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Because I'm an incurable cynic, a thought occurred to me today whilst listening to the radio, when a breakdown ad stated cars under 10 years old. Obviously this is due to the risk of them actually having to attend older, more worn or possibly badly maintained cars. However, MOT exemption claims that classic vehicles are better maintained. Ignoring the banger status ( hey, it's my thread so my rules!) I spy a discrepancy. Any thoughts?
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Rich
Club Retro Rides Member
Posts: 6,233
Club RR Member Number: 160
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MOT Exempt Vs breakdownRich
@foxmcintyre
Club Retro Rides Member 160
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As far as I know the big recovery agents have no age limit on policy. My RAC Cover has come out to my old chod before. The exception is Green Flag who indeed will not attend anything over 10 years. I believe this is just due to their cost ceiling, GF are cheaper than most and I imagine to do this they ‘turn away’ anything seen as older and unreliable, falling into your banger category, to avoid eating into their profit going out to everyone with a Nissan Almera with no oil in it or Corsa C with a flat tyre. I think really all it says is check your breakdown cover before you purchase to make sure you are actually covered.
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I had the RAC out to my Beetle a couple of months ago. The chap was quite pleased to be doing something different, and even more pleased that I'd got the parts to fix it with me. I wasn't being lazy, I just wasn't going to fault find on the side of a dual carriageway with a 3 year old in the car!
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1968 Cal Look Beetle - 2007cc motor - 14.45@93mph in full street trim 1970-ish Karmann Beetle cabriolet - project soon to be re-started. 1986 Scirocco - big plans, one day!
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I didn't realise that about Green Flag. worth knowing as I have a 9 year old car. I won't be renewing my subs with them.
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ovimor
North East
...It'll be ME!
Posts: 808
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I didn't realise that about Green Flag. worth knowing as I have a 9 year old car. I won't be renewing my subs with them. Are we saying that my 'J' reg Toyota Carina II, three years with GF is categorically "NOT ON, M8!"... Small print?? They take my money and the reg is on my renewal... :/ ### Ahh! No Limit on age of vehicle in UK, however Personal Cover (you in any car you drive/not your own) limit is 15yr old Phewww OVIMOR
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Last Edit: Jul 24, 2019 10:06:44 GMT by ovimor
Knowledge is to know a Tomato is a 'fruit' - Wisdom, on the other hand, is knowing not to put it in a 'fruit salad'!
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Jul 24, 2019 10:01:17 GMT
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Interesting about Green Flag, when I used to have breakdown cover as part of my Norton Insurance classic policy, it was "Green Flag Heritage Rescue". I had the RAC out to mine, and I was worried about the stories about how they'd be wondering where to plug the laptop. Couldn't have been more different, chap has a Mk1 Cavalier convertible and a classic Mini at home, and was very helpful indeed. Like neilsdavies earlier, I had some parts with me (though it turned out not the right ones), but I was in a very difficult spot and didn't fancy being under the bonnet when something came around the corner and didn't notice me.
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Last Edit: Jul 24, 2019 10:02:34 GMT by droopsnoot
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PHUQ
Part of things
Posts: 859
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Jul 24, 2019 11:24:10 GMT
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Several have an age limit on personal cover (I think the AA did last time I looked, I've been with the RAC for years and check the paperwork every year in case they've snuck it in) but will price car cover according to the vehicle generally- I imagine Green Flag will cover an older car but the particular offer being advertised won't apply and they might not be so competitive.
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vanpeebles
Part of things
I am eastbound in pursuit of a white Lamborghini, this is not a recording.
Posts: 978
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Jul 24, 2019 11:29:42 GMT
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I have AA with the MGB, the only problem I ran into was some places wouldn't insure an old car (they said it had to be classic).
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Jul 24, 2019 11:42:44 GMT
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I don't believe that the AA has any age limit. I've been with them for a long time and do read the terms and conditions when they are changed.
About a year and a half ago I used them for my Carlton, which at the time was 27 years old.
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scmick
Posted a lot
Posts: 1,491
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Jul 24, 2019 12:49:57 GMT
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A few weeks ago my brother had his '76 MATRA-SIMCA Bagheera cut out completely on a busy slip road. He called the AA who were there very quickly as he was stranded in a pretty dangerous place. The AA guy who turned up already knew what the car was and, after getting the car to a safer spot, said he was an old car enthusiast and really enjoyed working on it and similar stuff (despite the Bagheera's near zero engine accessibility). After trying various other bits, he spent ages rebuilding the distributor with bits from one Kev carried as spares and got it running spot on. Superb service and he asked Kev & Lesley if he could take a photo of the Bagheera when he'd finished.
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Jul 24, 2019 13:22:51 GMT
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aa cover the member not the vehicle , so even if you are a passenger you are covered. got free associate cover for our lad (14) which includes £1k of key cover. its a no brainer these days as if a modern goes up the swanny the chances of a quick diy roadside fix are pretty much zilch. my grandfather bought my initial aa membership for my 17th birthday and i have renewed every year since purely for peace of mind....and its the only gold card ill ever get my hands on!!!
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'80 s1 924 turbo..hibernating '80 golf gli cabriolet...doing impression of a skip '97 pug 106 commuter...continuing cheapness making me smile!
firm believer in the k.i.s.s and f.i.s.h principles.
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Jul 24, 2019 14:59:10 GMT
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Just remembered one tow back with RAC! I'd just put the big motor in the Beetle and taken it to Shakespeare County Raceway for what turned out to be their final event. Had a couple of runs on the Sunday and then set off home, but it was losing power and sounding like it was not running on all four cylinders. I limped it in to Hopwood Park services and popped the rocker cover off to find all four lash caps sat in the bottom of the cover, all four valve clearances open wide and couple of push rods hanging out. Slackened off the rocker shaft and found one of the studs had snapped off completely so I took all the bits, put them in a box and called the RAC. I explained what had happened but they said they had to send a patrol before a low loader, and apologised for wasting my time but it was protocol, as the low loaders are sub contracted. Patrol gets there, asks to see the problem so I showed him the box of bits and said that unless he could remove a broken stud in situ I'd need a tow... nice chap, we had a laugh about it and he called for the truck that ended up taking me home.
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1968 Cal Look Beetle - 2007cc motor - 14.45@93mph in full street trim 1970-ish Karmann Beetle cabriolet - project soon to be re-started. 1986 Scirocco - big plans, one day!
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Jul 24, 2019 17:20:30 GMT
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The AA also wont send out a recovery vehicle until a patrol has checked it first.
In February my VXR8 engine failed, turned out a valve spring had snapped an fallen in resulting in major mechanical noise and stopping of the engine. I explained on the phone that it was definitely impossible to repair the car, and there was no way I would let them attempt to restart it as it may cause more damage, they still sent the patrol to inspect it first.
I was quite irritated by this, but then he explained that they regularly get people calling with a failed engine and needing recovery that turns out to be no fuel or something similar.
I guess its cheaper to send out their own patrol to filter out the repairable jobs than to believe the member and send out a recovery vehicle, which are usually subcontracted.
To be fair, I couldnt complain about the service. I've also been a member for a long time and have gold membership, my daughter is covered in any vehicle for free and gets her own card too and there are various other benefits.
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Last Edit: Jul 24, 2019 17:23:09 GMT by chris y
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Jul 24, 2019 17:27:01 GMT
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but then he explained that they regularly get people calling with a failed engine and needing recovery that turns out to be no fuel or something similar. Yes, I could quite imagine that a large proportion of people who call in and claim to have "checked everything" actually haven't. It's frustrating if you're waiting on the side of the road for hours, but it's understandable from their point of view. I initially picked the RAC because, at the time, they covered the person in any car, and the AA only covered the car. Sounds as if the AA have changed that stance now, so when I get to renewal time I might have a look around again. I was recently told a tale by someone, and it'd be interesting to hear if anyone else had a similar experience. This is a third-hand tale - the chap who told me about it wasn't who it had happened to, so there may be some rounding errors. I also don't know which breakdown service it is, but one of the major ones. Chap goes to Germany, in his rather unusual Vauxhall Vectra, towing an Austin 7 on a trailer. Vectra has a problem en route, which I think was traced to the clutch slave cylinder - regardless, it can't be fixed in Germany for some reason. Chap calls his breakdown service, explains the situation, they then have a think about what they're going to do. After some messing around, this turns out to be: we're going to write the car off in Germany, because the value of the car is less than the cost of trailering it back to the UK, along with the Austin. Chap gets upset (as you would), drives home in the Austin 7, drives back to Germany in another car, and tows it back himself. Presuming no exaggeration, it's a sobering tale and would make me do some double-checking before presuming I could go abroad and my car would be recovered if anything went wrong.
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Last Edit: Jul 24, 2019 17:31:22 GMT by droopsnoot
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Jul 24, 2019 19:49:15 GMT
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I initially picked the RAC because, at the time, they covered the person in any car, and the AA only covered the car. Sounds as if the AA have changed that stance now, so when I get to renewal time I might have a look around again. I was recently told a tale by someone, and it'd be interesting to hear if anyone else had a similar experience. This is a third-hand tale - the chap who told me about it wasn't who it had happened to, so there may be some rounding errors. I also don't know which breakdown service it is, but one of the major ones. Chap goes to Germany, in his rather unusual Vauxhall Vectra, towing an Austin 7 on a trailer. Vectra has a problem en route, which I think was traced to the clutch slave cylinder - regardless, it can't be fixed in Germany for some reason. Chap calls his breakdown service, explains the situation, they then have a think about what they're going to do. After some messing around, this turns out to be: we're going to write the car off in Germany, because the value of the car is less than the cost of trailering it back to the UK, along with the Austin. Chap gets upset (as you would), drives home in the Austin 7, drives back to Germany in another car, and tows it back himself. Presuming no exaggeration, it's a sobering tale and would make me do some double-checking before presuming I could go abroad and my car would be recovered if anything went wrong. The AA definitely covers the person, whether driving or passenger in any car or bike whether owned by the member or not. Its good cover I think. I have never tried the European recovery but I would read the smallprint first and to be honest fully expect some limits as for the price they cant really offer to recover anything at all from any country at any time. Maybe there will be time limits, or whether towed stuff is covered, or other limits, definitely worth checking the smallprint no matter who you use for cover.
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Jul 24, 2019 20:16:50 GMT
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call the AA... you will end up speaking to real ordinary helpful people...not someone on the sub continent with barely even a minor grasp of the basics of the english language!
cant fault the aa. ive only ever called them out twice but on both occasions managed to fix the issue myself or with a passer by. swmbo as associate member has also called twice (for an otherwise reliable focus) and was recovred swiftly without issue on both occasions. not a bad call out rate in 34 years!!
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'80 s1 924 turbo..hibernating '80 golf gli cabriolet...doing impression of a skip '97 pug 106 commuter...continuing cheapness making me smile!
firm believer in the k.i.s.s and f.i.s.h principles.
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Jul 24, 2019 21:39:25 GMT
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Here in New Zealand AA covers the member in any vehicle. I've been a member since I got my licence in 1983. Many years ago I called them out to my employer's L300 van that had died in traffic and they towed it for me without question. Turned out it had snapped the cam belt and bent all the valves. Only had about 33,000 km on it at the time. Told the boss what I'd done and he was concerned that he'd have to pay for the tow because he wasn't a member but as I told him that didn't matter because I was and they'd towed it for me not him.
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Because I'm an ex civilian worker for the MET, I'm a member of the CSMA, which gives me cheaper breakdown with Brittania rescue, they've always been great when I needed them, even with my Six wheel rrc, and will send me a recovery truck immediately on my say-so, like most of us on here I pride myself on ability to fix at the side of the road.
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It would be interesting to see if recovery will recover an mot exempt car.
A mate took his mk5 golf to worthersee one year only for it to suffer engine failure in Germany somewhere. It wasn't until he phoned his breakdown service that he realised his mot had just run out, while rushing to get him and his car ready for the show he'd totally forgot it was due. They refused to recover his car because it wasn't mot'd so he had to pay someone to drive out to Germany in a recovery truck and bring it back.
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jamesd1972
Club Retro Rides Member
Posts: 2,833
Club RR Member Number: 40
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MOT Exempt Vs breakdownjamesd1972
@jamesd1972
Club Retro Rides Member 40
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I think the general rule is they will come out but you find yourself on the naughty step with renewal etc. expensive or blocked if you call them out too many times a year.
I did once get the RAC to send a recovery truck without a patrol first after patiently explaining to to call centre lady, her manager and then a senior controller that I did definately need recovery as there had been a bang, the back wheels had locked until I put the clutch in and there was bits of engine and a lot of oil for the 200m it took me to stop and I could now see the remains of a piston poking through the side of a hole in the block. Wasn't a happy day ! (For me, the mini who I had just overtaken and got showered with bits of engine and the recovery truck driver who had several liters of finest 10W 40 on his bed).
James
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