Review: 2Gether Breakdown Cover
By
Ronny Lavie
2Gether Insurance is a specialist insurance company founded in 2003. It offers niche insurance policies, such as for kit cars and horseboxes. Its breakdown policies are only available via price comparison sites.
Find out if 2Gether is included in our guide to the best breakdown providers.
Overview of the cover provided by 2Gether Breakdown Insurance
2Gether offers three policies, Economy, Full UK and Full UK & EU. It also has misfuelling and excess protection add-ons.
Economy only features roadside assistance, which is valid if you break down more than a mile from your home. Roadside assistance covers up to 6 callouts unless you select unlimited callouts when purchasing.
If your vehicle cannot be fixed at the roadside, 2Gether can tow your car and take you and up to 4 passengers to the nearest garage.
The maximum claim per callout is £1,500 or the maximum value of your vehicle, whichever is lower.
Full UK covers roadside assistance, homestart and onward travel. Homestart covers you if your vehicle breaks down within a mile of your home. Like roadside assistance, it will cover up to £1,500 of repairs and if the mechanic cannot make repairs at the roadside it allows you to choose which garage it is taken to within a 25-mile radius.
2Gether's policy document is slightly confusing in that it says homestart covers breakdowns up to a mile from your home, however, in its exclusions it says it won't cover 'any breakdown which occurs more than 1/4 mile from your home'.
It also excludes labour charges if it takes more than an hour to fix your vehicle, the cost of parts needed as part of the repair and claims relating to broken glass.
Onward travel applies to you and up to 4 passengers. If your vehicle can't be repaired on the same day 2Gether has three options, although the expenses it will cover are limited. It will cover the cost of second-class rail travel home, a night in a hotel if you're over 25 miles from home with a limit of £40 per person or £200 for all 5 people, or the cost of a hire car for one day up to £50.
In comparison, RAC offers £150 per person or £500 for the whole party for train tickets or a hotel. RAC does not give a limit on the cost of a hire, although if you are under 21 it will reimburse you up to £35 a day if you have to hire a car yourself.
2Gether's Full UK & EU extends roadside assistance cover to Europe for trips of up to 30 consecutive days and 90 days in total during the policy year. Onward travel has the similar limits to the UK version of the policy, up to £50 a day for a hire (total limit of £350) and £40 per person a day for accommodation (£600 total limit).
In March 2017, 2Gether briefly stopped offering breakdown cover while it changed underwriters. It is now underwritten by Astrenska.
How much does cover from 2Gether breakdown cover cost?
You'll need to use a price comparison site to find out how much your 2Gether policy will cost.
Remember, the cheapest policies are not always the best and may have lower limits on what you can claim for.
You can get quotes directly from companies listed in our guide to the best breakdown providers.
If you're also interested in car insurance, we've ranked the top 10 car insurance firms.
What do 2Gether breakdown insurance customer reviews say?
2Gether has an average Google review score of 4 out of 5 based on over 330 reviews. However, a few people have left questions on Google relating to its customer service, including some that say they cannot get through on the phone.
On Reviews.co.uk, 2Gether Insurance has a score 4.25 out of 5 stars from over 260 reviews. Many recent reviews have given it 5 stars relating to the price and purchase experience.
The company as a whole has a score of 4.5 out of 5 based on 1,599 reviews on Reviewcentre.com. However, all reviews from the past year have been 1 star.
On Trustpilot, its breakdown cover has a score of 1.8 out of 10 based on 25 reviews.
