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Beware your breakdown cover going up


Car owners who buy annual breakdown cover are going to be warned to test their renewal notices closely after Direct Line more than doubled one Leeds woman’s annual premium without explanation.

Sue Sharp*, who also buys her home and auto insurance from Direct Line, contacted Guardian Money now need to if other readers had were unsatisfied with “ridiculous” price rises.

The company, who has gained a brand if you are among insurers that push through big premium increases in second and third years, quoted her 139 to resume her recovery plus breakdown cover. When she dug out her paperwork she was surprised to find out that this previous year she’d paid just 66 for a similar cover.

Her case delivers a welcome reminder for all motorists to not ever blindly renew their breakdown policies without checking the price quoted is competitive. Direct Lines are hardly ever the one provider use a discounted rate inside the first year, in order to hike prices later; for decades the AA a reputation for doing similar C much to your annoyance of the people customers who noticed.

“Last year I paid 66 for a similar cover, so that’s a rise of more than 100%, that is ridiculous,” Sharp said. “I phoned these phones endeavor to obtain it reduced. They simply accessible to reduce it to 118. And so i tried Green Flag, which quoted me 74.46 for cover. I’m wondering if other readers have experienced similar experiences?”

Direct Line’s breakdown cover comes by Green Flag, so Sharp is receiving exactly the same cover for slightly more than half the renewal quote. Direct Line told Money: “Our breakdown cover is rated by risk as an alternative to as being a set price. Ms Sharp received a deep discount now year’s renewal and our price this holiday season was calculated on last year’s original quoted price, with the additional increasing amount of insurance premium tax added along with ratings factors much like the increased age of her vehicle together with other claims data we use. Ms Sharp’s Green Flag quote taken advantage of a 40 percent start up company discount which it consistent with her previous renewal quote.”

So which are the options for people who find themselves in search of cover possessing the bank account? Generally the AA and RAC are likely to be undercut by smaller rivals, several of which offer pretty much as good a solution. The AA’s cover starts at 25 yearly for starters callout (subsequent callouts cost 99 each) and you get yourself a basic tow to your nearest garage of the company’s choice. Drivers who wish its most in-demand plan, including home start, will probably pay 125.

Switch to Green Flag and you will definitely pay 78 (if you pick via its website) due to the equivalent policy C again including home start and national recovery. This plan covers the vehicle rather than driver.

Last year I paid 66 for the same cover, so that’s a rise greater than 100%, that is ridiculous

The well-regarded GEM Motoring Assist offers similar insurance for 85 annually personally person or 110 for a couple of people. This is often reduced to 66 and 81 per annum respectively when you are thrilled to pay for any claims and after that reclaim the price tag.

Perhaps an improved reclaim option is AutoAid, which offers a breakdown service for 42.35 for a few. Should you wear out in paying the recovery vehicle driver their costs after which contact AutoAid to reclaim the income. This indicates to rate as highly as the other recovery firms in customer comments.

Remember, some firms insure the driving force for virtually every car, while other people only cover a selected vehicle, which can affect your decision. Some bank customers receive free breakdown cover with regards to their paid-for accounts, though it may be worth browsing the small print to ensure you get home start or nationwide recovery if need be.

Lastly, if you’re planning a holiday in Europe most commonly it is cheaper to shop for once a year European policy than a UK-only one that has a European reload.

* Not her real name

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