Anonymous Customer wrote on 30-Aug-2018
This type of insurance is not worth purchasing. I can see that all the positive reviews are from people who have found "buying" insurance easy. They certainly make sure that it's easy to take your money. But as soon as you try to get help - they [now PEX Insure - a 3rd party provider] immediately say that you're not covered - even before they've asked you for your insurance policy number. I broke down yesterday in Southern France (well technically the car still runs - but the rear spring coil snapped - and technically in the UK, that would be an MOT failure (mechanical breakdown) - and would certainly invalidate any insurance if you continued to drive - knowing of the fault. On hearing of the initial clunk we thought it would be sensible to pull in at a garage (first mistake - invalidates cover). The garage we found isn't Audi, so they had to order parts - 2 days wait. Eversure weren't remotely interested in helping us get to the nearest audi garage - 40km (too far for the insurance cover), no hire car support, not even when we said we could cover our accommodation costs. So basically, I don't know what is covered with this type of insurance. So don't be lured by the "price". Go for something like the AA which understands and is at least helpful when you are actually in a crisis. Perhaps Eversure will only process a claim if you are totally stranded and they have to come and collect you (not sure if normal cars do give up the ghost like that). But I suspect that this insurance is only useful if you are having trouble changing a tyre. Caveat emptor still applies. Reviewers - please don't give it 5 stars for just taking your money.
Eversure Insurance wrote on 28-Nov
I'm really sorry that you suffered an issue when driving in France and that you felt the PEX Breakdown cover you had from us didn't provide the assistance you were expecting. Whilst I appreciate the situation must have been most stressful, it's true that the circumstances you describe would not have been met by this policy as it is designed to recover you to a garage local to where you've broken down. It isn't designed to relay a policy holder to another garage, and it will only respond to a vehicle that is completely immobilized. You're right, we do sell on a non-advised basis but we're always happy to take calls asking about the cover levels before a customer purchases. As with all insurance, it's really important to read the policy wording to make sure it meets your requirements.