They will sell you this on the phone and tell you its £500 per claim should your car break down to cover cost of parts and labour etc. When you have to make a claim its a different story,I had this experience last week,car was misfiring engine light on,AA man came out quickly and plugged in computer to give a list of possible causes,drove the car still misfiring to a garage locally and they phoned AA with the breakdown sheet and were told no claim was possible because the car was still driveable. Man in garage found one bank of cylinders running lean due to 2 air leaks bringing the light on and said if I had carried on driving it there was a possibility of holing a piston. Big round of applause for the AA.