AA breakdown insurance
Discussion
Good morning PH,
As bangernomic disciples will know, even the sturdiest of sheds will give up the ghost in some way at some point and present an often surprising bill.
The AA offered my breakdown insurance the other day. Wonderful, I thought; in the last 18 months my car's had a new clutch, rear brakes, half an exhaust etc etc, so £100 a year to prevent further triple-figure bills is a bargain.
Then I looked at the small print ( it's here, PDF) and the list of Stuff Not Covered is huge.
Worn clutches aren't covered, the exhaust system isn't covered, brakes are covered, but not "Brake discs, pads, drums and shoes", which would seem to be the entire brake system to my uneducated mind.
Most damningly the insurance excludes breakdowns caused by "wear and tear", which again to me would seem to describe the cause of virtually all breakdowns in the history of motoring.
So the question is: does anyone here have breakdown insurance (with any company), and if so, what do you think of it? Because from where I'm sitting it looks like a crock.
As bangernomic disciples will know, even the sturdiest of sheds will give up the ghost in some way at some point and present an often surprising bill.
The AA offered my breakdown insurance the other day. Wonderful, I thought; in the last 18 months my car's had a new clutch, rear brakes, half an exhaust etc etc, so £100 a year to prevent further triple-figure bills is a bargain.
Then I looked at the small print ( it's here, PDF) and the list of Stuff Not Covered is huge.
Worn clutches aren't covered, the exhaust system isn't covered, brakes are covered, but not "Brake discs, pads, drums and shoes", which would seem to be the entire brake system to my uneducated mind.
Most damningly the insurance excludes breakdowns caused by "wear and tear", which again to me would seem to describe the cause of virtually all breakdowns in the history of motoring.
So the question is: does anyone here have breakdown insurance (with any company), and if so, what do you think of it? Because from where I'm sitting it looks like a crock.
ismellburning said:
Worn clutches aren't covered, the exhaust system isn't covered, brakes are covered, but not "Brake discs, pads, drums and shoes", which would seem to be the entire brake system to my uneducated mind.
Well, no, they are all wearing parts designed to be replace at some time or another. What it really means are pipes, servo's and cylinders which are not wearing parts. Similarly the clutch is a wearing part, but the gearbox is not. Its for breakdowns, not general servicing.
The Moose said:
Suggest you delete that last post. Their terms in the exclusion section: "was caused by faults, which You were aware of prior to the start of the journey on which the breakdown occurred"
...
Eh,why should I?...
It's well known that alternators in these go roughly every 60k. It's covering myself for a fairly likely event with the mileage it is at now
It's an RS6 so it's just a matter of time before something goes wrong. So this kind of cover is handy.
Ug_lee said:
The Moose said:
Suggest you delete that last post. Their terms in the exclusion section: "was caused by faults, which You were aware of prior to the start of the journey on which the breakdown occurred"
...
Eh,why should I?...
It's well known that alternators in these go roughly every 60k. It's covering myself for a fairly likely event with the mileage it is at now
It's an RS6 so it's just a matter of time before something goes wrong. So this kind of cover is handy.
All three of our cars are covered. They paid for new callipers on the Jeep GC despite it being a known fault. They covered the brake flexis but not the pads. So around £370 or so. The water pump went on the Boxster & was recovered to an OPC. They will pay for the pump & 2.3 hours of labour at £85+VAT Seems a good deal to me.
I wouldn't expect them to pay for bits that are wear & tear. Would the OP expect them to cover tyres?
I wouldn't expect them to pay for bits that are wear & tear. Would the OP expect them to cover tyres?
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