Archives for 2014

Direct Line Car Insurance Review

Direct Line is probably one of the largest companies that offer all types of car insurance in the UK. If you are in the market for car insurance and are one of those people that is addicted to price comparison websites, be sure to know that you will not find Direct Line on any of those sites. However, feel free to fill your boots and obtain quotes from these sorts of websites, Direct Line advertise the fact that they will beat any quote that you have found there! If you’re about to embark upon looking for car insurance you will no doubt be aware that this can be a potential pain in the proverbial. Car insurance can be very complicated and there are literally hundreds of different policies you can choose from. In this article, I intend to make clear what some of the car insurance policies Direct Line have to help you get started.

Some of the Extras Direct Line Car Insurance Offer

  • Compensation if you are hit by a driver that is uninsured and the accident is not your fault – Direct Line is one of the first car insurance companies to recognise that this is a growing problem within the UK. They offer, as part of your policy, a system whereby you are able to claim for being hit by an uninsured driver and you will not lose your no claims bonus. There are conditions however, these are: you should ensure that you get the registration number of the car that hit you and also the make and model, if possible the drivers details (don’t worry about this point), many uninsured drivers are happy to pass their details on after an accident as they think they will get away with it anyway.
  • Compensation for vandalism to your car – Again, this is an innovative extra that you can get from Direct Line, I actually don’t know of any other company that offers this service. If you are a victim of vandalism to your vehicle you can claim for the damage and, here is the best bit, this cover comes as standard and will not affect your no claims discount. Not only that, if you use one of Direct Line’s preferred repairers, they will make sure that your vehicle is cleaned from top to bottom, inside and out! Be aware however, that certain conditions do apply, you will need to make sure that you have reported the incident to the police and can prove it and that the damage was not caused by another car, this of course would be dealt with on a different part of your car insurance policy.

Direct Line have recognised that people want value for money as well as great car insurance policies so you will find that they offer a huge range of discounts on all types of car insurance policies. Here are some of them:

No Claims Discount for Company Cars

If you are a new customer to Direct Line and have recently given up a company car that you have not had to make a claim on, Direct Line will offer you a discount on up to 5 years of no claims discount, this is available on any type of car insurance policy that you take up with Direct Line. However, you will need to prove that you were the sole driver of the company car in question….not much to ask if you want my opinion, 5 years no claims discount can amount to an awful lot of money.

Discount on Multi-Car Policies

Many car insurance companies charge you extra for registering an additional car insurance policy with them, not Direct Line; they actually save you money if you take out a car insurance policy on more than one vehicle with them. You will receive a discount of 10% on the 1st year and 5% for each year that you renew thereafter. I doubt there is another company in the UK that can offer this. Conditions do apply but they don’t exactly ask for your shoe size! All you need to do is make sure that you can give the company the number of your current agreement, it’s that simple.

Other discounts available when it comes to multi-car insurance policies are breakdown cover; you can save up to an amazing 35% on breakdown cover with Direct Line when you have a multi-car policy. If you are new to the company you are not penalised for being a “newbie” you also can save up to 25% when including breakdown cover on your car insurance policy.

Pass Plus

This will interest all of you that have recently passed your driving test. Many people in their late teens or early to mid 20’s are considered to be a huge risk by most car insurance companies. The reason behind this is obvious, the statistics show that if you are in this bracket of driver that you are far more likely to have an accident than any other bracket of driver. We have to recognise that insurance companies need to make a profit in order to continually offer a service to their customers.

Direct Line have gone one better with this car insurance policy. Basically, if you have passed your test in less than one year you will be given a 5% discount on any car insurance policy you take out with them. Do bear in mind however, that you will be better off going for a fully comprehensive policy – this isn’t something that Direct Line advise it’s just that I was once in my late teens and driving was a new hobby to me…..believe me, I remember some of the scrapes I got into because I was just too over excited about being able to drive without an instructor constantly nagging at me!

Other Great Discounts to be had from Direct Line

Direct Line is very clever when it comes to ensuring that they gain as much business from each customer as possible. If you know Direct Line, you will be aware that they are not limited to offering insurance just for cars. If you happen to have an insurance policy with them which covers something other than your vehicle you can gain discounts on any new car insurance policies you take out with them. All you need to do is ensure that you can produce the policy you currently have with them and they will give you up to 10% on any new car insurance policy you take out.

Just so you know What Comprehensive Cover is from Direct Line

Listed below is what you will get with a comprehensive car insurance policy with Direct Line:

  • Protection from uninsured drivers if the accident is their fault.
  • Claims discounts for named drivers.
  • Protection if you should be the victim of vandalism that will not affect your no claims discount.

These are just a few of the extras that you get with a fully comprehensive car insurance policy with Direct Line.

A Quick Explanation on How Multi-Car Insurance Policies Work

Some of you may be unaware of how multi-car insurance policies work. The type of policy is fairly new to the market place and Direct Line have been pioneers in bringing this type of policy to it’s new and existing customers.

You may think that to have a multi-car insurance policy you will have to be related to the other people that are included. This is not the case; all you need to ensure is that you all live at the same address. I happen to think that this is a fantastic idea. For all of you students out there that are living on a shoe string but still need to make sure that your vehicle (if you’re lucky enough to have one) is properly insured can club together and make huge savings with the multi-car insurance policies that Direct Line offer.

In Conclusion

I happen to be a customer of Direct Line and I have to say that when it comes to customer service, they are second to none. The staff are knowledgeable about the car insurance policies they have on offer and you do not get the hard sell. After all, there isn’t any need for them to go chasing customers, thousands of people sign up with them every day.

If you are looking for a great car insurance company that have a huge range of policies that have been tailored to suit everyone, you will not go far wrong with Direct Line. It’s not all about discounts, although that does help, you need make sure that the insurance company is 100% behind you if you run into trouble. Direct Line will not hamper you with red tape and excuses on why they should not pay out. If your claim is genuine and fits all of the criteria within your policy, they will pay…simple!

Direct Line has been in business for a long while now and they are definitely here to stay.

Saga Over 50’s Term Life Insurance Review


When people think of retirement, they often have dreamy fantasies about playing golf all day, sipping on warm beverages at night and, leading a relaxing life of leisure. However, it often comes as a surprise when they find out that golf requires far too much walking, they’re in bed before they’ve even had time to consider drinking anything interesting and, that most of their leisure times ends up being squandered as they look for the best deals at the supermarket! This is what leads many older men and women to warn younger generations about wasting their years. It’s a warning that all too often ends up completely unheeded. It’s only remembered later, as they find themselves looking for the same bargains in the supermarkets, they can barely keep their eyes open beyond 9pm and, thought of a raucous night out is all just too much hassle!

Another thing that is often considered too late, or too early depending upon your point of view, is how your family is going to take care of your funeral costs. It’s funny that so many people say that they’ve “taken care of their final arrangements” when actually, all they’ve typically done is specified what they want to see happen (or not as the case may be). How it happens is usually on the shoulders of their next of kin. You can ask for all the sombre dirges and wreathes of flowers you’d like, but without some way to pay for it all you’ll be lucky to see a few flowers in a vase and someone playing the Hallelujah chorus on a kazoo!

It’s unlikely that you’ll mind of course. You’ll be unable to attend the event which is supremely ironic considering that you’ll be the guest of honour. Those you leave behind however, could end up being stuck with a pretty stiff bill.

Most people turn to life insurance to pay for their final costs but, this can be an imposing proposition for someone in the twilight years. After all, its life insurance and it’s the twilight of your life. These are things which are fundamentally opposed to one another. Insurance is a sort of bet against the odds of a particular misfortune happening. Without wanting to spoil anything, betting against the mortality of the human race is like coming to a roulette table and betting on the number 7,005! As such, most don’t feel that they are in any position to get life insurance later in life.


The Good News

It can therefore be good news to learn that the elderly do have affordable easy life insurance solutions. There are organizations that help older men and women invest in their future for that time when they officially run out of future to use. Saga Guaranteed Life Insurance, provided by PruProtect, is just such a company.

A lump sum of a little over £4,800 could be in the hands of your next of kin when you pass away. The cost for that service is just £20 a month which ends up being around seventy pence a day. That’s less than the price of a good cup of tea or, for that matter, a bad one. If you’re tea budget is too lean even for that sum there is no need to worry, there are plenty of options for those on a tight budget.

Most insurance companies are going to want you to take a medical so they can determine your premiums, the amount your policy is worth and, similar information. They’re also probably going to be using that data so their bookies can make good odds for the office betting pool, but they’ll never confess to that! Saga, on the other hand, knows what they’re in business for and that’s making sure that your family can cover your final expenses, NOT how much the betting pool is worth! A funeral can easily cost in excess of £4,000 and, making sure the cost is taken care of long before that happens is what’s really important. You’ll want to be remembered well, even when everyone is arguing over your fine china!

Your final days should be ones of calm repose and serenity. You can, of course also spend them on heavy drinking, wild gambling, and raucous laughter if that’s what you want after all, you’ve earned it! Regardless of how you spend your time in later life, it’s harder facing the unknown with the awareness that your loved ones are going to be struggling to pay for the privilege of paying you their final respects.

Give Saga a call. Your premiums are fixed the moment you get your policy, there are no medicals and, the call is free. Take a look at the link on our website for Saga life insurance, you’ve got nothing to loose, except a bad cup of tea!

Direct Line Pet Insurance Review

Before you get a pet you should ALWAYS weigh up the costs. Cats and dogs especially can cost thousands of pounds just in vet bills, not to mention all the toys you buy, the beds (particularly cats, they love beds), food of course, and all the other treats you love to give them.

This is why there are many insurance companies on the market that actively advertise they will insure your pet and amongst them is Direct Line. Although this company is far younger than many of the other names out there, in the short space of time they’ve been around they have become a household name.

Now, this could be because of the catchy T.V. advertising but, it’s more than likely down to the services they offer which are why customers keep coming back for more. One of those services is pet insurance. This is kind of obvious really considering the title to this piece!

Why Insure your Pet?

Well, we have yet to come across government funded medical cover for pets like the NHS although, keep that one quiet because who knows, you might end up having to pay a tax if you’ve got pets! So, when you do have to make an unexpected visit to the vets, you will have a bill to pay and, depending on the severity of the problem this could be something that leaves you dipping into your savings.

Some of the most obvious reasons you will need to make a visit to the vet without prior notice are:

  • Your dog finally decides he’s had enough of that squeaky ball and devours it! Leaving him with a very uncomfortable gut problem (dogs are not very bright sometimes) and a pretty smelly one for you!
  • Your cat thinks it will be a really good idea to jump a fence that’s way too high because he’s after a bird and ends up with an injury.
  • God Forbid, you pet is involved in an accident.
  • Equally as worrying, they develop symptoms that leave you thinking a serious illness might be the trouble.

These are just a few of the reasons why you will need a vet at short notice and Direct Line has thought all about them.

What You Can Expect with Direct Line Pet Insurance

There are two types of insurance for your pets from Direct line and these are: Essential and Advanced. The main difference between them is the amount of money you’ll be reimbursed if your cat or dog contracts an ongoing illness. For the Essential cover you will receive £4,000 and for Advanced you will receive £6,000. It’s worth noting here that if your pet has multiple conditions, you will receive the same amount for each however, cover will stop after 12 months when you take out the Essential cover, with the advanced policy, there is no limit.

For either policy you will also receive the benefits detailed below:

  • A Helpline so you can find a vet quickly.
  • Should you need it (and this is probably more in the case of dogs than cats), a legal helpline will be made available to you.
  • It’s a sad fact that most of us will outlive our pets and for that reason Direct Line has a bereavement helpline for all its policy holders.
  • UK only based call centres.

What’s unique about Direct Line pet insurance is the way in which you can tailor your policy to suit you. When you use the link on our website to take a look, you will notice all the information given above however, there is a step 2 and this is where you can choose various other benefits so you get the best from the policy for your pet.

Here Goes….

Additional Benefits

  • If you have to stay in hospital boarding fees for your pet will be covered.
  • If your pet is lost or stolen you will receive compensation for offering a reward and/or claim advertising costs.
  • If you have to cancel your holiday and lose money, Direct Line will cover the loss.
  • If accidental death occurs, you will also be covered.

Overseas Travel

  • You will be covered for the loss of your pet’s passport.
  • Additional worming or tick treatment.
  • Any emergency expenses you may incur (for your pet, not you), will be covered.
  • If quarantine is required, you can choose to cover that as well.

Why Direct Line Will Not Cover Your Pet

Of course, there are certain conditions that may prevent you from being able to take out a policy but these are pretty standard across all insurance companies.

  • Dangerous and working dogs are excluded.
  • No cover for illnesses or injuries that occurred prior to the policy start date.
  • Your pet must be between 8 weeks and 11 years old (6 years for some breeds of dog).
  • You must reside in the UK.




AA Car Insurance Review

AA is possibly one of the oldest car insurance companies in the UK. I don’t know of anyone who does not know about the AA. They are masters in their field when it comes to car insurance. They currently have millions of people that are members of the AA and many of those people have been with the company for a number of years now. If you are in the market for car insurance, you should most definitely check out the AA. Their customer service is outstanding and the systems they have in place to make sure that you get the best from your car insurance policy are some of the best you will find in the UK.

Reasons to back up why you should use AA Car Insurance

  • Defaqto awarded the AA a 5 star rating when it comes to the car insurance policies that they offer. This is one of the highest awards you can receive as a car insurance company. This award alone proves that the service AA offer is amongst the best in the UK.
  • When you take out a car insurance policy with the AA, they have a rewards system for their members. If you like statistics, get this one….the AA’s reward system saved their members over £4.5 million in the year of 2010!
  • If you are a new customer to the AA and are thinking about taking a car insurance policy out with them then you will be offered 1 year free on their breakdown cover; this alone can save you a fair few hundreds of pounds.
  • You can be safe in the knowledge that the AA know what they’re doing when it comes to car insurance; here’s another statistic for you….they have had over 5 million new car insurance policies taken out with them in the past 5 years!
  • If you are already a member of the AA then you probably know this already but for those of you that don’t did you know that you can get up to £500 to cover your personal belongings in you car. This is double what is offered with their standard car insurance policies.

AA and their Drive Safe System

I happen to think that this is a really fantastic idea. Get this; when you take out a car insurance policy with the AA and you opt to join up to the drive safe system, the AA will install a box into your car. This box measures how safely you drive. The safer you drive, the more points you earn. The more points you earn the more discounts you will receive throughout the year of your policy. Not only that but if you opt to join this system when you take out a new car insurance policy you will also receive a discount when you sign up.

Who can join the Drive Safe System?

That’s easy….anyone! For all parents out there that have children that have just passed their test and now allowed to be left to their own devices when out on the road; why not join them up to this scheme. It will not only teach them how important it is to drive safely but it will also give you as the parent more piece of mind when they are out in their car. This system is also especially useful for people that are currently paying higher premiums due to driving convictions or the fact that they just keep bashing up their car.

What you get with Drive Safe

When you join up to this system you will benefit from the following:

  • Of course you will save money and be able to get the premium rate you currently pay down to a reasonable level if you are paying more than you should for the reasons given above.
  • An anti-theft tracker will also be installed at the same time as the box and this will not cost you a penny.
  • With the box, you will also get a monitor that sits on your dashboard so you know how safely you are driving.
  • A claim line that is available to you 24 hours per day 7 days a week.
  • If you need repairs doing to your car, the AA will provide you with a replacement vehicle until your own car is ready.

I have mentioned this system first in this article as, in my opinion this is one of the most innovative ideas I have come across when looking for car insurance. The AA have managed to combine the fact that they want less people claiming on their policies, ensure that you as the customer save money and also educate people on how to drive more safely.

Now, onto the other car insurance policies that you can get with the AA; the AA is one of the few companies in the UK that still offer Third Party car insurance. If you decide on this type of car insurance policy you will expect to get the following:

  • A 24 hour hotline that is available 365 days per year so if you need to make a claim, you don’t have to worry about when you can call.
  • Protection from damage to your car if someone decides that it might be a good idea to run their key over your nice paint work.
  • Costs will be covered for any medical treatment that you might need due to an accident.
  • If you have a car sharing scheme then you this type of insurance policy will cover you.
  • No Claims Discount – of course!
  • If you want to travel abroad the AA will cover you for 90 days, however this is only if you are in Europe.
  • Your car will be covered by your insurance policy if you leave it in the hands of another professional such as a mechanic or hotel employee that parks your car for you.

The 2nd type of car insurance policy that you can purchase from the AA is Third Party Fire and Theft. The benefits you can expect to get with this policy are as follows:

  • Everything that you get with a Third Party car insurance policy.
  • Damage caused by theft or fire (otherwise what would be the point of the title of the policy)!
  • The AA will replace your keys and locks for you but this is limited to £1,000 and only comes into play if you need them replacing due to fire or theft. If you go for this type of car insurance, don’t lose your keys.
  • If you have a child’s seat, the AA will replace it for you but again this is only if you need it replacing due to fire or theft.

Lastly, the 3rd car insurance policy that you can have with the AA is fully comprehensive. Ok, this will cost you a bit more, nevertheless, with things the way they are on the road today, this is the one I would go for. The benefits you get with this type of car insurance are as follows:

  • Everything you get with their 3rd Party and Third Party Fire and Theft policies.
  • Accidental damage to you car is covered by this insurance policy.
  • If you need repairs doing to your car and you use one of the AA’s approved repairers, they will provide you with a courtesy car.
  • If you need any windows, windscreen or sunroof replacing, you will be covered for this and it won’t affect your No Claims Discount.
  • Your personal belongings are protected up to the value of £250, except if you are and AA member in which case you will receive double that amount.
  • If you have a trailer, this will also be protected under your car insurance policy. The limit here is £500 for a single axle trailer.
  • You will receive up to £5,000 worth of compensation should you are your partner be injured or die in an accident. Be aware here, that should you become an AA member, this amount rises to £7,500.
  • Medical expenses are also covered up to the value of £400 for non AA members, for AA members this raises to £500.
  • The AA will provide you with overnight accommodation or transport to your destination; this is limited to £300 per person or a maximum of £500 for everyone that is travelling.

The above information is a lot to take in; however, I have tried to explain it as clearly as possible. Not everything that the AA has to offer with their car insurance policies has been included. If I did include everything, you would still be reading this in another 12 hours from now….that or you would fall asleep!

I think the AA is one of the best car insurance companies to be found in the UK. Believe me, you will not far wrong with a car insurance policy from them.

RAC Breakdown Cover Review

As a Company, the RAC have been around for so long that even my grandmother can remember them and she is in her 80’s! The fact that this company that deals in breakdown cover is still around today is testament to the fact that they know what they are doing. If you ask anyone about the RAC they will know who you are talking about and will more than likely have an insurance policy with them or know someone who does. When you are in a position to start looking for breakdown cover, you will need to know that the company you choose is reliable and will be around for the duration of your breakdown cover policy. You will have no such problems with the RAC.

So, let’s deal with what the RAC actually offer when it comes to breakdown cover. At the moment, if you look at their website, you will find that they currently have a spring offer. If you are new to the RAC and join up throughout spring you will be offered additional savings and they can give you a breakdown cover policy for as little as £29.99….this is some mean feat; there are not many other companies out there that can boast this sort of price.

It’s worth remembering here that the larger the company the more they can offer you in terms of service and affordability. The RAC are, quite simply HUGE…they have a network of branches right across the UK and when it comes to roadside assistance, they have mechanics that can be with you in as little as 40 minutes, for you ladies out there, don’t worry, the RAC will give you priority when you call them, especially if you are out on the road alone.

Incidentally, it doesn’t matter where you are in the UK, the RAC will stick to this time limit even if you have ended up in the middle of a field due to a tyre blowing out! For the people that like statistics that are reading this article, the RAC has approximately 2,000 mechanics out on the road 365 days a year 24 hours a day. As a company the RAC can boast that they have over 100 years experience in the breakdown cover arena.

Breakdown Cover that the RAC offer

  • You (something that many companies overlook) and your car.
  • Owners of motorbikes and 4×4’s can take out breakdown cover with the RAC as standard…lot’s of the major breakdown cover companies require you to take out specialist breakdown cover if you have a 4×4 or motorbike, the RAC see no reason why this should not come as standard.
  • You can have up to 5 callouts per year under your breakdown cover policy and if you have additional vehicles attached to your policy this number will raise. Unless you have a complete old banger that breaks down the minute you pull out of your driveway, it’s unlikely that you will need to make this many callouts in one year.
  • One important thing to note here is that many other companies that offer breakdown cover will charge you in addition to the premium you pay for any parts or labour that is required if you need roadside assistance. With the RAC you only pay for the part itself, the mechanics time is part of your breakdown cover.
  • When it comes to paying for your breakdown cover, you will be able to pay either monthly or annually. This is a great idea for those of you that would rather just get the whole thing paid for in one go and not have to worry about it again until it’s time for you to renew your breakdown cover.

Other Options the RAC offer with Breakdown Cover

Again, I cannot stress enough that you can get breakdown cover from the RAC for as little as £29.99 per month at the moment….get in their fast; this offer will not be there forever!

  • Nationwide Recovery – This means that no matter where you are in the UK, the RAC will transport your car to your home or another address. This can include you as the driver and up to 7 people travelling with you (for those of you that own 2 seat sports cars or minis, this will not be a problem you are likely to encounter). If you happen to get ill when you are travelling and can no longer drive your car and do not have any passengers that can take over then the RAC will come and rescue you.
  • From Home – With the standard breakdown cover from the RAC you will not be covered for any issues that arise within a quarter of a mile from your home address, you can opt to take out breakdown cover with them which will cover this. So, if you get up one morning and your car won’t start or it just gives up on you as you pull out on to the main road, the RAC will send a mechanic to help you out.
  • Onward Travel – This is also an optional extra and this will come into play when your car or motorbike cannot be repaired on the roadside. You can get a courtesy vehicle for up to 3 days whilst you own vehicle is being repaired…age limits apply here so make sure you check this out first. If you need to use public transport and incur a cost because of this the RAC will reimburse you up to £150 or £500 if you are a group of people travelling. Bear in mind that this breakdown cover extra does also include air travel. If you need to stay overnight in a bed and breakfast, you will also be reimbursed for the cost, the same amount applies as for public transport costs. If you happen to have a caravan or trailer, the RAC will take this for you, however, be aware that you will need to meet any extra costs for this yourself.

One of the most common problems that occur with cars on the road is that darn battery failing! I myself have been in this situation a couple of times and I’ll be honest with you it’s a right pain in the proverbial! As with other major breakdown cover companies you can become a member with the RAC. If you are a member and your battery does conk out on you the RAC will send a mechanic to replace it for you. All you have to pay for is the battery itself, everything else is covered with your breakdown cover membership.

So, you have had a new battery fitted under the breakdown cover that you have with the RAC, what about the warranty? Well, this is easy, depending on the type of battery you have had replaced the RAC will guarantee it for up to 5 years. There are conditions when it comes to the replacements of batteries simply because it is such a common problem, so make sure you check that this type of breakdown cover is just what you need. One thing to note is that you do not have to be out on the road when your battery fails, if you are at home and find that you need a replacement; the RAC will arrange a time to come out and replace it for you. Once again, be aware that this will only apply if you are a member of the RAC.

Some of you may be people that often travel in your vehicles in Europe; you have not been overlooked when it comes to RAC breakdown cover. There are polices for you too and these cover over 47 different countries throughout Europe. There are 2 types of breakdown cover that you can go for when travelling in Europe – Single Trip or Comprehensive. The benefits you can expect to receive are as follows:

  • Have your car fixed at the roadside or towed to a garage (if on a single trip breakdown cover policy this will only last for 5 days).
  • English speaking mechanics – great idea the RAC – trying to get across to a French speaking mechanic that your battery has died could be a tad difficult if you don’t speak the language.
  • If you are on a single trip breakdown cover policy, you will receive assistance in making it back the UK – again conditions to apply here so ensure that you check them out.
  • If you take out the comprehensive breakdown cover you will receive everything as mentioned above and….
  • Emergency repairs up to the value of £150.
  • If you become ill and cannot drive and do not have a passenger that can take over for you the RAC will provide a driver for you.
  • Help with costs should you need to stay overnight somewhere or need to get back to the UK.

Remember; don’t forget about that spring deal, its well worth taking advantage of!


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Breakdown Insurance

When we take out car insurance policies many of us do not take into account that we may need help if we breakdown when we’re out on the road. One of the most annoying things that can happen is that you get up on a frosty morning, already a tad late for work only to find that your car won’t start! This is where breakdown insurance comes in and many companies offer this as part of a fully comprehensive car insurance policy.

Why you should Have Breakdown Insurance

For you ladies out there, bear in mind that if you happen to be driving alone that breakdown insurance is of the utmost importance. It doesn’t matter which way you look at, if you have to abandon your car on the motorway slip road, you are much more at risk than your male counterparts of being a victim of crime. Sorry to say this, but it’s a fact. Many breakdown insurance policies have clauses that are specific to the needs of women drivers and pledge to be with you in less than 40 minutes when you break down. For those of you that are male, breakdown insurance is especially useful because when you breakdown this is more likely to happen when you are on the way to an important business meeting or God forbid your wife or partner has just gone into labour and you need to be at the hospital pronto

Who is the Best When it comes to Breakdown Insurance?

This question is a hard one to answer, there are a multitude of companies out there that offer great breakdown insurance, some of the companies that come out top are listed below:

RAC – This Company is the 2nd largest in the UK when it comes to breakdown insurance, they are not the cheapest but you will not find a bad word to be said about them. One of the great things you get with their breakdown insurance is a mobile locator; this means that if you don’t know where you are then the mechanic can locate you using your mobile phone signal. There are not many other companies that specialise in breakdown insurance that can boast this type of system. You will also get roadside assistance and they pledge to be with you within 40 minutes of you making the call. All of their staff wear company issued uniforms and have ID, so there is no need to worry that some undesirable individual has decided to stop and offer bogus help.

AA – This is one of the oldest breakdown insurance companies in the UK today. There breakdown insurance is pretty much the same as RAC however; you will find cheaper prices and more discounts to be had with them. One thing that this breakdown insurance company can boast is that they fix more vehicles roadside than any other company in the UK. The other statistic worth noting here is that almost 95% of members of the AA say they would recommend their service to a friend. This is possibly why you do not often see televised advertising campaigns for the AA, they simply don’t need to.

Green Flag – Although much younger than the RAC or the AA, Green Flag are still a great choice when you are looking for breakdown insurance for your car. They are doing their best to break into the breakdown insurance market to the point where they say that they will beat any quote that you receive from either the AA or RAC when it comes to the time for you to renew your policy. Not only that, they also offer a callout service which is available 365 days a year 24 hours a day, this means that even on Christmas Day you will be able to get your vehicle going again within the hour and make that all important turkey dinner.

Does Breakdown Insurance come as a Car Insurance Package?

Many breakdown insurance companies offer these types of policies as a stand alone product. The reason behind this is that there are many different levels of breakdown insurance cover. You can take out the most basic packages that include roadside assistance and this will cover you nationally, or there are more complicated policies that will cover you for the following:

  • Some of the larger companies will offer to put you up in a hotel if they cannot repair your car by the roadside. This of course is one of the highest premium types of breakdown insurance and will cost you more but if you are someone that is on the road a lot of the time it would be well worth you taking a look at including this type of cover with your breakdown insurance.
  • If your car, motorbike or caravan requires parts this can also be part of your breakdown insurance policy.
  • No callout charges are also an option with breakdown insurance.
  • Of course no claims discount is a must and this is offered as standard with most, if not all breakdown insurance policies.
  • If you use the preferred garages for repairs with the company you have decided to take your breakdown insurance out with, they will cover the repairs under your policy.
  • If you happen to be someone that drives regularly from the UK to Europe, you will find a breakdown insurance policy to suit you.

These are just a few of the options that are open to you when looking for breakdown insurance, some companies will even tailor the policy to suit your own needs. This is especially useful if you are someone that is “outside of the box” when it comes to standard breakdown insurance.

This said there are companies that only offer breakdown insurance as part of the fully comprehensive car insurance package; More Than is one particular company that works in this way. If you want my opinion, only go for this if you need the most basic breakdown insurance. If you need a policy that is more complicated it would be cheaper for you to take out a separate policy and it will also make it clearer to you exactly what you are covered for.

In Conclusion

I cannot stress enough here how important it is that you have some form of breakdown insurance cover. We rely more heavily on our vehicles than we think. You only realise this when your car does actually break down. Standing in the pouring rain with the wind whipping about your legs, whilst you wait for a friend or family member to come and pick you up is no fun, believe me, I know! The other thing that can be real nuisance if you find yourself in this situation is that you will more than likely have to leave you vehicle behind. This means that you may be without your car for some days.

If you have breakdown insurance, you can be back on the road within the hour, imagine how annoying it would be to have to leave your car behind only to discover that it was a flat battery that was causing the problem. If you have breakdown insurance it would take any mechanic minutes to sort this problem out for you. You may think that you could do without the added expense but think about it….someone has to come and pick you up, you can’t get to work because your car is stranded on the motorway or down some country lane. You then have to pay a towing company so that you can get your car to a garage and after all of that you find that you are charged premium labour rates just for someone to charge the battery on your car.

How many hundreds of pounds are you out of pocket so far? No, breakdown insurance is definitely worth having and it’s possible for you to find reputable firms that offer breakdown insurance policies at very reasonable rates. Don’t forget that you can also use price comparison websites to help you find the best quotes out there. If you decide to go down this route, make sure that you also take the best price you find to any companies that do not subscribe to price comparison websites, you never know, you might find an even cheaper price!

All in all, this article has been written to give you an idea of the sort of breakdown insurance that is available in the UK market place at the moment and also to give you an idea of why it is so important to have breakdown insurance. When you are out on the road it can be a potentially dangerous place to be and if you have the proper cover, there will be no need for you to worry about it if you do breakdown. Of course, you may be one of the lucky few that don’t have to make a claim against your breakdown insurance in which case, enjoy the no claims discounts!

Women’s Car Insurance Review

Women’s car insurance, how long has it taken for insurance companies to realise just what safe drivers we are? I’ll bet you any money that whoever came up with these types of car insurance policies was a woman! Some of the biggest car insurance companies have, at last, started to reward women for the fact that they rank lower in the risk stakes when it comes to being on the road. For a start, we girls do not allow our heads to be turned by all of those extras that you can add to your car in order for it to become sportier. This (if you didn’t already know) actually raises the cost of insurance on your car.

The reason behind this is that the faster your car is the more at risk you are of having an accident. Plus, women tend not to speed as much as men do, we mostly use our vehicles for commuting to and from work or completing the daily school run. This means that as a whole, women have to be more responsible when they are on the road because they are more likely to be carrying young passengers or delicate loads like the weekly shopping.

Here are some statistics for you:

  • In the UK alone driving offences are committed by over 90% of men
  • When it comes to dangerous driving the statistics show that over 95% of this sort of offence is caused by men.

Any person that is involved in marketing within a car insurance company cannot ignore these statistics, they speak for themselves!

How to go About Finding the Right Women’s Car Insurance Policy

One way in which you can find a car insurance policy to suit you if you are a woman is to research on the internet; there are plenty of price comparison websites that you can use to find companies that specialise in women’s car insurance policies. Be aware, however, that not all reputable insurance firms subscribe to price comparison websites. My advice here is to start there, gather some quotes and then go to other car insurance companies to see if they can match the prices you have found.

The other thing you can do is ask around, word of mouth is a very powerful marketing tool…if you happen to work for or own a car insurance company and are reading this article, please take note….we do talk about you!

Make sure that before you decide on a car insurance policy that is geared towards women that you understand fully what is covered when it comes to you and your vehicle; many people (not just women) get themselves into sticky financial situations because they have not understood EXACTLY what their car insurance policy covers.

Some of the Best Women’s Car Insurance Companies

AA – This Company has been around for many years and his here to stay. They are practically a household name in the UK and offer some great deals on women’s car insurance policies. The one thing they are great at recognising is that as a woman, if you are driving alone and happen to breakdown or are involved in an accident, you are more at risk of becoming a victim of additional crime then men are. They pledge to attend to your needs within 30 minutes of you calling them and this can come as standard with their fully comprehensive car insurance policies. I have chosen this company as top of the list because I honestly cannot find a bad word to say about them. The discounts they offer for women’s car insurance policies are some of the best on the market and if you go to them with a price you have already been quoted, they will more than likely match or even beat that price.

Sheila’s Wheels – What a fantastic company name, as a woman I would be interested in researching their car insurance policies just because of that. I guess that’s why they came up with the name….very clever, whoever thought of it. One of the best things that this company offers with its comprehensive car insurance policies is handbag cover for up to £300; for any men reading this, you may think “what a load of old rubbish”, well let me tell you, handbags are incredibly important to us ladies and we guard them with our lives. It’s not just about having your favourite lipstick to hand, we keep our keys, credit cards and money within our handbags so having a car insurance policy that covers this is a real bonus.

Another great idea that Sheila’s wheels has come up with is that they will offer you counselling with you car insurance policy, this is available to you 24 hours a day, every day. I only wish that I had come across this company sooner, some years back I was involved in a car accident and had I had counselling available to me under my insurance policy I would definitely have taken advantage of it. Of course no claims discount is important to us as well and this company offer up 75% with their women’s car insurance policies.

Women on Wheels – Yet another great company name, if you are looking for a car insurance policy tailored for women; there will be no confusion about what this company does. These guys are part of the Endsleigh Insurance Group and if you go to their website all you need to do is click on the “get a quote button” and they will find a policy that suits your own needs. This is great, because everyone is different and we ladies require different types of cover than men. They do also have the following that comes as standard with their comprehensive women’s car insurance policies:

  • Up to 76% no claims discount.
  • All repairs that are carried out on your car are guaranteed for 5 years.
  • If you use one of their preferred garages for servicing or MOT you can save between 10 & 20%.
  • If your car needs to go in for repairs, you get a courtesy car as standard.

Bear in mind that the above are just a few examples of what you can expect to get from your car insurance policy and do also remember that if you have a special requirement, they will do their best to help you.

These are just a chosen few of the car insurance companies that specialise in women’s car insurance policies. A lot of the well known larger companies also now offer car insurance policies for women however; you might well be better off sticking with those that make it their business to insure women. If you have a partner or husband, don’t worry, you can get multi-car insurance policies that will allow you to add your spouse or house mate as well. This will not affect the savings that you can make with your own car insurance policy.

In Conclusion

At last, the UK car insurance market has recognised that us girls are a safer bet when it comes to car insurance and not only that, they are now thinking about the sort of needs that a woman has when it comes to insurance on her car. It doesn’t matter which way you dress it up, it’s a dangerous world out there and women need specialist protection when they are on the road; especially when they are driving alone. There are hundreds of car insurance policies tailored towards women with this in mind.

If you are a woman and you are on the market for a car insurance policy, check out the companies mentioned in this article, they have really thought about what women’s car insurance policies should include and not only that, they offer great savings because we, as women, are less likely to make a claim. Car insurance companies now know that as women, we drive more safely and take better care of our vehicles than men do.

With some women’s car insurance companies, you will even be able to gain advice on how to make sure that your car is safe to drive; one of the things that men do come out top on is having the knowledge about tyre pressure, oil levels and so on. When you choose a car insurance policy tailored towards women, you will find that on the whole, most of the companies that offer women’s car insurance policies will advise you on these little issues. After all, it’s in their interest to ensure that you don’t experience a tyre blowing out on the motorway or your engine conking out because you have run out oil.

The message here is that whether you’re a young woman that has recently passed her driving test or a woman that has been driving for some time; you can now at last, find women’s car insurance policies that will protect you properly. You can now find a car insurance policy that is just for you!


Tesco Car Insurance Review

If someone had said to me 20 years ago that a supermarket would be offering car insurance, I would have laughed in their faces! However, I would now have egg on my face because you can get Tesco car insurance. Large supermarket chains such as Tesco have really branched out over the years and because these companies are so large they can really compete with the big boys. This article will tell you all you need to know about Tesco car insurance and why it’s not such a bad idea to use them.

First of all, if you like price comparison websites you will find that if you are searching for a car insurance policy Tesco will pop up all over the place. They certainly appear to come top on most of these sites, however, my advice is to go to their official website and check out exactly what you can get with a car insurance policy first. There are some stipulations that Tesco have in place with their car insurance policies and these are:

  • You must be over 18 (sorry first time drivers) and you must also have a full driving licence that is registered in the UK.
  • You need to be a permanent resident in the UK and have a fixed address.
  • If you have a classic car, Tesco car insurance is not for you. They will only insure cars that are no more than 16 years old. For all of you “monster truck” lovers out there, beware, Tesco will not insure any car that is over 18 feet in length.

Some of these stipulations may seem a little harsh however I like their honesty. There is nothing worse than going through all of the hassle of getting a quote only to find that you can’t actually take out a car insurance policy with your chosen company. Upon researching the Tesco car insurance they have to offer, I found that there is quite a lot to choose from, in fact, if you want to, you can pretty much make up your own policy. For the purpose of this article I am going to stick to the basics, just so you know what you can expect to get without all the frills.

Value Tesco Car Insurance

  • If you wish to purchase this type of car insurance policy with Tesco then you will only be able to online.
  • Excess on accidental damage with this policy is limited to £475.
  • You will be covered for your car and other cars should you be involved in an accident.
  • Personal accident cover is available with this type of Tesco car insurance policy.
  • You will be covered for fire and theft.
  • A 24 hour helpline is available to you and this is based in the UK.
  • When it comes to excess you can choose a level that suits you.
  • Discounts are available on repairs and servicing but only if you use Halfords Service Centres.
  • If you wish to take a trip around Europe and want to take your car, with this type of Tesco car insurance you will be covered for up to 90 days; why not take that trip through the Alps that you have been promising yourself? You will be safe in the knowledge that your car insurance policy will cover you.
  • For all of you parents out there that have children that require a child seat, don’t worry, Tesco will replace if for you should it be damaged. I happen to think this is a great option as not many other car insurance companies offer this sort of cover.
  • Legal Protection is also available with this type of Tesco car insurance policy.
  • For cars only, if you need to have repairs done then Tesco will provide you with a small courtesy car (note the word “small” here).
  • When you use one of Tesco’s preferred repairers they will guarantee the work that has been done for 3 years.

Standard Tesco Car Insurance Policy

This type of policy actually brings more benefits with it than the value insurance policy. With this type of car insurance policy you will receive all of the benefits listed above and…..

  • Cover for your personal possessions should they be damaged or stolen.
  • Should your windscreen decide to shatter into a million pieces or even if it has a chip and needs replacing Tesco will cover you for this.
  • Oh, and I almost forgot, if you wish to purchase this type of Tesco car insurance policy then you can do so online or over the telephone.

These are the 2 car insurance policies I was immediately faced with when I went to Tesco’s official website, after some more digging around I found out the following:

Tesco Car Insurance and Breakdown Cover

Tesco have brought in the RAC when it comes to their breakdown cover. If you don’t know who the RAC are then I doubt that you even know what a car is! This company has the largest network of breakdown recovery vehicles in the UK and fixes 4 out of 5 vehicles at the roadside. This of course will not be the case if your front end has been bashed in, in which case, you will need to be towed. Some of the benefits you will receive when you add this option to your Tesco car insurance policy are as follows:

  • If you are in a vulnerable situation, for instance a woman travelling alone and you breakdown you will be given priority response.
  • Tesco will aim to make sure that an RAC mechanic will be with you within 40 minutes, no matter whether you are in a built up area or in the countryside.
  • You will not have to pay any labour costs or the cost of any parts and one of the best things about this cover is that you will not have to pay for a new battery if that turns out to be the problem. This is one of the most common causes for a breakdown and not many car insurance companies offer this as free service if you have breakdown cover with them.
  • Once you have reached more than a ¼ of a mile from your home then you will be able to call for roadside assistance.
  • If you have any other Tesco car insurance policy except their value cover you can get assistance within a ¼ of a mile from your home.
  • For the “finest” and “Euro Plus” breakdown cover policies, if your car cannot be repaired at the roadside then they will ensure that you and up to 8 passengers are either taken home or to another address.
  • Something called onward travel is also available with the finest and Euro Plus policies. This means that you will be able to hire a car at no cost, or Tesco will pay for any travel expenses. They will also pay for any hotel accommodation if that is what you need.
  • European cover is only available with the Euro Plus policy and this means that should you breakdown whilst you are on your way to Europe or are actually in Europe, Tesco will make sure that you have roadside assistance. If that doesn’t work then they will take your car to the nearest garage for repair. If you need it, hotel accommodation will be provided for you or Tesco will provide you with some other form of transport.
  • Legal expenses are also covered with the Euro Plus breakdown policy, however, do be aware that there are certain rules that apply with this (and I’m not going to go into all of them here) so, make sure that you ask about this information when you are talking to Tesco about this part of your car insurance policy.

Considering that Tesco is in all intense and purposes a supermarket, I think that their car insurance policies are great. They have really done their research and are competing well with other major companies that specialise in car insurance. The one thing that might be catching your eye as you read this is your Tesco club card. I bet you thought that I had forgotten about that one; well I haven’t.

If you are a Tesco club card member, you can put this little piece of plastic to work for you when you decide to take out a Tesco car insurance policy. If you apply online, all you need to do is enter your card number and you will be given an additional discount. Also, when it comes to paying for your car insurance you can use your Tesco club card vouchers in order to do this. I think this is a very clever idea; not only do Tesco get your car insurance business they are also managing to keep you shopping at their supermarket. After all, every little helps doesn’t it?

Pet Insurance Review

If you have pets then this article is going to be especially useful to you. I happen to have 2 cats that have been a part of my life since they were 4 weeks old and they are now 17 going on 18 years old. Anyone who has pets that are lucky enough for them to reach their twilight years will know how expensive it can be to keep them fit and healthy. I only wish that I had taken out pet insurance at an earlier stage. Let me give you an example of my monthly outgoings based on what my 2 wonderful girls need in order for them to still be happy in life.

They both now have kidney problems, this is very common in both cats and dogs, it costs me just over £20 every 28 days to buy the kidney pills that they require so that they are not constantly vomiting everywhere (more on that in a minute). They also need a special diet of food that helps keep their kidneys functioning, this costs £15 per 1.5 Kilo a bag and as there are 2 of them I can get through 2 bags each month. On top of this I spend £7.50 for a tube of something called “engergel”, this ensures that their livers are in tip top condition (both have had problems in this area). If you add to this the cost of the amount of kitchen roll and anti-bacterial cleanser I can get through in a month due to the vomiting (especially in the summer months), it all starts to add up.

This is where pet insurance comes in, if you add up what I have already spoken about, we are talking almost £60 per month just on food and prescription items that both of my cats need so that they have quality of life. This doesn’t include the odd visit to the vet for a blood test to make sure that they are healthy or the odd overnights stay when they get really ill. This can cost in excess of £80 each time! I dare not even tell you how much this adds up to over a 12 month period.

Now you have some background information on how much pets can cost you as they get older. If you have pets, don’t do what I did (incidentally pet insurance wasn’t really around when I first got my cats), if it was then it was really expensive to get. Start early and get yourself some pet insurance. Many companies that deal in all types of insurance have now realised that they can also help when it comes to your pets. I know at the beginning of this article I explained the cost implications when it comes to your pets being older, however, they cost you money all through their lives. When they are young, they need to be vaccinated and neutered (if you are a responsible parent of course)!

One company that appears to have been a pioneer in the area of pet insurance is More Than, anyone who has not seen the ad with the Morgan Freeman voice over must not have a television, their pet insurance policies, in my opinion are 2nd to none. Here are some of the benefits you will receive with a pet insurance policy with More Than:

  • They will beat any quote that you receive when it comes to the time when you need to renew your pet insurance policy.
  • You can have a policy that will cost you as little as £7.00 per month.
  • The pet insurance that you receive covers all vet bills up to £7,000.
  • It will not matter how old you dog or cat is, you can start to insure them from the minute they are 8 weeks old until (God forbid) they die.
  • You will receive a 24 hour 7 day a week vet hotline service, so if you are worried there will be someone on the end of the phone to help, not matter what time of day it is.
  • You can also receive up to £600 towards advertising costs should your pet go missing, this can be a harrowing time for anyone that has a pet and knowing that you have this to fall back on with your pet insurance policy is a real bonus.
  • If you want to take your pet abroad, be aware that not many companies offer insurance for this, More Than do. Funnily enough they cover both cats and dogs for this. Your pet will be insured just like a human being so if he or she should need medical treatment whilst you are on holiday, you will not be hit with a massive bill.

The reason that I have mentioned the benefits that you will receive with a More Than pet insurance policy is that cheapest is not always best. We in the UK are well known for our love of animals and we tend to go that extra mile when taking care of our pets. Make sure that when you are looking for a pet insurance policy that you check exactly what you will receive for the money you are spending. The last thing you need is to book your pet in for an expensive operation only to find that your pet insurance policy will not cover you for it.

One of the pitfalls that you can come up against is that should your pet be diagnosed with an ongoing health issue such as cancer or kidney and liver problems, many pet insurance policies will only cover the treatment they require for the first 12 months. This can be a huge problem to you; many dogs and cats can live for a long time with an ongoing health issue with the right treatment. If your pet does have an ongoing health issue and it is diagnosed early on in life you will more than likely need to be covered for a number of years….make sure that you check this out before signing on the dotted line!

I have only mentioned More Than as a pet insurance option in this article; however, there are many large insurance companies out there that offer great pet insurance policies. I have used More Than purely as an example so that you can get an idea of what sort of cover is available for your pet. Do bear in mind however that this company will only cover cats or dogs.

If you happen to have an exotic pet such as a reptile, spider or any other animal that falls into this bracket, do not despair, there are pet insurance policies out there for you too. Many companies will take on an exotic pet and the type of cover you will receive is much the same as that for a cat or dog. Except for the fact that should you wish to take you exotic pet on holiday with you, I doubt you would find any company that would cover this… sensible, ask a friend to look after he or she for you instead!

Whatever type of pet you may have you’ll find a pet insurance policy to suit you. If you are someone who truly loves animals and likes to help out with donations to charity from time to time, why not check out the pet insurance policies that the RSPCA have to offer. When you take out a pet insurance policy with them, part of your premium will go towards helping the charity, a bit like killing 2 birds with 1 stone (sorry for the pun, no offense intended). Some of the benefits you will get with a pet insurance policy from the RSPCA other than helping the charity of course are as follows:

  • All of your vet fees will be covered.
  • Help with finding pets that are lost or stolen.
  • Help with accommodation costs should you, as the owner become ill and are not able to take care of your pet.

In Conclusion

Did you know that in the UK pet insurance is now more important to us than our own health insurance; research which has recently been undertaken has shown that up to 45% of pet owners will take out a pet insurance policy instead of a policy that will protect themselves from any health issues? We, in the UK are so besotted with our animals that we will give up on luxuries such as holidays, gym memberships and even alcohol and cigarettes in order to make those monthly payments on our pet insurance policies. I happen to the think that the latter of these will actually help to ensure that we as humans won’t actually need a health insurance policy for ourselves.

As mentioned at the beginning of this article, I didn’t take out pet insurance until my 2 girls where much older. Don’t make the same mistake as me; take a look at pet insurance today.

GreenFlag Breakdown Cover Review

Breaking down in your car is possibly one of the most annoying and frustrating things that can happen, and it NEVER happens when it’s convenient! When you use your car, you want to get from A to B without an issue, so when little “Sarah” decides she no longer wants to play the game you really need to get the problem fixed, and quickly.

Lots of people decide not to take out breakdown cover for their cars because they think “it will never happen to me”, or “I have a new car, it’s not likely to breakdown”. Not so! Cars stop working for all sorts of reasons, and it doesn’t have to be a mechanical fault. It could be yours! Did you remember to top up the oil? Have you made sure there is enough water for the radiator? Worst of all, did you leave home with enough petrol?

So, you see this is why you need cover of some sort, and Green Flag is fast becoming one of the UK’s favourite insurance companies to use. They may not be the largest insurer out there, but they’re certainly giving the big boys a run for their money.

So, what can you expect from GreenFlag breakdown cover? Well, for a start you can take out a breakdown insurance policy for as little as £27.00 per month and you get a great deal for your money. Take a peek below:

  • Roadside Assistance – You’re not limited to what time of day you call them or which day. This service is available 24/7 and if you happen to breakdown on Christmas Day, Green Flag will aim to have a technician with you within 45 minutes.
  • Vehicle Recovery – If you’re vehicle can’t be fixed at the roadside (and this only happens in about 1 out of 10 cases), you’ll be towed to a preferred repairer or other destination of your choice within 10 miles of where you car decided to give up the ghost!
  • Callout Charges – Just kidding! There are none with this level of cover.
  • Message Service – Green Flag will send a free message to your family and friends so they don’t start to worry about where you’ve got to.

So, that’s the basic Rescue breakdown insurance cover, but there is more!

Rescue Plus

Everything included in the above policy and cover at home. If you come out one morning all ready to go to work, and your car won’t start Green Flag will send a specialist to help you out.

The Recovery Policy

This doesn’t include the extra you get with Rescue Plus, but it does include everything with the basic Rescue cover plus, if you’re car can’t be fixed a kind technician will take you and your car home, or to another destination of your choice.

Recovery Plus

This is the most popular choice among Green Flag customers, and it will only cost you £60.00 per month. Of course, everything I’ve already mentioned is included. Yes, everything! Along with the following:

  • Your Choice if your car cannot be fixed – If you’re car cannot be repaired the same day, you can either choose to have a hire car, or Green Flag will kindly pay for some overnight accommodation for you. There are limits if you choose the latter, so don’t expect a night in the Ritz!
  • Cash! Yes, Green Flag will give you money, but only so you can go and collect your car. Usually this will be a one way rail fare. Again, don’t expect to be able to sit in 1st class!

Euro Plus

Green Flag realise that many people travel in Europe a lot these days, and if you’re one of them you can take out the Euro Plus Policy. This means you will have complete breakdown insurance which includes everything you’ve read so far for 90 days while you’re in Europe. Beware though; your car does need to be less than 16 years old (for obvious reasons).

A Little Bit Extra

If you choose to go with one of the last two policies I’ve mentioned, you will get what Green Flag calls the “taste card”. This comes free for one year, and will give you the option to get great discounts at thousands of restaurants across the country. So, you can not only enjoy worry free travelling, you can also eat your way up and down the motorway!

Why Green Flag?

As I mentioned, they’re not the biggest insurer but after reading the extensive policies they have to offer on breakdown insurance, it’s easy to understand why they’re becoming tough competition. They have been awarded 5 stars (the highest) from Defaqto, and over 80% of current customers have told them they would give the roadside technicians 9 out of 10 for service.

You don’t have to take my word for it, visit the website today and see what others have had to say.



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