Breakdown cover.

First Post here so hi to all of you and Happy New Year!! Now my gripe is that having waited nearly 3 hours for the RAC just before xmas, I was charged £40 excess only because I had signed up through a third party!! Still the RAC but the most annoying thing is i had just renewed my policy directly ,after the obligatory haggling with the RAC,  DIRECT with them not through a third party but because I had signed up a year ago through a third party I am liable for this charge every time I need them!!
SO BEWARE GUYS !! Read the small print not obvious but it's there .


  • DullGreyGuy
    DullGreyGuy Posts: 9,029
    First Anniversary First Post Name Dropper
    Depending which third party it is the £40 excess may be optional... certainly some on the aggregator looked at the other day showed options with and without the excess with the later naturally being more expensive. 

    The reality is that those that buy via aggregators generally just want a cheap price hence create the excess to get higher up the results table. Those that want the RAC because they believe in the company go direct and pay a higher price with no excess. 

    If you want to ditch the excess then allow the policy to lapse and simply buy a new policy either directly or via a source that gives you choices on if to have an excess or not. 

    This isn't the only thing that insurers do to get lower prices onto aggregators... some have totally different wordings with much more limited terms than what they sell to their direct customers but people want cheap so cheap is what they get (both in price and quality)
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