Thats the measure of insurance. It ONLY matters when you need it. I can remember travelling in S Spain and our Vito 108d ( a paltry 82bhp of real engine) lost its clutch about 15miles from where they were originally produced. Typical!!... cover at the time had us in a big people carrier in two hours and the van into the Merc repair shop for a week. We took full advantage of the new vehicle sleeping in it and travelling far and wide. The day we came to give it back and collect the van i copped a 700euro!
The guys at Aplan have our insurance on our VW van, a 2011 T5.1 and yesterday insured us for European and UK breakdown for a year for about £42. That will give us replacement vehicle, repatriation, hotels , and curbside help and assistance etc... Im already a AA Silver member but they wanted £100 for the two week trip.
In my experience the insurance is only as good as the kind, supportive help you need when you are up the creek without a paddle. Somewhere on here someone said wisely that a deep breath and the manner of your responses to actions outside your control is as much a help as an expensive policy.
A big shout out to the people on here who take the time and energy to provide useful information. We are SO looking forward to a few weeks away from the UK. Landes ere we come....