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?

EmilysDad replied on 07/04/2016 14:15

Posted on 07/04/2016 14:15

MM/peegeenine, I have asked both those questions. 

A caravan is differant as its the 'sleeping accomodation' so they would recover the caravan seperate if it failed. I agreee that a caravan is a trailer but not in terms of breakdown it would appear. .....

What if you tow a caravan with a motorhome? Innocent Which 'sleeping accomodation' do you pick? Cool

Tammygirl replied on 07/04/2016 14:24

Posted on 07/04/2016 14:24

MM/peegeenine, I have asked both those questions. 

A caravan is differant as its the 'sleeping accomodation' so they would recover the caravan seperate if it failed. I agreee that a caravan is a trailer but not in terms of breakdown it would appear. .....

What if you tow a caravan with a motorhome? Innocent Which 'sleeping accomodation' do you pick? Cool

Trust you Laughing maybe you would like to ask the question of RPTongue Out at the moment I'm losing the will to liveLaughing

Tammygirl replied on 07/04/2016 15:56

Posted on 07/04/2016 15:56

I've just checked out the Mayday cover we have, guess what a trailer is covered Smile guess RP need to think again.

Caravan and Trailer Cover What’s covered:

Your caravan or trailer will have the same cover as the Insured Vehicle when being towed by the Insured Vehicle provided:

• The weight of the caravan or trailer when loaded is not more than the kerb weight of the Insured Vehicle.

• It is of standard make

EmilysDad replied on 07/04/2016 17:08

Posted on 07/04/2016 17:08

MM/peegeenine, I have asked both those questions. 

A caravan is differant as its the 'sleeping accomodation' so they would recover the caravan seperate if it failed. I agreee that a caravan is a trailer but not in terms of breakdown it would appear. .....

What if you tow a caravan with a motorhome? Innocent Which 'sleeping accomodation' do you pick? Cool

Trust you Laughing maybe you would like to ask the question of RPTongue Out at the moment I'm losing the will to liveLaughing

Laughing  Cool A bloke at work does just that sometimes. Laughing

Wherenext replied on 07/04/2016 17:09

Posted on 07/04/2016 17:09

Tammy, that's just in the UK as it's Mayday/Green Flag. Probably (without checking) 2 different insurers.

Edit: You probably know that anyway! Trying to post whilst cooking is not recommended!

Tammygirl replied on 07/04/2016 17:26

Posted on 07/04/2016 17:26

Tammy, that's just in the UK as it's Mayday/Green Flag. Probably (without checking) 2 different insurers.

Edit: You probably know that anyway! Trying to post whilst cooking is not recommended!

Laughing cooking what's that, oh is it that time of day againSmile where has the day gone.Innocent

WN the thing is we have Mayday for the UK and the trailer is covered, so one would assume as both are sold by CC the level of cover would be the same.Innocent When I told the agent yesterday that Mayday does cover the trailer she seemed surprised. I'm still waiting for the club to get back to me, time is moving on and I don't have much longer to get this sortedFrown still hoping that someone can fix it, we arn't the only M/H that tows.

eurortraveller replied on 07/04/2016 17:37

Posted on 07/04/2016 17:37

Thanks for all your hard work Tammy.

You are revealing the facts that Red Pennant covers things which many of us these days don't want (such as transport to pre- booked campsites ) and doesn't cover some things which many of us do want. 

Red Pennant could probably do with a complete re write, but I'm not holding my breath. 

Wherenext replied on 07/04/2016 19:46

Posted on 07/04/2016 19:46

I looked back at the PDF of the C&CC policy for breakdown that I downloaded when I went through this exercise about 3 weeks ago. It seems to cover the trailer as well as the M/H and also motorcycles over 125cc if additional premium paid. You don't have to be a member either to buy the cover.

Tammygirl replied on 07/04/2016 21:11

Posted on 07/04/2016 21:11

I looked back at the PDF of the C&CC policy for breakdown that I downloaded when I went through this exercise about 3 weeks ago. It seems to cover the trailer as well as the M/H and also motorcycles over 125cc if additional premium paid. You don't have to be a member either to buy the cover.

Thanks WN, I got a quote from them the other day, seems ok more expensive than RP, some of the cover is better some not as good, going to sit on it for another day I think, really want the Club to re-think and sort it out and get back to me. I've never used the C&CC for anything so not sure how good they are if there is a problem.

Tammygirl replied on 08/04/2016 11:41

Posted on 08/04/2016 11:41

Just to update, Green Flag Euro + will cover the trailer if it suffers machanical breakdown while being towed, if they can't fix it at the side of the road they will recover it to a garage for repairSmile The policy runs for a full 12 mths and for us costs £99.64, the agent checked to make sure and he has written it down on the documents he is sending out to us that this is a conditionSmile it covers all the elemants that we require of a breakdown policy.

We have extended out medical insurance from 31 - 65 days with our Bank for a cost of £60 full Euro cover for 12mths.

The CC have had ample time to resolve the issues we raised, they have not been back in touch with us, despite 3 threads running on CT where other members were asking for advice and help. 

We are both dissapointed with the Clubs lask of care and customer service in this area of business. They have now lost our business £235+ for the RP (usually £350 + as we usually go twice) and when our Mayday is due they will lose that aswell, as we will go direct to Green Flag.

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