Racq it pays to loyal

Mark · Senior Member

Racq it pays to loyal

herbie · Guru

Mark, don't know if this bit of info will help you work out insurance and roadside assist, this is the way we have gone after a really bad experience regarding a certain insurance company a few years back.

One of my sons works in Corporate Insurance ( touchy subject between him and me )

You only get what you pay for, insurance is big business so they are in the game of protecting that business full stop.!! But in saying that we have to have some protection regarding our assets.

So each persons needs are based individualy,so the type of insurance cover has to suit your own needs.

We are with CIL have had no problems and the cover suits our personal needs.

CIL is part of VERO who are owned by Suncorp,who also owns Apia.

The other insurance name that gets thrown around is Ken Tame who worked or still is working for a company owned by Lumley Gerneral Insurance now owned by Westfarmers.

They are a niche insurer who do a lot of deals with various organizations including CMCA.

So to insure with this company you have to join CMCA $40 per year I think.

(I am not into joining clubs too many rules and regs for my liking )You know me mate i'm the free spirit say it how it is kind of thing.

CIL is agreed value and remember Ken Tame is market value,but what appears value for money now,may not be value for money if you have a total loss,with Ken Tame you can get a valuation done by a proper valuer and have it covered for that value.

But you have to have this valuation done every two years ( and like us that could be very difficult depending on where we are )So what you may be saving might be eaten up by getting this valuation every two years.

When I looked into this last year it was over $100 and had to tow the van to the place.

We pay a little extra to have our contents and annex covered for $10.000,as the annex alone to replace now is well over $4.000.

We are covered also for brake downs and towing and all the bells and whistles with RAC.

But also remember your post code plays a big part in what your premium will depend on regarding any insurance company.

Hope this bit of info may be of some help working through the mine field of Insurance.

Regards Herbie.

-- Edited by herbie on Tuesday 10th of September 2013 11:39:38 PM

brickies · Guru

I just got a nice package and letter from the Racq thanking me for being a loyal member for 50 years and now all my membership fee are half price even the extra package , Plus big discount off insurance for home ,car and caravan how good is that

KFT · Guru

Good work, you deserve it.

I wonder if NRMA do that too? although I have a few years before I qualify. I'm only a gold member yet

frank

Mark · Senior Member

brickies wrote:
I just got a nice package and letter from the Racq thanking me for being a loyal member for 50 years and now all my membership fee are half price even the extra package , Plus big discount off insurance for home ,car and caravan how good is that

Hi Brickies

I'm looking at RAC cover (warranty expires next year and I want some protection whilst on the road) I'm looking at some form of top cover that will see us looked after in the event of a breakdown (possibly remote) car hire / hotels / that kind of thing. Is this the type of policy you have?? If so what is it called, i did look on the i/net but really couldn't pin it down, or is it because the RAC is separated into states and WA cover isn't that good?? Any help would be appreciated.

Cheers

Mark

JRH · Guru

Mark wrote:
brickies wrote:
I just got a nice package and letter from the Racq thanking me for being a loyal member for 50 years and now all my membership fee are half price even the extra package , Plus big discount off insurance for home ,car and caravan how good is that
Hi Brickies
I'm looking at RAC cover (warranty expires next year and I want some protection whilst on the road) I'm looking at some form of top cover that will see us looked after in the event of a breakdown (possibly remote) car hire / hotels / that kind of thing. Is this the type of policy you have?? If so what is it called, i did look on the i/net but really couldn't pin it down, or is it because the RAC is separated into states and WA cover isn't that good?? Any help would be appreciated.
Cheers
Mark

Mark try the RAC Classic it covers you for car hire and hotel/motel fees also.

John

Mark · Senior Member

Thanks John, I'll have a Bo-peep, cheers.

brickies · Guru

Mark I have RACQ Ultra Care normal fee $179 per year but with my new discount $89.50 per year . This cover give us great back up if we get into trouble which we hope we never need to use , But it nice to know they are only a phone call away

brickies · Guru

Mark a friend of mine had a problem with his Prado when towing his caravan and the contractor who came out to him put the Prado on the tilt tray and towed the caravan with the tilt tray the caravan was longer than Racq allow but to the contractor a tow a tow , but that would be the luck of the draw you could be knock back to .

the rocket · Guru

Hi Brickies, Always nice to get a bonus. At 50 years to get it I guess that they don't have to shell it out too often. anyway, good for you.

leevin · Senior Member

RACQ Ultra Care.
If you insure your caravan with RACQ, size does matter! They will not recover a caravan over a certain length (19 ft I think we were told).
So we insured the caravan with CIL as they will arrange recovery of your caravan regardless of length.

spida · Guru

Today's experience!!!! Idler bearing broke 20km south of Mullewa - maybe something to do the new drive belt instlled last week? RAC sent tow truck - ute on back and van in tow back to Geraldton. Am classic memeber and will find out tomorrow what that entitiles me too - too late and too tired tonight!

justcruisin01 · Guru

Mark wrote:

Hi Brickies
I'm looking at RAC cover (warranty expires next year and I want some protection whilst on the road) I'm looking at some form of top cover that will see us looked after in the event of a breakdown (possibly remote) car hire / hotels / that kind of thing. Is this the type of policy you have?? If so what is it called, i did look on the i/net but really couldn't pin it down, or is it because the RAC is separated into states and WA cover isn't that good?? Any help would be appreciated.
Cheers
Mark

Mark, NRMA full road cover for vehicle also covers the towed unit in recovery, plus your accomodation & car hire as detailed.

As for size, a friends F250 had a crankshaft sensor fail, they loaded the 250 on to the tilt tray & his 23 ft bushtraker on the tow hitch & took them all home, a couple of hrs drive. We have used them a couple of time with our membership, couldn't ask for better help.

JC

Mark · Senior Member

leevin wrote:
RACQ Ultra Care.
If you insure your caravan with RACQ, size does matter! They will not recover a caravan over a certain length (19 ft I think we were told).
So we insured the caravan with CIL as they will arrange recovery of your caravan regardless of length.

Hi Leevin

Very interesting!!

Caravan is insured with CIL, so is this something that is agreed over and above the insurance as I cannot see any mention in my paperwork.

Any advice before I go investigating further?

Cheers

Mark

Mark · Senior Member

justcruisin01 wrote:
Mark wrote:

Mark, NRMA full road cover for vehicle also covers the towed unit in recovery, plus your accomodation & car hire as detailed.
As for size, a friends F250 had a crankshaft sensor fail, they loaded the 250 on to the tilt tray & his 23 ft bushtraker on the tow hitch & took them all home, a couple of hrs drive. We have used them a couple of time with our membership, couldn't ask for better help.
JC

Thanks for that JC, much appreciated.

Cheers

Mark

hako · Guru

Mark - if you look at the top cover from RAC($279) and RACQ ($253) you'll see the entitlements are more or less the same, and I'd guess all states are the same. It's irrelevant anyway as you must join the provider in your state if you want roadside assistance. Re the overweight van, I'd guess they'd negotiate with you if/when it happened.
There are other mobs that provide "breakdown assistance" but they don't cover outback.
The breakdown assistance we got with Volkswagen New Beetles was the absolute basic type restricted to built-up areas only....maybe that has changed.

Mark · Senior Member

Hako & Herbie, (or Vici Verci) well it rhymes!! biggrin biggrin

Anyway, thanks for the info.

Been doing a lot of research this arvo, (aside from defending C/p owners ) and I have to say that it looks far more cost effective to stay with my present insurers for tug and van and take the RAC Ultimate Package.

Got a few months to ponder and peruse, thanks for the details.

Thanks for your time and effort.

Mark

brickies · Guru

Insurance would only pay for recovery of caravan if it was involved in an insurance claim not if brake down of your tug

ParamountCruiser · Senior Member

The size of the van will only become a problem with RACQ etc if it isn't in a towable condition.

The size restriction is in relation to the size van that will fit on most normal tilt tray trucks that the contractors use.

herbie · Guru

You can pay extra if your over size of normal tilt try .

Mark · Senior Member

ParamountCruiser wrote:
The size of the van will only become a problem with RACQ etc if it isn't in a towable condition.

The size restriction is in relation to the size van that will fit on most normal tilt tray trucks that the contractors use.

Thanks for that extra bit of info PC, it's beginning to look like an RAC purchase.

Thanks to all for your input and guidance

Cheers

herbie · Guru

I also heard that some insurance policies are a bit iffy regarding paying out if theft from inside a pop top or camper trailer happens .

herbie · Guru

Mark I have sent you a PM regarding getting a better price re renewing your same insurance other than what your renewal states.

Regards Herbie.

PeterInSa · Guru

I understand that the NRMA have length/size limits if you are an interstater with a big van with say RAA (SA)cover. I was told that RAC WA had better breakdown cover for large vans than SA's RAA, but do not know if this is true.

I know that Ken Tame thru the CMCA provide $1000 a year for breakdown cost as part of their Tug/Van insurance and that the RAA Road service will /have for myself helped to some extent with larger vehicle breakdown costs. The problem I have found comparing RAA and KT insurance is the RAA gives tremendous insurance discounts, from memory up to 45% for the Tug and you do not have to have a 2 year valuation to get their agreed value insurance.

But if your likey to have breakdowns with a big rig, KT is right behind you with great service.

Peter

Oma · Guru

Bruce got his 50 years membership thing a few years ago & yes the discounts were good. However they lost our house & contents this year before we left home. As we are renting our home out for 12 mths we therefore wanted landlord insurance as well as storage facility insurance- NOT INTERESTED. We would never stop the ins for vehicle & van as have found them to be good- We are in the highest cover.

Our van is over 19' & no problem.

-- Edited by Oma on Thursday 12th of September 2013 02:13:32 PM

spida · Guru

RAC insurance covers - EITHER tow truck OR accommodation/hirecar to value of your package. I have ultimate so up to $3000 per year. Was rather surprised when I rang after being towed as to what else - My 120km tow basically was all available but had I broken down in town the car/accommodation would have been the option! Not everything ticked under the package!!!!

rockylizard · Guru

herbie wrote:
You can pay extra if your over size of normal tilt try .

Gday...

I am with RACV Total Care (top shelf) ... they have a limit on the size of van to 'recover' - think about 19ft from memory. (it's pouring rain here at the moment and I don't wanna get outta the van and get my policy from the car )

This has been pursued with them by myself, others on this form and another forum I am involved with.

The response from RACV was the limit was in place because of the usual limitation and size of available tilt-tray tow trucks away from 'major areas'.

Of course, experience has shown that the tow truck mob when they turn up may have a 'solution' and they don't mind as they get reimbursed by insurer - a tow is a tow.

Given the machinations of insurance underwriters be prepared you may not be covered if someone decides to stick completely to the 'intent of the policy'.

Cheers - John

herbie · Guru

My brake down cover is with RAC WA,as both vehicle and van are registered for that state.

I pay $275 per year for what they call unlimited plus.

Only reason I stick with this cover is because I know quite a few people who would have been in very tricky situations on some of the isolated roads/ tracks heading into some of the mine sites through out back Australia with out this particular cover. Do not know about the cover RAC gives regarding if you are a member registered from other states.

aussietraveller · Guru

In NSW the NRMA also offer half price membership after 50 years of membership but no package of goodies just a letter saying thanks for your loyalty.

JayDee · Guru

Yes!! We never leave home without our RACQ Ultimate cover. Wouldn't be without it.

On our trip to Melbourne where we are currently, we had the need to contact RACQ on two occasions due to tow unit problems. Excellent service and follow up from RACQ and NRMA. Hire car organised for us, and accom for a number of nights covered under the Ultimate policy.

Alos had a battery problem and NRMA test said replace the battery and that was just 18 months old. But because it was an RACQ battery, Bingo,,,, a new battery installed. Got my annual fees and then some back just on the battery alone.

My view is that any Grey Nomad who is not a member with the top policy with the likes of RACQ etc etc, would have to be a fool of the first order.

The policy and the offer is well worth the annual fees.

Jay&Dee