can anyone explain why they are both insuance based ?

On Wednesday, February 22, 2023 at 3:21:18 PM UTC, Jim gm4dhj ... wrote:
> can anyone explain why they are both insuance based ?

Because they were purchased by insurance companies and have gone hill fast since covering less and less things.

On 22/02/2023 15:21, Jim gm4dhj ... wrote:

> can anyone explain why they are both insurance based ?

They make more money because people don't know the actual likelihood of
a breakdown.

I was with the AA for 29 years, privately and through my employer. I
called them out precisely twice. If they had just charged for each
breakdown, I would have saved a fortune. (Though perhaps I was just lucky.)

--
Max Demian

Max Demian <max_demian@bigfoot.com> wrote:
> On 22/02/2023 15:21, Jim gm4dhj ... wrote:
>
> > can anyone explain why they are both insurance based ?
>
> They make more money because people don't know the actual likelihood of
> a breakdown.
>
> I was with the AA for 29 years, privately and through my employer. I
> called them out precisely twice. If they had just charged for each
> breakdown, I would have saved a fortune. (Though perhaps I was just lucky.)

It can be done:
https://www.nationalbreakdown.co.uk/pay-as-you-go
(AA or RAC did offer it at one time)

I asked a local recovery firm what their rates are: £90 per callout. But
of course the chances are you're going to be somewhere not local when you
break down, so you really need a service that puts you in touch with the
nearest 24h recovery firm to make true PAYG work.

Theo

On Thu, 23 Feb 2023 04:28:56 +1100, Max Demian <max_demian@bigfoot.com>
wrote:

> On 22/02/2023 15:21, Jim gm4dhj ... wrote:
>
>> can anyone explain why they are both insurance based ?
>
> They make more money because people don't know the actual likelihood of
> a breakdown.
>
> I was with the AA for 29 years, privately and through my employer. I
> called them out precisely twice. If they had just charged for each
> breakdown, I would have saved a fortune.

> (Though perhaps I was just lucky.)

Nope, since the war, cars dont break down very often at all
and we don't need someone else to change a flat tire.

On 22/02/2023 15:21, Jim gm4dhj ... wrote:
> can anyone explain why they are both insuance based ?

Jim, I need after-sales service on your Advent notebook
because the CMOS clock battery has failed! :-)

On 22/02/2023 21:19, gareth evans wrote:
> On 22/02/2023 15:21, Jim gm4dhj ... wrote:
>> can anyone explain why they are both insuance based ?
>
> Jim, I need after-sales service on your Advent notebook
> because the CMOS clock battery has failed!  :-)
>
I destroyed a lap top trying to replace a cr2032 be careful.......

Is this not the same for all kinds of insurance and cover though? Back in
the day of VCRs, part of the price was for 6 month service visits including
heads. After a while as machines became more rreliable, it went yearly, then
not at all, there was also an extra charge inf the head went for some.
I used to change my own on the Philips machines as they were basically drop
in replacements. However the more complex trick play machines needed half
the machine to be taken apart to change the video heads and then aligned
again afterwards.
Brian

--

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Blind user, so no pictures please
Note this Signature is meaningless.!
"Max Demian" <max_demian@bigfoot.com> wrote in message
news:tt5jcn$1ihuo$2@dont-email.me...
> On 22/02/2023 15:21, Jim gm4dhj ... wrote:
>
>> can anyone explain why they are both insurance based ?
>
> They make more money because people don't know the actual likelihood of a
> breakdown.
>
> I was with the AA for 29 years, privately and through my employer. I
> called them out precisely twice. If they had just charged for each
> breakdown, I would have saved a fortune. (Though perhaps I was just
> lucky.)
>
> --
> Max Demian
>
>

On Thursday, February 23, 2023 at 8:56:36 AM UTC, Brian Gaff wrote:
> Is this not the same for all kinds of insurance and cover though? Back in
> the day of VCRs, part of the price was for 6 month service visits including
> heads. After a while as machines became more rreliable, it went yearly, then
> not at all, there was also an extra charge inf the head went for some.
> I used to change my own on the Philips machines as they were basically drop
> in replacements. However the more complex trick play machines needed half
> the machine to be taken apart to change the video heads and then aligned
> again afterwards.
> Brian
>
> --
>
> --:
> This newsgroup posting comes to you directly from...
> The Sofa of Brian Gaff...
> bri...@blueyonder.co.uk
> Blind user, so no pictures please
> Note this Signature is meaningless.!
> "Max Demian" <max_d...@bigfoot.com> wrote in message
> news:tt5jcn$1ihuo$2...@dont-email.me...
> > On 22/02/2023 15:21, Jim gm4dhj ... wrote:
> >
> >> can anyone explain why they are both insurance based ?
> >
> > They make more money because people don't know the actual likelihood of a
> > breakdown.
> >
> > I was with the AA for 29 years, privately and through my employer. I
> > called them out precisely twice. If they had just charged for each
> > breakdown, I would have saved a fortune. (Though perhaps I was just
> > lucky.)
> >
> > --
> > Max Demian
> >
> >

To me product insurance is akin to horse race gambling. The bookie (insurance company) knows more about it than you and the odds ae set accordingly

On 22/02/2023 20:17, Theo wrote:
> Max Demian <max_demian@bigfoot.com> wrote:
>> On 22/02/2023 15:21, Jim gm4dhj ... wrote:
>>
>>> can anyone explain why they are both insurance based ?
>>
>> They make more money because people don't know the actual likelihood of
>> a breakdown.
>>
>> I was with the AA for 29 years, privately and through my employer. I
>> called them out precisely twice. If they had just charged for each
>> breakdown, I would have saved a fortune. (Though perhaps I was just lucky.)
>
> It can be done:
> https://www.nationalbreakdown.co.uk/pay-as-you-go
> (AA or RAC did offer it at one time)
>
> I asked a local recovery firm what their rates are: £90 per callout. But
> of course the chances are you're going to be somewhere not local when you
> break down, so you really need a service that puts you in touch with the
> nearest 24h recovery firm to make true PAYG work.
>
> Theo

As I regularly do 250 mile journeys I use Rescue my Car which last year
on a 4 year old Ford Focus cost £20. The first time I call them out I
will then have to first pay them the (compulsory) £40 excess fee. This
is for the rescue to home if the car cannot be fixed service.

Rates may have changed and it may depend on the age and type of car

https://www.rescuemycar.com/

They will not come out for a second time for the same fault unless you
have had the car repaired by a garage etc. There are other T&C that you
may like to read before committing to the service.

They will call out a local (to your breakdown) garage to come out to you.
I had to use the service to recover to my home and they can be a bit
slow turning up - but I was in the middle of no-where in Wales :)

For many years I paid the equivalent of the £20 just for piece of mind
and not had to pay the excess because I've not had to use the service.

--
mailto : news {at} admac {dot} myzen {dot} co {dot} uk

alan_m <junk@admac.myzen.co.uk> wrote:
> As I regularly do 250 mile journeys I use Rescue my Car which last year
> on a 4 year old Ford Focus cost £20. The first time I call them out I
> will then have to first pay them the (compulsory) £40 excess fee. This
> is for the rescue to home if the car cannot be fixed service.
>
> Rates may have changed and it may depend on the age and type of car
>
> https://www.rescuemycar.com/

Interesting, I hadn't seen them. They aren't so competitive if you have an
older car (£45 for basic cover).

> They will not come out for a second time for the same fault unless you
> have had the car repaired by a garage etc. There are other T&C that you
> may like to read before committing to the service.
>
> They will call out a local (to your breakdown) garage to come out to you.
> I had to use the service to recover to my home and they can be a bit
> slow turning up - but I was in the middle of no-where in Wales :)
>
> For many years I paid the equivalent of the £20 just for piece of mind
> and not had to pay the excess because I've not had to use the service.

If you play the introductory offers / cashbacks / etc, you can typically get
basic breakdown cover for about £30. May be some combination of single car,
single driver, only away from home, only tow to the nearest garage, no
onward transport. But that's roughly what you'd get from a PAYG deal
anyway.

Where it gets complicated is if you have multiple people and multiple cars,
you end up paying for either a multiple of the number of cars or the number
of people. Even though, in real life, they may not spend any more time on
the road.

Theo

On 23/02/2023 07:07, jim.gm4dhj wrote:
> On 22/02/2023 21:19, gareth evans wrote:
>> On 22/02/2023 15:21, Jim gm4dhj ... wrote:
>>> can anyone explain why they are both insuance based ?
>>
>> Jim, I need after-sales service on your Advent notebook
>> because the CMOS clock battery has failed! :-)
>>
> I destroyed a lap top trying to replace a cr2032 be careful.......

Well, I've got Earth straps to hand.

Only problem is that the Earth Mat is connected directly
to the mains Earth (TT installation not PME) and not
through a 100kOhm resistor.

In message <tt73bf$1qaek$1@dont-email.me>, jim.gm4dhj
<kinvig.netta@ntlworld.com> writes
>On 22/02/2023 21:19, gareth evans wrote:
>> On 22/02/2023 15:21, Jim gm4dhj ... wrote:
>>> can anyone explain why they are both insuance based ?
>> Jim, I need after-sales service on your Advent notebook
>> because the CMOS clock battery has failed!  :-)
>>
>I destroyed a lap top trying to replace a cr2032 be careful.......

They can be pretty fiddly. When replacing CR2032s in my old clunker
tower PCs, I've used a strip of sticky tape (eg duck tape) to hold them
while I guide them into the socket.
--
Ian