RAC Heist

Ectophile

I'm with Aviva for breakdown insurance.  If I phone them up, the RAC turns up.  So same cover, different name.

Personal cover, including at home, was £106.40.  Personal cover even covers cases where I am a passenger in a car that breaks down.

Juno_Moneta

I’ve found over the years that the best approach with breakdown cover is simply to keep switching providers. 

Spend a year with the RAC, let it lapse, join the AA for a year until that expires too - then repeat. Maybe chuck in a Green Flag occasionally for fun. 

Perpetually get the ‘new customer’ price - loyalty is a lucrative source of profits for these companies - does anybody still think they impress their friends by saying they’ve “been with the AA for over 20 years”?! 

MEM62

CashDog said:

How can company representatives sleep at night having spent their day attempting to extort monies from their membership? Is this common practice across UK businesses? 

Of course it is.  The rely on the lazy to boost their income.  

CashDog said:

How many of these outlandish renewals are processed without question – the resulting vastly swollen income does not bear contemplation.

Many!  

born_again

Juno_Moneta said:

I’ve found over the years that the best approach with breakdown cover is simply to keep switching providers. 

Spend a year with the RAC, let it lapse, join the AA for a year until that expires too - then repeat. Maybe chuck in a Green Flag occasionally for fun. 

Perpetually get the ‘new customer’ price - loyalty is a lucrative source of profits for these companies - does anybody still think they impress their friends by saying they’ve “been with the AA for over 20 years”?! 

Not forgetting to go via cashback sites to reduce costs even further.. 👍

Ibrahim5

Car insurance covers injury claims of millions of pounds plus thousands of pounds of vehicle damage. Breakdown cover costs claims of a few hundred pounds maximum. So I would always expect my car insurance to cost a few multiples of my breakdown insurance. So this year I paid £230 for car insurance and £60 for breakdown insurance. I have expected that ratio or similar for the last 35 years. How can they charge nearly £600 for breakdown cover? Why do people agree to pay so much for breakdown cover?

Grumpy_chap

Ibrahim5 said:

Car insurance covers injury claims of millions of pounds plus thousands of pounds of vehicle damage. Breakdown cover costs claims of a few hundred pounds maximum. So I would always expect my car insurance to cost a few multiples of my breakdown insurance. So this year I paid £230 for car insurance and £60 for breakdown insurance. I have expected that ratio or similar for the last 35 years. How can they charge nearly £600 for breakdown cover? Why do people agree to pay so much for breakdown cover?

There is a lot of logic to that rationale.
I suspect the premium for breakdown cover as a ratio to car insurance also factors in propensity to claim.