Use Cherished Insurance and taking your bus abroad? Read on...

Discussion in 'General Discussion' started by Baysearcher, Dec 18, 2012.

  1. Baysearcher

    Baysearcher [secret moderator]

    Right, I'm normally the first to recommend Cherished but this time they've got it wrong:
    I renewed my insurance last week, and whilst doing so checked the usual things; excess, mileage etc. I also asked for confirmation that their European breakdown cover includes re-patriation costs in the event of a breakdown abroad that cannot be fixed by a local mechanic. They confirmed this was the case, so I paid up and thought no more about it. I had the normal great service throughout the call.
    The paperwork came through on Monday, and as as I'm a bit cynical when it comes to insurance companies, I duly checked all the details.
    To say the wording regarding European breakdown is wooly is an understatement, so I phoned for clarification. Again it was confirmed to me that re-patriation WAS included. Not convinced they were right I read the relevant section of the policy to them, at which point they said they'd need to do some research. This morning they phoned back and stated that the breakdown cover provider (DAS who use AA) would not guarantee re-patriation but that they had followed this course of action in the past.... They won't put this in writing though, so basically I need to trust an insurance company. Really?

    Basically, if you rely on Cherished to recover your bus to the UK in the event of a breakdown abroad, they may, OR MAY NOT, cover the costs. (If they do it will be contrary to their own policy document wording). Something worth bearing in mind if you go abroad.

    The most disappointing thing about this is that Cherished are (mis?) selling an add-on that they don't fully understand.
     
  2. Thanks for taking the time to share that ... very interesting and hopefully they will work on this now so that there is a clear answer for customers
     
  3. Baysearcher

    Baysearcher [secret moderator]

    The clear answer is that we have to "trust them".
    A bit like being asked to trust a second hand car salesman or an estate agent.
     
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  5. hailfrank

    hailfrank Admin esq.

    Ill email their top person so it can be answered
     
  6. Baysearcher

    Baysearcher [secret moderator]

    Unless there has been a mistake and re-patriation is included (officially) I'm guessing they've mis?-sold hundreds if not thousands of policies...
     
  7. Now thats an eye opener thanks for sharing baysearcher
     
  8. Baysearcher

    Baysearcher [secret moderator]

    I told them I was going to post this thread. It'd be a nightmare if someone breaks down next summer and gets landed with a huge bill to get their bus home due to Cherished' mis?-selling.
    Hopefully they'll come on here and explain themselves.
     
  9. I just got a quote off of them today, although it was without any additions I have to agree that the service received was excellent.
     
  10. Zed

    Zed

    They told me same and I didn't even ask. I thought the extra £30 or whatever it was for breakdown cover, was a bit cheap to include Europe.
     
  11. The breakdown includes Europe??? They didn't tell me that???
     
  12. Baysearcher

    Baysearcher [secret moderator]

    It includes European breakdown cover but you only get re-patriation if you're lucky it seems.
     
  13. Wow, I'm covered with Cherished and I thought re-pat was part of their plan.

    Lets keep this thread tidy and wait their response.

    We'd better wait and listen to their story.
     
  14.  
  15. So they are saying repatriation isn't included but they MAY do it under goodwill. No complaints for the price really (if it's the £30 quoted), but they should be more clear about it. Try pricing up alternative breakdown cover and see if the deal stacks up - you're still within the cooling off period.
     
  16. Baysearcher

    Baysearcher [secret moderator]

    I'm not querying the price. I fully appreciate that it would be an extremely good price if it was as sold. The issue is they told me its included (twice) and have since confirmed that it isn't actually included but that they would probably repatriate. All I have to do is trust them.
    They will have sold these policies to Marmite loads of people who will be driving around Europe with a big surprise (possibly) waiting for them if they break down.
     
  17. Maybe recording the phone calls is the way forward!
     
  18. Baysearcher

    Baysearcher [secret moderator]

    They told me they record all calls and I've asked them not to delete them. They're not denying its what they sold, just saying they were possibly wrong. I'm by no means alone, at least 1 other person up there ^^^ confirmed they thought repatriation was covered.
     
  19. Can anyone recommend anything else then?
     
  20. i know this is neither vw or insurance related....but 2007 my better half did a charity motorbike ride around europe to raise money for a childrens cancer charity. 25 bikers in total...all took out r.a.c and a.a breakdown including cover europe, sadly one of the riders had an accident and found she couldn't ride her bike home as she had injured her foot....when she got in touch with r.a.c about getting her bike back into blighty, she was told if she paid half they would re-patriate her bike. in the end she flew home and a week later went back to france and rode her bike back...when you take out these policies whether it's insurance or otherwise, these companies should emphasise what is/not included in the policy..a lot of people put a lot of trust faith and money into these companies.
     

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