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On our way home after a very enjoyable tour around the Rhine and Mosel in our Hobby 700, we were parked in a motorway aire having breakfast when we were hit by an unmanned 16 wheel HGV.
The driver went in to pay for his diesel and had not applied the handbrake when his lorry decided to trundle down the hill and smash into our van.
A rather traumatic experience indeed but not as traumatic as us discovering our insurance company would only arrange to bring the M/H back to the UK but not us.
Our European breakdown cover (ADAC) would only pay 200 euros towards any recovery and the bill to take the M/H from the aire to the local recovery depot was over 2000 euros !
We thought we had every aspect of every possible incident covered but this episode proves how wrong we were.
The reason for this post is to ask other members if they can recommend a good insurance company that provides comprehensive repatriation from Europe of both M/H and occupants in the event of an accident/breakdown.
Can't help with your question specifically, but don't forget to make a detailed note of all your uninsured expenditure, including receipts, to reclaim the total from the insurers of the lorry.
My experience of dealing with foreign insurers where their vehicle is to blame has been very positive, not like the UK insurers who generally try to make things as difficult as possible.
sorry to hear of your accident & of the problems with ADAC
I too am a member & have been concerned for some time about this 200Euro limit , but other people on this forum have been repatriated from Europe back to the UK and the costs have all been covered by ADAC though maybe these were breakdowns not accidents ?
can I ask what level of ADAC cover you have ?
Standard or PLUS?
did ADAC advise that you would bot be covered as this was an accident ?
my 2nd choice for cover at the time was with Britannia Rescue via the CSMA club-
Ooophs looks like I have misread your post - as your van was repatriated by ADAC at a cost of 2000Euros? but they would not assist in you getting home ?
DRAT and again
the insurance company brought your van back but not you & ADAC the breakdown company were useless and wouldn't do anything ????? is that right ?
Last edited by trek on Thu Nov 03, 2011 6:30 pm; edited 2 times in total
Sorry to hear of your trouble. When anything goes wrong one can only think "It could have been worse!"
I will look forward to your replies, for an elderly motorhoming Uncle recently had to renew his insurance. He queried repatriation if he couldn't drive, he got passed from pillar to post and in the process certainly has me confused, let alone him, over which insurance covers what between personal travel, motorhome vehicle and breakdown insurance under various assistance scenarios.
We need an MHF table to clarify!
Dave
PS I went to "watch" this topic and after scanning and staring at the MHF forum page, I see zillions of icons but couldn't spot one for watched topic. Hey ho. No wonder I like KISS applied to websites.
Dave
PS I went to "watch" this topic and after scanning and staring at the MHF forum page, I see zillions of icons but couldn't spot one for watched topic. Hey ho. No wonder I like KISS applied to websites.
It's at the very bottom of the page, Dave, click on the line of text, not an icon.
Hi Trek,
"the insurance company brought your van back but not you & ADAC the breakdown company were useless and wouldn't do anything ????? is that right ?"
Pretty much.
The first day they said they would get the MH home, but the next day they said they could only pay 200 Euros towards it. It's very difficult dealing with ADAC over the phone when you are not fluent in German or French and the recovery company only speak French.
We have ADAC plus cover, taken out having read good reports about it on this forum, but again the small print is impossible to understand as it's in German, unless it's translated for you.
I guess in hindsight we were naive to think it would be ok and plain sailing should we need to call upon them for assistance. Perhaps the limit was because it wasn't a breakdown but an accident!! Who knows.
Thanks Javea for your advise which we are following. Unfortunately it was a British truck, so we may still have a fight, although the driver was very apologetic, which I guess means he has accepted the blame.
Hi mixyblob! That's a bit of a bummer!! First the accident, then the recovery, or lack there of...
When we went to France in June, we took out personal and motorhome insurance through the Caravan Club. The scheme is called Red Pennant. It cost us £143 for 4 weeks, with cancer excluded. And boy, didn't we need it?! When we blew a head gasket, the whole scheme worked a treat, helping us to stay on holiday, before flying AuntieSandra and me home and picking up the motorhome. It could not have worked better.
Next time we go abroad, Red Pennant Insurance will be first on the list of holiday expenditure.
______________________________________________________________ ........... Best wishes from UncleNorm x
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Let´s keep fighting with Mavis, Ray and all those in need!!
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Let´s keep fighting with Mavis, Ray and all those in need!! 
