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Green Flag - Breakdown cover silly questions - oldroverboy.

Just phoned up to advise of change of vehicle and now decided they want my date of birth and which days of the week i drive.

None of their business and told them I would not be renewing shortly.

told must have an answer for usage, so told lady to pick a number of days she wanted to and put that.

Edited by oldroverboy. on 02/02/2016 at 19:03

Green Flag - Breakdown cover silly questions - Engineer Andy

I suppose that it may make a difference in how busy they are if you drive (or not) at peak (callout-wise) times so maybe charge more for people who mainly drive at those times/days (just a guess). Date of birth - hopefully no more than just 'information' to prove you are over 18 for paying the bill by credit card?

The only other thing I can think of is maybe they have age/gender-related figures for the amount of breakdowns (who keeps their cars in better nick/is more sensible about driving in poor weather conditions [that may cause a breakdown]) or even who locks themselves out of their car more often. I thought the EU 'banned' gender-related profiling as regards general car insurance (not sure if that applies to all types of insurance, including breakdown cover), not sure if age is as well (personally I don't see the difference).

Anyway, when my RAC cover was due for renewal last month, they were going to charge me (including long NCD being applied) £92 (£20 more than last year) so I went to Green Flag's website and got a quote for just under £60 for the same level of cover - to be honest, I don't remember if they asked the sort of question about my driving days/times - I was more impressed by the low price. Needless to say I (somehow) managed to get the RAC to more than match the price, although if they can't next year I'll definitely change (questions or no) as they seem to have a better reputation than the RAC.

I personally wouldn't worry about the questions if they result in a cheaper quote than previous years and/or from other prvoiders. One set of questions (if I were them) I would be asking is about the car, its age, proof that's its been properly serviced in line with the manufacturer's guidance, etc. That makes more sense when deciding whether a policy a low or high risk, just as much as how much driving the owner does and when.

Green Flag - Breakdown cover silly questions - Avant

I don't mind giving my date of birth as it's probably needed for identification. But I agree that asking which days you drive is ridiculous: you pay your subscription to be covered 7 days a week, day and night. You don't want them assembling stats which will 'justify' them reducing their coverage at certain times.

Green Flag - Breakdown cover silly questions - Smileyman

Is the policy for the driver or the vehicle - if the driver then perhaps DOB will be relevant, if the vehicle then I really cannot see how the DOB would be needed.

I suppose you could have asked for Green Flag's data use policy, and data security record if they have one.

Green Flag - Breakdown cover silly questions - Bromptonaut

Like Avant says DoB is a key for identity. It filters every John Smith down to just those born on same day as you. Address closes the question.

Together with first line of address and postcode anybody should be able to reel it off pat pdq. Hesitation etc ight divert you into more omplex security questions - mother's name, first school or secret word.

Green Flag - Breakdown cover silly questions - Big John

I don't mind giving my date of birth as it's probably needed for identification.

I was a vitim of financial identity theft a few years ago and as part unpicking the mess (contacting Cifas, Experian, de-frauded companies etc...) I also had to contact the police. I was given a crime number and a lecture by a police officer for ever giving out my date of birth - at the end she said "OH can I take a few details" - I'll give you one guess as to what the next question was!

Green Flag - Breakdown cover silly questions - xtrailman

DOB and post code along with other data are regular questions asked, other wise anyone holding your green flag card could change the details completly to cover their car.? Asking re milage is also normal.

What days of the week you drive is a new one to me, seems a pointless question.

I change my car last Nov and GF didn't ask me that question. It was a very quick and easy change over.

Edited by xtrailman on 03/02/2016 at 09:28

Green Flag - Breakdown cover silly questions - skidpan

Call Aviva rescue. You don't have to be insurred through them, we are not currently.

We have what they call joint personal cover. It covers one car for whoever drives it and the named persons (me and the wife) for any car we are driving or passenger in.

2015 Nissan Note 1.2 DIG-S is the named car, cover is £54 a year for rescue, recovery, at home and onward travel.

Have used it in the past a couple of times. RAC turns up, in both cases within 1 hour at peak time (5.00 pm).

Expect usual question when getting a quote, like any insurance business they base the quote on risk and need your details for that.

Green Flag - Breakdown cover silly questions - Big John

Re Breakdown cover:-

I've used GEM in the past - they were great when I broke down a few years ago - flat battery in a Punto

I've also used Autoaid, currently UK personal cover for both husband and spouse only £42

I now have joint European wide cover through my Nationwide Flex+ account

Green Flag - Breakdown cover silly questions - RT

I use Green Flag, as part of Caravan Club Mayday - twice now they've recovered my car after accidents (not restricted to breakdowns unlike others) and collected the caravan despite not being towed at time of incident.

On the one occasion the car suffered total failure, Green Flag arranged flatbed transport within the hour while RAC cover through the vehicle warranty would take 5 hours as they were "busy" but that would only be a patrol, a flatbed would then take even longer.

Green Flag - Breakdown cover silly questions - Ethan Edwards

Being contrary by nature. If I'm asked for dob and I don't think it's necessary then I always add a day or so.

Similarly if I'm asked my religion I always give a different one every time. Refuse to divulge eff nick origin etc.

Perhaps a bit silly but it's my hobby metaphorically sticking two fingers up at authority figures.

Green Flag - Breakdown cover silly questions - hillman

I was with the RAC for many years and even remember the patrol men saluting me as I went past on my dingy motorcycle and sidecar. In all those years I only used the road assistance once when the generator on the car failed. Then things changed, it was becoming more of a commercial business to the detriment on the motoring assistance side. I received many letters asking me to borrow money.

Then the insurance side became a problem. They undercharged me for something by £40 and I queried it with them. I received a letter assuring me that their valuation was correct so I paid. Then I received a demand for £40 underpaid. I wrote again referring them to their answer but a week later I received a demand that I pay up or the RAC would pass my debt on to a debt collection agency. I collected all of the RAC memorabilia including RAC box keys and worn out badges from the garage and the loft etc and posted it to the RAC along with a cheque for £40. They found out my work phone number and their PR lady asked to explain but I had cut them off.

I next joined the AA and was with then for the next ten or more years. I used the AA roadside assistance once too. Then my bank offered me a roadside assistance perk along with my bank account. I realised that the AA had been collecting my subscription by direct debit and I'd never looked at the bank statements. The figure had been rising year by year and was now in the mid 300s. A couple of years later the bank changed their provider from Green Flag to......RAC

Green Flag - Breakdown cover silly questions - sophiajones

Last year I paid £68 for the same cover for Sharp, so that’s an increase of more than 100%, which is ridiculous. “I phoned Sharp to try to get it reduced. They only offered to reduce it to £117. So I tried Green Flag, which quoted me £73.45 for the same cover. I wonder if other readers have had similar experiences?

Edited by Avant on 16/06/2018 at 17:41

Green Flag - Breakdown cover silly questions - Miniman777

In respect of how many days a week you drive, you are buying an insurance policy and I suspect it's related to high and low levels of risk dpending on whether you are working or retired. They are probably using complex algorythms to calculate premiums based on car/model/reliability/days of week drive/times driven.

Insurance Co's want their cake and more - plus wiggle room to back out of claim/service.

Green Flag - Breakdown cover silly questions - Big John

As mentioned above for me I'm still a fan of my joint Nationwide Flex Plus account

Costs £13 month or £156 /year

For that you get :-

  • 3% interest for up to £2500 - I keep a £2500 float in this account so get back over £6 / month - effectively reducing the costs to £7 / month
  • Comprehensive EUROPEAN wide break down cover for botth of us and my son drving one of our cars - which he tested after leaving the lights on on Christmas eve a couple of years ago. (Greenflag want £119.84 EACH for the same level of cover and yes you still have to put in your date of birth!)

"UK and European breakdown assistance for account holder(s) in any vehicle whether a driver or passenger, registered in the UK, that they are travelling in. Cover for anyone driving one UK registered vehicle registered to the account holder and which is being used with his/her permission. Where the account is in joint names then up to 2 vehicles can be covered

Assistance provided at home and at the roadside with national recovery and onward travel. No call out limit***.No excess to pay"

  • Mobile phone cover for the whole family (my son has tested this - er twice!)
  • Wordwide family travel insurance that works (even though we have the big C as a pre-existing condition for one of us)
  • Commission-free cash withdrawals abroad. Doesn't sound much but makes a big difference abroad using the flex plus car in a cashpoint, the exchange rate is the business rate of the day(not the poorer tourist rate) and no non-sterling cash fees or non-sterling transaction fees (with the number of times we go abroad this makes a big difference to us - over £60/year!)

Edited by Big John on 16/06/2018 at 11:25

Green Flag - Breakdown cover silly questions - gordonbennet

Just one word. Autoaid.

Green Flag - Breakdown cover silly questions - KB.

Just one word. Autoaid.

Tis a very short reply...

But he's right you know.

Covers us two and the two cars for £43 (it's gone up a pound).

Green Flag - Breakdown cover silly questions - gordonbennet
Covers us two and the two cars for £43 (it's gone up a pound).

And its full recovery, not just to the nearest garage.

Green Flag - Breakdown cover silly questions - Big John

Autoaid is good - infact it's probably what we'll get for our son soon. Ourselves we need breakdown cover in Europe as we drive over there a few times a year.

Green Flag - Breakdown cover silly questions - Chris M

£48.31 according to website (before any discount code if one can be found).

Edited by Chris M on 17/06/2018 at 17:05

Green Flag - Breakdown cover silly questions - KB.

It's gone up since I last looked (which was only a few weeks ago) ... but I'll live with £48 for a married couple and two cars including recovery and homestart.

Green Flag - Breakdown cover silly questions - gordonbennet

It's going up quite quickly then, was £39 only about 4 years ago.

Then it was a pay and claim basis which i expect helped most people who had problems to mitigate costs just in case the claim was rejected, now payment to the breakdown company is no longer required, which will make some people more blase about using the service shall we say generously.

Green Flag - Breakdown cover silly questions - KB.

True on all counts ... but it might, also, have something to do with it being taken on by new management in May 2016. Used to be Equity Red Star in Brentwood, Essex ... now RCIB in Romford ,Essex.

If I didn't renew with them every year I'd probably use my Tesco points to buy RAC cover. But at £48 I'll happily renew and continue to redeem the Tesco points at Bella Italia.

Green Flag - Breakdown cover silly questions - Chris M

Either way still underwritten in Lloyds.

Green Flag - Breakdown cover silly questions - focussed

We get it with car insurance over here in France - you have to opt out of it if you don't want it.

There isn't an AA or an RAC over here.

But it's only 20 km as standard if you want 0 km you pay extra.

I have no idea how it works, you get a card with a phone number on it.

Green Flag - Breakdown cover silly questions - argybargy

I'm one of those mugs still using the AA.

I stayed with them for two decades in order to get my 20 year badge, and stayed another ten years before realising you don't get one for 30 years.

In those 30 years I've probably called them out 3 times. The last time was when the immobiliser went doolally on my Primera, and I managed to sort out it before they arrived.

On my to do list since reading here about the much better alternatives is not to renew at the end of this year.

Green Flag - Breakdown cover silly questions - KB.

Have to admit - never before heard that as a reason to stay with the AA for, an amazing, THIRTY years. That's bordering on the incredible.

I too have been with my current breakdon firm a long time (AutoAid -34 years) - and I too haven't called them out very often (possibly three times but can only recall details of two call outs). But AutoAid were (and still are) so cheap you could have renewed with the loose change in your pocket. For some of that time they will have covered two cars and two drivers - except for periods when one was covered by the manufacturer.

I hope your REALLY chuffed with that twenty year badge ... it will have cost you dear! :-)

Edited by KB. on 19/06/2018 at 13:29