European car AND caravan recovery

[CrewOVtwo]

Hi. I've just received two quotes for my caravan insurance for when we pick it up on Monday.
Both quotes include European recovery for the caravan, but not for the car.
Does anyone have any recommendations for a company that covers both, as id rather have one phone call to make rather than two, if or when the need arises.

Thank you once again.

 

[otherclive]

Hi. I've just received two quotes for my caravan insurance for when we pick it up on Monday.
Both quotes include European recovery for the caravan, but not for the car.
Does anyone have any recommendations for a company that covers both, as id rather have one phone call to make rather than two, if or when the need arises.

Thank you once again.

Both the Clubs look after the car and caravan and from experience they are good when required. But the policy is Europe for specified visits. For UK they will recover car and van via their breakdown policies but car and van are insured separately and do not have to be the same insurer.

 

[Andy Norfolk]

We use GEM for both our cars and the caravan. If you go to Europe you have to buy an add on policy. We've called out GEM once for a caravan tyre in the UK and they were very good.

 

[Buckman]

We have always used the CAMC Red Pennant policy. We only had to claim once and service was excellent.

 

[Challenger]

We have always used the CAMC Red Pennant policy. We only had to claim once and service was excellent.

Not only does that cover both vehicles, but it covers health related incidents as well !

 

[Buckman]

Not only does that cover both vehicles, but it covers health related incidents as well !

Yep you are covered from the time you take out the policy and if on the day of travel you fall ill, you are reimbursed if you are not able to take the trip.

 

[otherclive]

Not only does that cover both vehicles, but it covers health related incidents as well !

Do you now have to take out the Red Pennant medical insurance alongside the breakdown and recovery insurance. I used to use the Red Pennant medical travel insurance on its own when we took trips abroad without the caravan. Some with the car, others not with the car.

 

[Challenger]

Do you now have to take out the Red Pennant medical insurance alongside the breakdown and recovery insurance. I used to use the Red Pennant medical travel insurance on its own when we took trips abroad without the caravan. Some with the car, others not with the car.

The Red Pennant cover that I have used always included personal medical cover - https://www.caravanclub.co.uk/insurance/overseas-holiday-insurance/

 

[otherclive]

The Red Pennant cover that I have used always included personal medical cover - https://www.caravanclub.co.uk/insurance/overseas-holiday-insurance/

Yes but from your link it shows that you can have Motoring, Personal or Motoring and Personal.. Which is basically what I said in #7

 

[Buckman]

Basically RP does not cover medical issues i.e. admission to a hospital for a broken arm etc

 

[otherclive]

Basically RP does not cover medical issues i.e. admission to a hospital for a broken arm etc

Yes it does. Look at the policy terms and conditions for the Personal element. It provides £10m against medical emergencies and also repatriation expenses too. If it didn’t cover medical issues then why are the questions relating to the cover extensive and no different to those asked by another travel insurance provider?

 

[Buckman]

Yes it does. Look at the policy terms and conditions for the Personal element. It provides £10m against medical emergencies and also repatriation expenses too. If it didn’t cover medical issues then why are the questions relating to the cover extensive and no different to those asked by another travel insurance provider?


View attachment 7873

I am still not sure about what the medical expenses actually covers as it seems a bit ambiguous. Otherwise why not take out the RP cover and go on holiday to France to have an operation?

 

[otherclive]

I am still not sure about what the medical expenses actually covers as it seems a bit ambiguous. Otherwise why not take out the RP cover and go on holiday to France to have an operation?

Because like most travel/medical insurance policies you have to declare any existing conditions . So your suggestion is a non starter.

 

[Buckman]

Because like most travel/medical insurance policies you have to declare any existing conditions . So your suggestion is a non starter.

If so why should we bother with the EHIC card?

 

[Challenger]

'Medical Emergency' is clear.

noun: medical emergency; plural noun: medical emergencies

1. a serious and unexpected situation involving illness or injury and requiring immediate action.
   

 

[Buckman]

'Medical Emergency' is clear.

noun: medical emergency; plural noun: medical emergencies

1. a serious and unexpected situation involving illness or injury and requiring immediate action.

Okay thanks so having the EHIC card is pointless if you have RP cover?

 

[Challenger]

Okay thanks so having the EHIC card is pointless if you have RP cover?

Most insurers ( not sure about RP) will require that you have one. However, without it, you will be sure to be asked for an imprint of your credit card.....

 

[otherclive]

Okay thanks so having the EHIC card is pointless if you have RP cover?

No the card doesn’t give comprehensive cover. Like if you fall and break your pelvis the French hospital would operate but as far as repatriation is concerned you are on your own. Haven’t you ever looked at the differences when going abroad into Europe.

 

[otherclive]

Most insurers ( not sure about RP) will require that you have one. However, without it, you will be sure to be asked for an imprint of your credit card.....

Insurers ask you to use the EH1C were appropriate but it’s only applicable at state medical services or in country dental surgeries. If there’s no nearby state facility then using an independent fee paying hospital requires insurance or a good balance on your credit card. A Times columnist broke her back whilst on holiday in France. The EHic. covered her immediate care, but as she was paralysed the cost of the medical aircraft was very expensive. A nhs ambulance picked her up on landing. But of course she then had to rely on nhs services for her recovery. No funding for extra physio etc.

I have no sympathy for those who suffer accidents or medical emergencies when abroad and aren’t covered. Family members asking why the Government (IE Taxpayers) doesn’t repatriate them. Go and try a loan, credit cards or Crowdfunding. .

 

[otherclive]

Here’s an example of where a British holiday maker suffers a medical condition in an EU country but has to self fund their return home as a medical repatriation patient as she did not have travel insurance and an EH1C /GH1C doesn’t cover that situation.

There’s also today a article about a British girl on holiday in Turkey where a para glider out of control landed on her and she received very serious injuries which will require expensive operations even before she can be repatriated. EH1C or new GB equivalent isn’t valid and mum hadn’t taken out travel insurance and hence let her daughter down.

Staffordshire family appeal for help to pay £40k medical flight

Mother-of-four Lavelle Crutchley suffered liver failure while on holiday in Fuerteventura in April.

www.bbc.co.uk