road service

Problem is for sure if you dont find some one else and decide to stop paying it you know who will be there, Murphy for sure. We keep thinking of getting rid of it from both as vehicles due to the rising cost all the time but said to wife, the day you cancel it murphy's law will strike. We just got the insurance in for our prado, just on a grand now and noticed the excess had increased from last year an extra $50, ($650 now) will be ringing them tomorrow to find out why. Didnt bother to tell me just saw it there and no I have never had an at fault claim in 27 years so not impressed...............

Hi Stan

Don't you have to reside in the state the motoring organisation covers? I know you do with our RAC. When daughter went touring and working around Australia, and stayed in Cairns for a while, they refused cover as she was 'residing' out of the state and similarly when she returned to WA she had to change from RACQ to RAC of WA.

Meanwhile, you can compare prices on their websites which i have listed here:Motoring organisation websites

Motherhen

II gave up on motoring organisation break down insurance years ago, mostly because of a heavier vehicle that is not covered for towing (but they will still take your money). Waste of money. Read the fine print. When you need them most is when they don't help. Insurance companies are there to make a profit and this is insurance, but the total coverage value is trivial, unlike the value of the vehicle itself.
We still maintain a minimum basic cover for Margaret, so she might be driving the OKA if we need to use that.
I now have a nice kitty to use if we can't get ourselves mobile.

Cheers,
Peter
OKA196 Motorhome

Hi Stan,
We've been a member of the NRMA for nearly 25 year, in that time we have needed them 4 times. Last year just before we headed off for a month towing our Swan we decided to upgrade to the Premium care., first big trip, first towing a camper.
Didn't have a problem doing this, the benefits far out weigh the cost, even if something didn't go wrong , just peace of mind of knowing that our vehicle, camper and family would all find it's way home safely was enough.
Last April, a mate broke down not far from the QLD boarder(Woodenbong) and the NRMA came from Murwillumbah, loaded his 4WD and towed his camper all the way back to Western Sydney. Everything taken care of.
Pretty cheap compared to $170.
I understand that dollars are tight at times and every penny counts, sometimes we have to make savings elsewhere. And we too always look to see what value we receive for the money we fork out.
As others have said, the moment you drop it, you'll need it.
It's the 50/50/90 rule.
When you have a 50/50 choice, 90% of the time it will be wrong.
Happy & safe travels Stan.

We had RACV full cover when we did our trip and it saved us thousands. We had friends in Vic receive our mail so that meant we were residing in vic and just on holidays. They never questioned this at all. We got a hire car in SA for a week while our car had work done on it. In coffs harbour we had 3 weeks accom plus rental car for three weeks and a tow of about 80km for both car and trailer. In Cape Your we had a tow that would have cost us about $2500. All up I would say pretty cheap for what you get. I don't think any one else offers the same cover for the price. We always found the service from them excellent. Every time we called them, they organised everything. Friends of ours we at big red and her husband had a heart attack (and died). Racv flew her sister and husband up to be with her. They covered the flights and the flight home for her and her sister and paid for accom ect. for the husband to drive the car and van home. They also helped with getting the body home. Don't think it gets better than that.

Josh

Hang needed them since buying the 80 but the %10discount for gold membership on insurance nearly pays for itself

Have been a rac member for 25years great service once lost the alternater between Catherine and Darwin was checking the fuses when a ute pulled up and asked if I was a member he was the local agent didn't even have to ring him now thats service
Steve

Give DGA Insurance brokers a ring on 1800800471 they would beat anyone on price. They specialize in 4WD insurance

One remote recovery & you will be laughing, anybody that goes Outback without it is crazy.

Read the fine print , even Platinum cover with RACQ does not cover recovery costs if your on a non gazzetted rd out west.

On other forums there have been instances quoted of vans above a certain size being refused towing. Check the limits on vans that your organisation will tow. Last year the NRMA had a limit of 22' (which included the draw-bar and spare tyre.) Other organisations have similar limits for their premium care packages.

I have just renewed my NRMA membership and noted there is a major change. As we know there some severe limitations on the size of vans that all the motoring organisations place on towing as a result of road service. NRMA now has a new option.

Premium care covers towing of caravans up to 2 tonnes gross and 2.6 meters high. There is now a Premium Plus add on to Premium care that covers vans bigger than that (for an extra $122.) See http://www.mynrma.com.au/join/membership-types/renewal-add-ons/premium-plus.htm

Extract from there:

Bigger vehicles, bigger towing, bigger benefits

IIf you’ve ever been stranded with a broken-down caravan, motor home, or boat on a trailer, you know the inconvenience and expense of having a heavy vehicle towed out of trouble. With NRMA Premium Plus, you get the reassurance of total cover – plus alternative transport, a replacement vehicle, even accommodation if you need it.

Premium Plus provides access to up to $3,000 of major breakdown benefits.
Towing for heavy vehicles up to 10 tonnes GVM, plus secondary/towed vehicle.

Free towing for 50km in metro areas, 50km in country areas or back to attending CSC or 100km in remote areas.