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UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Stoots on March 10, 2021, 06:14:37 pm

Title: Business breakdown cover
Post by: Stoots on March 10, 2021, 06:14:37 pm

Does anyone have business breakdown cover and can recommend where to get the cheapest policy? It needs to be a fully comprehensive policy.

My old van broke down this afternoon...now i thought i was covered, i pay about £15 per month to RAC on a personal driver policy where im covered in any vehicle...

Turns out because its a business vehicle i wasnt covered and so had to pay £140 for a tow home.  >:(

Something that had never crossed my mind before, just assumed i was covered in any vehicle, pretty much a waste of my money having that policy as it was totally useless when i needed it  :D

Title: Re: Business breakdown cover
Post by: Jamo on March 10, 2021, 07:16:52 pm

I got caught out the same way you did with RAC last year, so I joined AA  business think it’s about £90 a year

Title: Re: Business breakdown cover
Post by: Stoots on March 10, 2021, 07:23:52 pm

Quote from: Jamo on March 10, 2021, 07:16:52 pm

I got caught out the same way you did with RAC last year, so I joined AA  business think it’s about £90 a year

cheers will ring RAC tomorrow then have a look about.

Its only when you read the small print that you see it doesnt cover a business vehicle, they sell the policy on "you are covered in any vehicle" robbing gets.

Title: Re: Business breakdown cover
Post by: jo5hm4n on March 10, 2021, 08:46:46 pm

AA Business breakdown.  Look into fleet  aswell as you got 2 vans mate

Title: Re: Business breakdown cover
Post by: Simon Trapani on March 10, 2021, 08:49:57 pm

I had the same problem with the RAC. Just join the AA as they don’t have a problem with it being a business/commercial vehicle. Just make sure you haggle with them every renewal though as they’re crafty buggers.

Title: Re: Business breakdown cover
Post by: dazmond on March 11, 2021, 08:22:33 am

I just add breakdown cover to my commercial van insurance every year.it usually costs an extra £40-£60 per year.

I've also got AA breakdown on my car but they WILL NOT cover a commercial vehicle....

Title: Re: Business breakdown cover
Post by: matty72 on March 11, 2021, 08:30:08 am

basic aa cover is for vans as well they do it on vehicle not person, unless it has changed

Title: Re: Business breakdown cover
Post by: Simon Trapani on March 11, 2021, 08:36:48 am

The aa do both because i have both. One for me & my family & one on my employee’s vehicle. Phone them & speak to them.

Title: Re: Business breakdown cover
Post by: NBwcs on March 11, 2021, 11:00:08 am

I've always been with green flag, only pay about £40,it's not national cover but all my works within a 3 to 4 mile radius.  Called them out a couple of times and had no problem.

Title: Re: Business breakdown cover
Post by: carl stanton on March 11, 2021, 09:25:09 pm

You can do a comparison on a site like comparethemarket and it will specify  if it covers business.

Title: Re: Business breakdown cover
Post by: Stoots on March 11, 2021, 10:10:08 pm

Will cancel RAC and go with AA because im upset with RAC now  ;D

Title: Re: Business breakdown cover
Post by: Stoots on March 12, 2021, 02:48:53 pm

Well ive rang the AA and can confirm that they will cover a signwritten vehicle on a personal policy.

So ive switched.  Its £2 a month dearer though  :'(

Chap said its a common complaint with RAC