AA car repair cover

[sierraman]

Might I add I wouldn't waste my money on this as it'll be that full of get out clauses you wouldn't believe...

 

In he local shops today the AA has a stand offering car repair cover, it had a description of the potential costs of various roadside emergencies, amongst which was timing belt failure. It quoted £140 being the typical cost of this occurring - which is a load of bollocks if you ask me, more like £1400 if the valves and Pistons collide...

 

Anyway the salesman said if the timing belt failed you'd only have to pay £35 and they'd cover the rest up to £500. This doesn't sound right does it?

 

Say I had a car due for a belt change and I had this insurance, the belt snapped through me failing to change it, they'd pay towards the rebuild of the engine? Can't see that.

[mercrocker]

I am guessing there is a whole bunch of caveats to this regarding servicing and so on.   They tried to flog it to me last time I broke down but the fella on the phone got confused when I told him none of my cars have cambelts.....

[BorniteIdentity]

From memory my brother in law had quite a bit out of them for his Vectra.... and when the guy came to the house he basically added extra stuff onto the job list to get it up to £500.

 

!

 

I had it on my Rover 75 and, ironically, never used it once in a year !

[Captain Furious]

Had it on my ST220, like you I was sceptical but I used it when the fuel pump failed, paid out no hassle at all.

 

Only caveat was it has to be a fault which causes a breakdown and the AA attend, so you can't just say my exhaust has gone please buy me a new one

 

The premium didn't go up the following year because I'd claimed either

 

Would recommend, even if it doesn't cover the whole repair bill it takes the sting out of most things

[carlo]

I have this and I think it's a worthwhile investment when driving old shitters.  Unfortunately when the starter motor packed up on the last 405 I couldn't claim as I was only 11 days into the 14 day qualifying period!

[BorniteIdentity]

I have this and I think it's a worthwhile investment when driving old shitters. Unfortunately when the starter motor packed up on the last 405 I couldn't claim as I was only 11 days into the 14 day qualifying period!

From memory they only insure cars up to 15 years old at the start of the policy.

 

I think they continue to offer it to existing customers though. Also I'm pretty confident that your manufacturer's schedule of service needs to have been observed.

 

(!)

[sierraman]

If I'd observed the service schedule I'd not be having a timing belt go though...

[BorniteIdentity]

Ah.

 

Yes.

[Captain Furious]

Don't recall service history being a requirement, if it was they didn't check too stringently because mine didn't have FSH

[DSdriver]

Car repair insurance

Car insurance

Legal Insurance

Foreign Travel Insurance

Health insurance

House insurance

Life insurance

Boiler insurance

Water pipes insurance

Mobile phone insurance

White goods insurance

Anything else you buy or do or have insurance.

 

What! you want insurance against flooding even though your house has not flooded in the last three hundred years? Fuck off.

 

They are all crooks.

[BorniteIdentity]

They are all crooks.

No. They're not.

 

It's about your attitude to risk. In the majority of cases,the insurances you list aren't mandatory- they're an option. Some people are more risk averse than others. That doesn't make them right or wrong.

 

Nobody forces you to take them out and, where it had been proven that a service has been mis sold, you've probably had hour money back tenfold by now in compensation.

 

I'm not risk averse at all. I think that's generally the nature of this forum. But to label all insurances as bent is just a bit daft.

[Pillock]

Insurance is a scam until you claim, then it's not a scam. 

[omegod]

I got on my high horse with RBS over some PPI I had with them on an old loan, they were quite gracious when they reminded me that the policy  had actually paid the last 12 remaining loan repayments for me as I'd been ill for the period     

[rainagain]

I've had this and it was great, covered new starter motor in OH's Stilo. Once I got the crappy Megan's fixed I took it out, I was glad I did as it covered a new starter and a new battery. It does insist in the small print you have a full garage service history but I was never asked for it the three times I claimed.

[Pillock]

It find it odd that people who knowingly took out PPI then see that they didn't use it so can pretend they didn't want/need it and get cash back. I have no doubt that some people were tricked into it, but imagine getting to the end of your 12 month car insurance and saying "yeah, actually it turns out I had no use for that policy so can I have a refund please?"

[omegod]

It find it odd that people who knowingly took out PPI then see that they didn't use it so can pretend they didn't want/need it and get cash back. I have no doubt that some people were tricked into it, but imagine getting to the end of your 12 month car insurance and saying "yeah, actually it turns out I had no use for that policy so can I have a refund please?"

 

The other 5 I have claimed back were added without me knowing, at no point was I asked if I wanted/needed them,

 

I guess the car insurance equivalent is being told you have to take the" motor legal protection" option or it being included at a cost without you asking for it  

[Jim Bell]

It find it odd that people who knowingly took out PPI then see that they didn't use it so can pretend they didn't want/need it and get cash back. I have no doubt that some people were tricked into it, but imagine getting to the end of your 12 month car insurance and saying "yeah, actually it turns out I didn't make any claim on that policy so can you not put it up by a third for no reason please?"

Indeed.

Not crooks.

Indeed.

[djimbob]

I know people who have successfully claimed on this AA cover, one an Alpha Romeo 147 I think with head gasket failure, no quibbles.

 

I would recommend for the less mature motorist with similar shitters, not for me I might add, I can look after my own motoring on the cheap, but then I am 50 this year so I reckon I've made my financial errors aplenty to learn from

[beko1987]

Green flag are plugging their version of this at the minute on the radio. Its ace right up until the 15 year old rule gets rapidly spoken at the end

[New POD]

Insurance is a scam until you claim, then it's not a scam. 

 

According to Flanders (The simpson's Neighbour) "Insurance is a form of gambling and we don't believe in gambling"

[Landy Mann]

Hmm I wonder of I can cover the 25 with this (what's service history...)

 

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[cort16]

I hear good things about this. Someone I know recently got a new clutch in their mini mostly funded by it.

I don't think it's mega expensive either.

[New POD]

According to Flanders (The simpson's Neighbour) "Insurance is a form of gambling and we don't believe in gambling"

 

I have saved £20 x12 x9 by not insuring the dog. I have put aside £50 just in case I need to "Make him comfortable"  

I have saved £12 x12 x 30 by not insuring the cat(s). It only costs £36 to put one down.

[rml2345]

Wasn't the AA but I remember someone telephoning to offer this sort of insurance on the Yaris. He was pretty bemused when it was refused because Toyota...

I guess if you've got something that's out of warranty but still worth too much to bin if it kersplodes in a catastrophic manner then it does make some sense but regular maintenance can avoid most FTPs.

Use it to cover a Laguna II for maximum value.

[cort16]

It seems vets bills have gone sky high now as vets assume that folk have pet insurance that will cover the costs. It's what happened to health insurance in america. The prices are dis proportionate as the end consumer never see's the cost of the treatment until the insurance company stops cover and it all goes tits up.

[Pillock]

It'd be useful on nearly moderns that have stuff like DMFs and DPFs where maintenance can't avoid a mega expensive FTP. My Focus was serviced by the book and still needed £800 worth of work on the pressure pipes.

[daveb47]

Been looking for insurance for my Volvo 940,tried loads of classic insurance online quotes,

Message i get is that they cannot quote online and i need to call their (usually premium rate) phone number because of my specialist modifications...

I have a towbar fitted.

Crooks the lot of them.

fuck knows how i would get on if i had put Led bulbs in my interior lights.

[Rocket88]

Been looking for insurance for my Volvo 940,tried loads of classic insurance online quotes,

Message i get is that they cannot quote online and i need to call their (usually premium rate) phone number because of my specialist modifications...

I have a towbar fitted.

Crooks the lot of them.

fuck knows how i would get on if i had put Led bulbs in my interior lights.

If tow bar fitted from new [quite likely on a Volvo] how can that me a "modification"?

[Landy Mann]

I'm theory any deviation from the standard spec including optional extras is a modification. So pretty anything can be (look at a BMW options list...)

 

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[Urko]

I got on my high horse with RBS over some PPI I had with them on an old loan, they were quite gracious when they reminded me that the policy  had actually paid the last 12 remaining loan repayments for me as I'd been ill for the period     

That's funny - I got a job where I didn't get paid when not working (like a posher, kinder, less formal and much more lucrative version of a zero hours contract) so I immediately cancelled all my PPI and mortgage protection as I knew it wouldn't pay out (this was years before everyone started getting compensation for it).

 

Back on topic - on one of my ftps with my Jag the AA man tried to flog me this cover (not a hard sell at all) but I declined on the basis that I more often managed to limp to the garage to have my wallet emptied - and those ones weren't covered - as observed above.

 

I am not against insurance but I am less risk averse as I get older - and running shite means it's often effectively disposable - I know it's cliche on here and pistonheads, but I lose less on a shitter I've had a year and have to bridge than the depreciation on some shiny new thing - although for me it's more about the fun and not caring when some berk backs into it in the Co-Op car park and drives off.