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Thread: Garage cover/change of vehicle

  1. #1
    Join Date
    Aug 2014
    Posts
    3

    Default Garage cover/change of vehicle

    Hi I took my full RAC Breakdown out with a very helpful guy at my local Tesco's. He informed me about the new garage cover that The Rac was doing in competition with the AA one that I had. I informed him that I was due to renew my existing AA one, but was also due to change my car in a few weeks. He said that would be just a simple change of vehicle for the Garage Cover. So I took out the policy later over the phone.
    A week or two later I tried to change one of my vehicles on my policy to my new car and was told that it wasn't possible to change cars on the policy mid term and that I had to wait a year, before I could change to my new car. Needless to say I was pretty peeved off and told the customer services guy that he didn't know what he was talking about. He wouldn't let me speak to his manager, but insisted that he himself had conferred with the said manager and he was right. I was stuck with my old car on the Garage cover for nearly a FULL year. But I escalated the call to complaints and someone would ring me back within the week. (No One Did) so I rang back two weeks later and explained all again. I was told that I could change my car over on the cover and they would backdate the two week waiting period to when I first rang. Sorted. This was in June.
    NOooooo not so easy. My drivers window fell down with broken mechanism and the RAC rep came out and stuck it back up with Masking Tape. It has been like that, (unsecured since) as the RAC now tell me that although the customer services department had changed the car details on their system. The guys in the warranty department downstairs in the same building hadn't. SO therefore my new car was not covered for Garage Repair. I am STILL waiting for someone that knows their bums from their thumbs to ring me back from the RAC.
    Can any body shine a light on this strange product the RAC offer, but no one knows about, but the sales reps??

  2. #2
    Join Date
    Aug 2011
    Posts
    3,574

    Default

    Come back British Leyland, all is forgiven.

    I never had any trouble with my Austin Maestro.

  3. #3
    Join Date
    Sep 2007
    Location
    Scotland
    Posts
    9,170

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    It looks like the person who signed you up the RAC was just telling you everything you wanted to hear, to get you to move over from the AA.Did you have better cover before you changed over?

  4. #4
    Join Date
    Aug 2014
    Posts
    3

    Default

    Yes the AA would change the car over mid-term but you obviously had the usual two week wait before claiming criteria. The guys at the RAC are totally clueless!

  5. #5
    Join Date
    Apr 2012
    Posts
    3,579

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    What is "Garage cover"? The service from the RAC is getting worse. It should be a simple matter to change vehicles, whatever cover you have. My membership was always for me rather than the car though.

  6. #6
    Join Date
    Aug 2014
    Posts
    3

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    Yes the Breakdown cover is on whatever I drive. But you can take out an optional cover on a named vehicle you own to cover it for up to 750 in garage parts and labour costs after a breakdown, as long as the RAC take your car to one of their registered garages. But it's a con, because unlike the AA version, if the part required isn't in their list of parts covered then it's NOT covered. Whereas the AA will cover all broken non wearable parts, but only upto 500.

  7. #7
    Join Date
    Apr 2012
    Posts
    3,579

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    So it is just insurance.

    It's my opinion that a lot of insurance is basically a waste of money. When I got married, I was a member of BUPA as it was very cheap through my then employer. When I lost the discount I stopped it, but opened a reserve savings account which was intended to cover unexpected expenses. This was a TESSA and later an ISA and it is still there. Over the years it paid for dental work, minor surgery, car repairs for both cars, and various other financial bumps. Essentially it is a form of self-insurance similar to that which big companies have for their vehicle fleets. If my car needed a repair - it is me who decides whether it's covered, not some faceless entity.

    The only insurance I have is: car (obviously - and comprehensive with legal cover) house (building and contents). I also have AA cover, travel and some other insurance through my bank account.

  8. #8
    Join Date
    Sep 2007
    Location
    Scotland
    Posts
    9,170

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    Quote....... " Whereas the AA will cover all broken non wearable parts, but only upto 500."t............I wonder what Green Flag offer, as they seem to offer the cheapest breakdown cover.

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