Red Penant breakdown cover - its a joke

Tammygirl replied on 01/04/2016 16:50

Posted on 01/04/2016 16:50

Just been in touch with Red Penant for our breakdown cover for our forthcoming trip.

We are a motorhome and tow a trailer with a scooter on board. The M/H is covered but the trailer is only covered if its towable. Frown So if we are involved in an accident (sideswipe or rearend) and the trailer is damaged Red Penant won't recover it, they will recover the M/H but not the trailer. However if the M/H breaks down they will recover the complete unit.

When I questioned how this compared to a car and CaravanI I was told, yes the caravan would be recovered even if it wasn't towable. I aked why that was the case and was told "we are the caravan club" the caravan is the holiday accomadation,  your M/H is your accomadation. The trailer is an add on. Is it me or does anyone else find this odd and unfair.

We do have seperate breakdown cover for the scooter, for when its not on the trailer but it won't cover the trailer.

So we are in a bit of a fix how do we ensure that the trailer is covered?

JVB66 replied on 01/04/2016 17:27

Posted on 01/04/2016 17:27

Get a box trailer and put windows in it to make it look like a caravanWink

 

seriously that does seem a bit strangeUndecided

Oneputt replied on 01/04/2016 17:31

Posted on 01/04/2016 17:31

in a way I can understand the logic, but do they make it clear when applying or paying for the cover or is it hidden in the small print

Tammygirl replied on 01/04/2016 17:35

Posted on 01/04/2016 17:35

in a way I can understand the logic, but do they make it clear when applying or paying for the cover or is it hidden in the small print

Not hidden but not in small print either, only found out because I asked. We've always took out RP and been very happy up until now. We had RP on 2 trips last year with the same combination and was under the impression that we were covered.

I'm ringing around trying to get quotes from other companies but at 17.30 on a Friday afternoon I might have to give up until Monday.

DianneT replied on 01/04/2016 17:37

Posted on 01/04/2016 17:37

If you had an accident with the trailer surely your MH Insurers would do the recover not the Breakdown organisation.

DianneT

Tammygirl replied on 01/04/2016 17:39

Posted on 01/04/2016 17:39

The problem from where I'm at is, everything else is covered. however if we were hit by someone as they pulled out onto the road from a slip road, they only see the M/H not the trailer. If they were to hit us and damage the trailer so that it couldn't be towed, what are we supposed to do. We can't leave it at the side of the road,  we can't move it. So it will need to be recovered, hence the breakdown cover.

Tammygirl replied on 01/04/2016 17:42

Posted on 01/04/2016 17:42

If you had an accident with the trailer surely your MH Insurers would do the recover not the Breakdown organisation.

DianneT

We need to check on that Diane, I thought so but OH isn't so sure. I know from our caravan days it would cover the caravan while towing, but then again RP covers the caravan but not a trailer.Yell

eurortraveller replied on 01/04/2016 17:43

Posted on 01/04/2016 17:43

As Dianne said...it's an accident, not a breakdown.  Phone your accident insurers + the police if you are blocking the highway. 

Tammygirl replied on 01/04/2016 17:52

Posted on 01/04/2016 17:52

As Dianne said...it's an accident, not a breakdown.  Phone your accident insurers + the police if you are blocking the highway. 

Thanks ET, going to check that with insurers tomorrow as they are shut for the night now.

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