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Insurance / no claims - towing a camper van

  • 12-11-2018 8:47pm
    #1
    6541
    Registered Users, Registered Users 2 Posts: 1,970 ✭✭✭


    I have an issue, my camper has broken down, I am insured through AXA - Dolmen, Does anyone know does invoking breakdown assist affect my no claims discount ?


Comments

  • #2
    punisher5112
    Registered Users, Registered Users 2 Posts: 24,644 ✭✭✭✭punisher5112


    6541 wrote: »
    I have an issue, my camper has broken down, I am insured through AXA - Dolmen, Does anyone know does invoking breakdown assist affect my no claims discount ?

    If it has breakdown then it does not affect your no claims.

    Breakdown is their as a sweetner to the payment for policy.


  • #3
    6541
    Registered Users, Registered Users 2 Posts: 1,970 ✭✭✭6541


    punisher5112 wrote: »
    If it has breakdown then it does not affect your no claims.

    Breakdown is their as a sweetner to the payment for policy.

    Thanks so much.


  • #4
    6541
    Registered Users, Registered Users 2 Posts: 1,970 ✭✭✭6541


    Out of interest what how does this work - insurance firms must be loosing millions on this, what is the back story here ?


  • #5
    autumnalcore
    Registered Users, Registered Users 2 Posts: 851 ✭✭✭autumnalcore


    6541 wrote: »
    Out of interest what how does this work - insurance firms must be loosing millions on this, what is the back story here ?

    Typically only covers towing you to the nearest garage, how often do you actually use it. Ive had breakdown cover on 2 vehicles for 6 years and camper and 2 vehicles for the next 12 years and used it twice. Based on estimated retail cost of €180 for one recovery and €120 for the other the average cost over time to the insurers was €6.25 per year and they probably pay significantly less than the retail cost and can probably write it off against tax.


  • #6
    Del2005
    Registered Users, Registered Users 2 Posts: 19,102 ✭✭✭✭Del2005


    punisher5112 wrote: »
    If it has breakdown then it does not affect your no claims.

    Breakdown is their as a sweetner to the payment for policy.

    You still need to inform the insurance companies when renewing that you made a claim for recovery, I've had a few windscreens replaced and they came up on the renewal letters, but as said they don't have any affect, it's just to make sure if you do need to make a bigger claim they don't have an easy get out clause.

    Breakdown cover is now a cost option on most policies, I checked for 3 different people this year and most companies had it as an extra, but still cheaper than the AA/RAC.


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  • #7
    clionaricho
    Registered Users, Registered Users 2 Posts: 100 ✭✭clionaricho


    They will tow you something like 50 miles. This does not affect your no claims
    Plenty of experience :confused::confused:


  • #8
    6541
    Registered Users, Registered Users 2 Posts: 1,970 ✭✭✭6541


    clionaricho wrote: »
    They will tow you something like 50 miles. This does not affect your no claims
    Plenty of experience :confused::confused:

    Lol !


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