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The Norfolk Broads Forum / Broads Boat Owners Q & A / Nav and Gen Insurance inc Breakdown
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Posted By Discussion Topic: Nav and Gen Insurance inc Breakdown

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jrskip
Sep-06-2021 @ 10:32 AM                           Permalink
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Hi

Our insurance is due and I see N&G offer free breakdown cover (call out fee applies) which sounds tempting.

Does anyone have experience of using the breakdown service with N&G please and what are your experiences if so and who has actually turned up to do the work?

Thanks

Karen&Mike
Sep-06-2021 @ 11:13 AM                           Permalink
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Karen&Mike
          

We are with Navigators & General, and always have been. They are very good and on the one occasion we needed to claim, the service was absolutely spot on.

However, the "free" breakdown cover is not quite as good as it seems in terms of what's actually on offer. Basically, you and your vessel are automatically registered as a "member" of the scheme with the breakdown company RCR ( River & Canal Rescue) but that's about it. There are call out charges ( as mentioned above) and costs for any work carried out, payable at the time. All the cover really gives you is access to a 24/7 all year service.

For an extra £60 per year you can have a "home-start"  service and 2 free call outs per year, and I think the cover at this point also then extends to anyone other than the policyholder using the vessel.

Well this is all my understanding of it.

From the paperwork we have it seems that RCR themselves cover all rivers and canals throughout the UK so I assume they are the ones who attend. There is nothing to indicate the work is sub-contracted out but I can't say I've ever seen an RCR vehicle or boat in attendance on The Broads.  This alliance with Navigators & General is very recent though. Not sure which other insurers they may work with.

Karen

"Wind up the elastic band Karen - we're setting off!!"

Cambridgecabby2
Sep-06-2021 @ 11:26 AM                           Permalink
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We have always bitten the bullet and taken out breakdown insurance through Boulters , this year with NCD is was £108 which to us is worth it for the peace of mind and dealing with somebody we know

Dzign
Sep-06-2021 @ 6:12 PM                           Permalink
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I tried to use it once, it was pathetic they could not access my location and repeatedly asked for a "bridge no" or an adjacent road, it seems to only be of use if you are on a canal system, try giving just upstream of Wroxham Broad to a girl sat in an office who has not got a clue what you are talking about, they can't access you unless you are close to a road, they have vans not boats I'm afraid.

L

Karen&Mike
Sep-06-2021 @ 6:30 PM                           Permalink
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Ah, interesting - you've confirmed my suspicions Dzign.

Glad we didn't decide to add the payable service to our policy then!

Thanks, Karen

"Wind up the elastic band Karen - we're setting off!!"

jrskip
Sep-06-2021 @ 10:21 PM                           Permalink
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Thanks for your comments.

It seems the breakdown cover isn't much use then. Think we will stay as we are and take cover out with Boulters.

jrskip
Sep-13-2021 @ 2:09 PM                           Permalink
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Just to follow on, not that I doubted Dzign but I just rang to enquire and indeed unless accessible by road they can't attend. Not much use relying on that then, I mean what use is that?
Will contact Boulters (and insure cheaper elsewhere).


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