Red Pennant concern

I tend to agree with 'Surfer' on this. I understand the begining part as it insures against the spoiling/cancellation of the holiday, I also understand its main aim of continuation/returning to home if anything happens, but once I'm on UK soil my main use of it is finished and Mayday can take over by returning me home if I break down.

Not a big problem until your days away go from one price to the other because you have gone over the 31 days of the lower premium, to some its an important point and the Senior Duty Officer has not answered that adequately.

Bear with me Hazel

If however, you have a ferry that returns to the UK at 23.00 on the 1st June you would not be able to get home on the same day so your policy would have to be taken out until the 2nd June.

If the difference between 1st of June and the 2nd of June is £60 because he would go over the 31 days, so what if he finishes it on the 1st of June. He will have arrived in England irrespective if he can't get home until the 2nd, so he could use Mayday.

PS: If I'm missing something obvious, I won't be offended if you say I'm thick

Thanks Hazel, in that case it would not matter if it turned to being invalid as he would be on UK mainland and as such not needing Red Pennant any more (excepting maybe a house problem), Mayday if needed would do the business of getting him home.

Nice one Hazel it's now sunk in. Obviously in the event of a claim whilst abroad the insurers would look to see if 'he' could have gotten home in the time/date ending of the policy after landing in the Uk, and if not it could be void. Thanks for your time

Hi Dave

Sorry, but not as simple as that (insurance never is! )

If the person was overseas and made a claim (on the 28th May) the policy could be be deemed invalid because the policy is not  home to home.

Is it a stipulation that you need a return ferry booking. If not how could they say your policy was not home to home if it expired on the 1st June. It does not take 3 days for us to get back from northern France. The above person could have been going to make a booking on the 30th and would have been home easily by the 1st.

Thanks Hazel, I await comments on my earlier post with interest.

Hi Dave

If that is the case then the policy could be in-valid because it is not home to home cover. You would have to be able to make it home on the day that the policy finishes. So options would be: take the 45 day cover, or change the ferry date or time so that
the policy can cover you until you get home.

Forgive me for not understanding the comment above, but if you have been to the continent and have returned to UK soil without having tor use the cover, how can the policy then be made invalid if you take an extra day to return to your home as you have already
had cover by the policy cover? If think that someone may need to rephrase the wording of the answer supplied by RP?

As the policy has been invalidated by RP, does this then mean you are entitled to a refund?  In our case we return to British soil on the 31st day at 6pm but cannot travel up to the West Midlands on the same day.  As we are booked into a CC club and have
Mayday cover so no need to claim on RP anyway.

 

As I said earlier in the thread and Hazel has verified this, you could if you wanted make it home on the same day as you land in the UK, therefore you will be OK. The fact that you choose to go to a Clib site for the night is irrelevant
in your case, as it was in mine.

Hi Dave

Sorry, but not as simple as that (insurance never is! )

If the person was overseas and made a claim (on the 28th May) the policy could be be deemed invalid because the policy is not  home to home.

How on earth would you know that it is not home to home if the person is still on the continent and has the breakdown but does not tell you that when they return to the UK within the 31 days they may be touring?

I am not very happy to pay an additional £60 because we take our safety and the safety of others into account and do not want to travel a long distance on our return. We have an annual multi trip RP cover with the longest stay of 31 days.

Home is an ambigious statement as when you are travelling overseas, the word "home" is used the describe the whole of the UK and not your house.  If talking to a foreigner there is no point in referring to your house in town X as they probably will not know where town X is located so the word home is used to refer to the whole of the UK.

Surfer you will be covered as you could get home if you were going straight home.  

I'm just as frustrated as you trying to sort a differant problem out with the RP team,(who are not responding) the wording is very ambiguous as to whether my trailer will be covered, I think it will be as its part of the unit but it doesn't SAY so, so like you I want to be absolutly certain and not have to start trying to sort something out when I'm at the roadside in a foreign country. 

Edit, the scooter that goes on the trailer is covered in full by RP, I don't need it as I have seperate full uk and overseas breakdown cover, I just want to know if the tailer wheel bearing seized then they would recover the trailer to a garage to get it fixed. Simple

I suppose I can see a certain logic in there insistence you cover for enough time to get to and from the ferry. After all they did give me a discount for having Mayday. Presumably because you are double covered while in this country. However, outside of
that it should be none of there concern if you choose to spend several weeks touring in this country before or after. 

Morning all

Please see below a reply from the Senior Duty Offer of Red Pennant:

Yes, it can cost an extra few pounds to insure those extra days for touring around and seeing family, but it could jeopardise your whole holiday.  Imagine you have decided to cover from when you leave the UK, (having allowed enough time to get to the
port if you were travelling directly from home), and whilst you are visiting one of your relatives the gear box goes and cannot be repaired for two weeks.  Without the cover, you will have to rely on your Mayday (or whichever cover you have taken) to get you
home and you then lose your whole holiday, or you wait and have it repaired but have to pay expensive ferry amendment fees.

When considering the pre-departure cover, please note that this is 14 days from your planned day of departure from home.

 

 

Hazel........this is the bit I really do not understand.

If my outfit is covered by this pre-departure cover, why does it matter where I am in the 14 days before my full cover begins?

For example, we are taking a ferry on the 25th, it would take us 1 or possibly 2 days to drive from Glasgow to Dover, say we allow 2 days.  So we start our RP on the 23rd.

Our pre-departure 14 day cover therefor starts on the 9th.  Should we have a car problem between the 9th and the 23rd, the problem will be the same whether we are in still in Glasgow, or staying on a site on our way to the ferry.

If the car could not be fixed in time for us to reach Dover in time for the ferry, the result will still be a missed ferry.

If we had sites abroad booked, we still would be late in arriving, or have to cancel them.  (we do not actually have sites booked as it happens).

Just a word of caution to all motorhomers who tow a trailer, please be aware that the trailer is not covered in its own right under breakdown cover.

To explain that a bit further, when towing if the motorhome breaks down then yes the WHOLE combination will be recovered.

If its the trailer that suffers a problem when towing then NO.

If you are towing a small car on a trailer, if the car breaks down when you are out for the day, they will recover the car back to the campsite under secondary vehicle cover, you are then responsible to load it on the trailer and either
take it for repair (at own cost) or transport it back home with you.

The same cover as above (secondary vehicle cover) isn't available for a motorbike/scooter/trike on a trailer, if you travel with any on these you have to have seperate breakdown cover for them, should you breakdown independantly from the
motorhome. 

Hope this information helps others.

Morning all

Kjellnn, I have forwarded on your question to the Duty manager and will post her reply as soon as I receive it. She will answer the question from SteveL.

The duty manager is currently on holiday, and has confirmed she will answer both questions as soon as she can.

sorry to nit pick but how can she be 'Duty Manager' AND be on holiday, she is either on Holiday or on Duty not both.