Anyone taken out AA breakdown cover? - MG-Rover.org Forums
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post #1 of 51 (permalink) Old 12-03-2008, 20:10 Thread Starter
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Anyone taken out AA breakdown cover?

I've read a fair bit about this cover, the F/TF boys mention it, it's paid towards a few HGF repairs from what I can see. I'm just trying to decide if it's worth the money, having paid 250ish last April for a warranty that wouldn't pay out when I had a problem.

They pay out up to 500 and up to 5 claims per year. There's a 25 excess and it costs an additional 65 per year on top of your membership. Seems almost too good to be true. Details below:

Quote:
In order for Your AA Breakdown Repair Cover to apply, the nominated vehicle must:
Break down as a result of Mechanical or Electrical Failure, and as a result, be prevented from continuing its journey safely, and have been attended by the AA under Your AA Membership, and need the repair or replacement of insured part(s) to enable the journey to be resumed or, if applicable, commenced.


Items Covered.

The Engine
All parts are covered other than exhaust systems.

Engine Cooling System
All parts are covered, other than in the case of damage or failure due to freezing, corrosion, erosion and blockage.

Fuel System
All parts are covered, other than in the case of damage or failure due to incorrect or contaminated fuel, internal blockage, adjustments and failure to meet current emission legislation.

Clutch
All parts are covered other than worn-out friction surfaces.

Gearbox
All parts are covered.

Differential and Drive Line
All parts are covered other than motorcycle drive chains and sprockets.

Steering
All parts are covered.

Suspension
All parts are covered other than wheels, tyres and suspension forks.

Braking System
All parts are covered other than worn-out friction surfaces.

Electrical System
All parts are covered including vehicle starter batteries other than sun roof motors and mechanisms, folding roof motors and mechanisms, window mechanisms (electrical and mechanical), door lock mechanisms (electrical and mechanical), ignition lock and barrel, lamps, bulbs, faulty connections, speedometer and odometer.

Other Insured Parts are:
Air conditioning compressor but not any other air conditioning components.
Front windscreen wiper linkages.
Housings and Casings - These are covered provided they are damaged by the failure of an insured part.

Other parts that are not covered
All body parts, roof frames, glass, non-glass windows, paint, upholstery, folding roof fabric, trim, cosmetic finishes, motorcycle frames and fairings; Any equipment that is not fitted as standard by the manufacturer at the time of production.
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post #2 of 51 (permalink) Old 12-03-2008, 20:16
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Sounds like you're after a warranty, mine cost me 250 for 12 months, with AON. AON covers everything except electrical faults. I had the HG done, Thermostat valve, Brake pipe failure, Oil leak all sorted through the warranty and never paid a thing. AON cover the repairs upto the value of the car, and also pay 7 days courtesy car hire. Several national outlets for the work to be done in too. It does not cover wearable parts, Discs, Clutches, Exhaust, and not paint or bodywork but all engine mechanicals.
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post #3 of 51 (permalink) Old 12-03-2008, 20:19
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Hi Kelvin
Yes I have, am in my second year but have not had to test it yet, which I guess is the point of your enquiry, so cant speak for or against
M
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post #4 of 51 (permalink) Old 12-03-2008, 20:23
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I enquired about this but the car to be covered must be serviced at a vat registered garage and an invoice supplied as proof to be eligable, as I service my car myself I could not take out the cover.

Regards Gary
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post #5 of 51 (permalink) Old 12-03-2008, 20:23 Thread Starter
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Quote:
Originally Posted by T1MTG View Post
Sounds like you're after a warranty, mine cost me 250 for 12 months, with AON. AON covers everything except electrical faults. I had the HG done, Thermostat valve, Brake pipe failure, Oil leak all sorted through the warranty and never paid a thing. AON cover the repairs upto the value of the car, and also pay 7 days courtesy car hire. Several national outlets for the work to be done in too. It does not cover wearable parts, Discs, Clutches, Exhaust, and not paint or bodywork but all engine mechanicals.

Nope. As I said, I have a warranty for all the use it was. It will be a cold day in hell before I pay for another expensive piece of useless paper.
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post #6 of 51 (permalink) Old 12-03-2008, 20:25 Thread Starter
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Quote:
Originally Posted by Martyn Procter View Post
Hi Kelvin
Yes I have, am in my second year but have not had to test it yet, which I guess is the point of your enquiry, so cant speak for or against
M

Thanks. Thinking about it, if my auto box lasts another 20 years it might not be economically sensible for me!
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post #7 of 51 (permalink) Old 12-03-2008, 20:28 Thread Starter
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Quote:
Originally Posted by caravan man View Post
I enquired about this but the car to be covered must be serviced at a vat registered garage and an invoice supplied as proof to be eligable, as I service my car myself I could not take out the cover.

Regards Gary

.........vat registered garage.........

Presumably when motor traders register for vat they have to take some sort of trade test to prove that they know what they're doing!
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post #8 of 51 (permalink) Old 12-03-2008, 20:33
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catch

the service bit kills it kelvin, im guessing that you like me like to do your own servicing therefore its a dead duck unless you have a mate that will stamp your book . ah theres the rub . coalburnflyer.
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post #9 of 51 (permalink) Old 12-03-2008, 22:26
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Yeah Ive took it out, After my mgf's engine disapperered in a cloud of steam without warning, seemed like a good deal to me.
Whats the cost about a pound a week, for peace of mind with a k series.
You Have to call the aa patrol out for it to be covered thou,
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post #10 of 51 (permalink) Old 12-03-2008, 22:32
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The AA insurance doesnt sound too hot to me, only 500 can soon go on mechanics fees. If something that is not covered breaks you are in the same boat as the warranty that you dont like. Dont think any cover, unless you pay millions for it, will cover absolutely everything, its a matter of deciding whats best for you and your situation.
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post #11 of 51 (permalink) Old 12-03-2008, 22:39 Thread Starter
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Sadly, you're missing the point completely.

It's 5 x 500 in any one year for 65. I have a warranty, it cost me 250 and wouldn't pay out when I tried to claim. I won't be buying another one but this is attractive enough to warrant some thought.
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post #12 of 51 (permalink) Old 12-03-2008, 23:05
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Just got 475 to go towards a new inlet manifold using my breakdown repair cover. No quibles, claim paid immediately. For 65 a year they have already saved me a packet and seem to be very good value.

Put another way 65 is less than the cost of a tank of petrol.

Boz
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post #13 of 51 (permalink) Old 12-03-2008, 23:11 Thread Starter
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Quote:
Originally Posted by Boz75 View Post
Just got 475 to go towards a new inlet manifold using my breakdown repair cover. No quibles, claim paid immediately. For 65 a year they have already saved me a packet and seem to be very good value.

Put another way 65 is less than the cost of a tank of petrol.

Boz

That's the sort of info I was looking for. Can I ask what the circumstances were?
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post #14 of 51 (permalink) Old 12-03-2008, 23:52
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I have the AA warranty (as opposed to breakdown insurance) and they've paid 507 towards my recent HGF (well, they haven't sent the cheque yet but I'm expecting it!) I could have had nearly the whole job paid for if I'd taken it to their recommended repairer but I wanted it to go somewhere that I trust.

I might consider this when my warranty is expired in over 12 months, I should be smoking about in a ZT CDTi or Mondog TDCi by then too.
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post #15 of 51 (permalink) Old 13-03-2008, 00:07 Thread Starter
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Quote:
Originally Posted by Blue_Oval View Post
I have the AA warranty (as opposed to breakdown insurance) and they've paid 507 towards my recent HGF (well, they haven't sent the cheque yet but I'm expecting it!) I could have had nearly the whole job paid for if I'd taken it to their recommended repairer but I wanted it to go somewhere that I trust.

I might consider this when my warranty is expired in over 12 months, I should be smoking about in a ZT CDTi or Mondog TDCi by then too.

Did that come with the car? I can't find anything on the AA Warranty site that tells me how much it is.
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post #16 of 51 (permalink) Old 13-03-2008, 01:26
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The one that I have was sold to me on a cold call one afternoon, it's the only thing that I've ever bought over the phone and it costs 21 per month, however, since my HGF (pretty much inevitable) it has paid for itself and I've broken even (as well as not having to fork out the money in one go!), one more claim and I'm in profit.

The cover I have is called the Platinum cover IIRC, they don't sell it on their website, it's underwritten by Motorway Direct PLC, maybe worth ringing them to see if you can buy it direct as bizzarely, the AA don't sell this particular policy themselves!
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post #17 of 51 (permalink) Old 13-03-2008, 09:47
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I have the AA breakdown insurance and they paid for a front upper suspension bush without any quibbles. However, I recently needed a new front ball joint which they refused to pay on the grounds that it was wear and tear. Car has only done 65000 miles.
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post #18 of 51 (permalink) Old 13-03-2008, 22:17
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I just noticed that the car was making funny noises, that i was down on way power and was not driving properly. I phoned the AA and asked them to come and check it out. They arrived within the hour and confirmed my suspicions. I was given a note and told to go to a garage to have them assess the work. 2 days later they fitted with authorisation from the AA, a shiny new manifold and a few days after that a shiny new cheque arrived.

So it appears that you do not have to physically break down to claim. As long as an insured part fails and it may be unsafe or cause further damage to the car to continue the journey they will fix it. The breakdown/part failure needs to be attended by the AA though.

Hope this helps
Boz
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post #19 of 51 (permalink) Old 13-03-2008, 22:19
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Don't forget that Supporters get a discount with the AA, on breakdown roadside cover (Not sure about the warranty - but will check)

And the discount is for ever, not just the first year, like most special offers
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post #20 of 51 (permalink) Old 13-03-2008, 22:24 Thread Starter
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Quote:
Originally Posted by Boz75 View Post
I just noticed that the car was making funny noises, that i was down on way power and was not driving properly. I phoned the AA and asked them to come and check it out. They arrived within the hour and confirmed my suspicions. I was given a note and told to go to a garage to have them assess the work. 2 days later they fitted with authorisation from the AA, a shiny new manifold and a few days after that a shiny new cheque arrived.

So it appears that you do not have to physically break down to claim. As long as an insured part fails and it may be unsafe or cause further damage to the car to continue the journey they will fix it. The breakdown/part failure needs to be attended by the AA though.

Hope this helps
Boz

That's just what I wanted to hear! Thanks.

My failed warranty claim was when the in-tank pump went. RAC man diagnosed it, towed me to a garage and I filled the tank. I drove home and took it to my local MGR garage who confirmed the diagnosis and ordered the part. Went back to have it fitted and the warranty company said they wouldn't pay as the vehicle had been driven since the fault occured. Nothing I said would shift them.
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