"Free" European Breakdown Cover
Discussion
Just been reading the AA and RAC's European Breakdown Policy documents.
Both their Annual Policies have an interesting "feature".
If you cancel the Policy within the cooling off period of 14 days, they will both refund in full. The AA mentions an administration charge if the departure date was before the cancellation date, but the RAC do not.
So, if you have a European Trip of less than 14 days it would appear that you can legimately cancel the policy EVEN if you have been abroad. As long as no claim has been made, then a full refund will be given.
Both their Annual Policies have an interesting "feature".
If you cancel the Policy within the cooling off period of 14 days, they will both refund in full. The AA mentions an administration charge if the departure date was before the cancellation date, but the RAC do not.
So, if you have a European Trip of less than 14 days it would appear that you can legimately cancel the policy EVEN if you have been abroad. As long as no claim has been made, then a full refund will be given.
Here is the AA T&C regarding this:
Cancellations
You have the right to cancel AA European Breakdown Cover policy and the Optional Parts
and Labour benefit within 14 days (‘the cooling off period’) commencing either from the
agreement of the contract (which is the renewal date when renewing Annual Multi Trip and
Annual Long Stay policies) or the receipt of the policy documents, whichever happens later.
The following refund policy will apply for cancellations within the cooling off period:
a) If You cancel during the cooling off period and before the stated departure date You will be
entitled to a full refund of Your premium.
b) If You cancel during the cooling off period, but on or after the stated departure date, You will:
i) If You have purchased a policy of more than one month’s duration, be entitled to a refund
of Your premium, less Our administration charge,
ii) If You have purchased a policy of less than one month’s duration, have no right to a refund.
If You wish to cancel after the cooling off period has expired, subject to any relevant statutory
rights You may have, We will not be obliged to give refunds for any unexpired portions of cover.
If You would like to cancel Your policy, please phone Us on 0844 209 0081 and return Your
policy documents to:
AA European Breakdown Cover
Lambert House
Cheadle
SK8 2DY
Cancellations
You have the right to cancel AA European Breakdown Cover policy and the Optional Parts
and Labour benefit within 14 days (‘the cooling off period’) commencing either from the
agreement of the contract (which is the renewal date when renewing Annual Multi Trip and
Annual Long Stay policies) or the receipt of the policy documents, whichever happens later.
The following refund policy will apply for cancellations within the cooling off period:
a) If You cancel during the cooling off period and before the stated departure date You will be
entitled to a full refund of Your premium.
b) If You cancel during the cooling off period, but on or after the stated departure date, You will:
i) If You have purchased a policy of more than one month’s duration, be entitled to a refund
of Your premium, less Our administration charge,
ii) If You have purchased a policy of less than one month’s duration, have no right to a refund.
If You wish to cancel after the cooling off period has expired, subject to any relevant statutory
rights You may have, We will not be obliged to give refunds for any unexpired portions of cover.
If You would like to cancel Your policy, please phone Us on 0844 209 0081 and return Your
policy documents to:
AA European Breakdown Cover
Lambert House
Cheadle
SK8 2DY
Here's the RAC T&Cs
Your right to cancel
1. Period of Cover less than 1 month
If Your Period of Cover is less than one
month’s duration no right of cancellation
will apply.
2. Period of Cover more than 1 month
You are entitled to cancel Your European
Breakdown Cover up to 14 days after the
day of purchase of the Policy or the day in
which You receive Your Policy
documentation.
a) If no claim has been made, a full refund
will be given.
b) If a claim has been made, no refund will
be provided.
3. Cancellations can be made by writing to the
following address:
RAC Motoring Services
Travel Administration
Great Park Road
Bradley Stoke
Bristol
BS32 4ZZ
4. For cancellations that are made after
14 days, no refunds will be given.
Your right to cancel
1. Period of Cover less than 1 month
If Your Period of Cover is less than one
month’s duration no right of cancellation
will apply.
2. Period of Cover more than 1 month
You are entitled to cancel Your European
Breakdown Cover up to 14 days after the
day of purchase of the Policy or the day in
which You receive Your Policy
documentation.
a) If no claim has been made, a full refund
will be given.
b) If a claim has been made, no refund will
be provided.
3. Cancellations can be made by writing to the
following address:
RAC Motoring Services
Travel Administration
Great Park Road
Bradley Stoke
Bristol
BS32 4ZZ
4. For cancellations that are made after
14 days, no refunds will be given.
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