AA Breakdown Insurance

[46inb]

I see that the AA offer breakdown insurance. For an additional £60 to your normal Relay cover, if you break down and they can't fix it roadside, then they will pay up to £500 for repair costs.

Has anyone used this and is there a catch ? Seems a good deal. So if my CHG gives out, the AA will pay £500 towards costs of fixing ? And you seem to be able to claim 5 times in any year....

Interested to hear anyone's experience of this.

[Andy]

I've got it on my policy, haven't had to use it yet

[r055]

id say 70% of us S1 drivers have it (parts and labour).
Ive not used it yet, but I know Tut and a few others have had success with it! Tut actually knows more about it than most of the AA probably!

[Rag_It]

Has worked well for more than a few at Donny this weekend!

Worth it, and they now offer it for any vehicle, albeit more expensive for those with car over the 10+ year mark!

[tut]

There are no catches to it, it covers virtually any mechanical fault, but not wearage, ie a physical clutch failure is covered but not platewear. HGF no probs.

Provisos are that you have to call out the AA from the road, not home, when you breakdown, and you car has to be transported to an MOT garage, which means you can chose your own if you have Relay as well.

tut

[Corranga]

Hmm, I should have had this 2 weeks with the whole HGF thing... Not sure there will be anything else left to break on the car when I get it back!

[r055]

Hmm, I should have had this 2 weeks with the whole HGF thing... Not sure there will be anything else left to break on the car when I get it back!

I seen your car looking sorry for itself last week!

[Andy]

The policy does have to be active for four week before you claim on it to try and stop you buying the product after you've broken down

[Tom]

id say 70% of us S1 drivers have it (parts and labour).
Ive not used it yet, but I know Tut and a few others have had success with it! Tut actually knows more about it than most of the AA probably!

i've used mine a couple of times. It's absolutely worth having I reckon, certainly on an S1, and probably with any Lotus that's not in warranty...

[pete]

The policy does have to be active for four week before you claim on it to try and stop you buying the product after you've broken down

14 days.. Just took out the policy so I checked.

[pete]

There are no catches to it, it covers virtually any mechanical fault, but not wearage, ie a physical clutch failure is covered but not platewear. HGF no probs.

Provisos are that you have to call out the AA from the road, not home, when you breakdown, and you car has to be transported to an MOT garage, which means you can chose your own if you have Relay as well.

tut

Says it needs to be VAT registered, doesn't mention MOT...

(Reading the policy exclusions as we speak)

[DDtB]

It's saved me £940 in the last 12 months.... I love it!...

[Lazydonkey]

Yup i've just signed up for it but as Tut says you really need to call them out in the first place, so it helps if you have the full bhuna AA recovery (ie home as well) so that you don't have to push your car 1/4 mile away from you house as / when it doesn't start

One rumour doing the rounds of SE was that your servicing had to be done by a VAT registered garage - i can see no mention of this in the T&C's............it merely states that you need to have your car serviced by a garage with premises and that it can't be a family friend / yourself etc etc. In theory they could ask for invoices / reciepts for work done but AFAIK this isn't always the case. Good news for those (like me) who have a good mechanic they trust who isn't VAT registered

The VAT bit only applies to the garage that fixes the car when it goes bang.

Hope this is clear

[woody]

The VAT bit only applies to the garage that fixes the car when it goes bang.

Hope this is clear

Indeed

[Andy]

I got a new alternator fitted this week to the tune of £320. Got to love this £25 excess business Best £60 I've spent this year.