Un­needed AA pol­icy

Jes­sica In­ves­ti­gates

The Daily Telegraph - Your Money - - FRONT PAGE -

I re­cently bought a car that came com­plete with break­down cover, so I called the AA to can­cel the nine months’ un­ex­pired cover I al­ready had with it.

The AA re­fused a re­fund as it was more than 15 days since the start of the pol­icy.

This seems un­fair given that my cover is now du­pli­cated. JONATHON CLARK

You ex­pected to get a pro­por­tional re­fund along the lines of what your in­surer had given for chang­ing from two cars to one.

You have fewer work com­mit­ments these days and find it is “greener” to have just one car. It is also bet­ter to have only one in the drive.

Two months after re­new­ing your mem­ber­ship of the AA for £201, you used the ser­vice. Then, soon after this break­down, you took de­liv­ery of the new car.

The AA says its nor­mal 15-day “cool­ing-off” pe­riod

Jonathon Clark was al­ready an AA mem­ber when he bought a car that in­cluded cover can be waived, de­pend­ing on the cir­cum­stances. Given that you had used the pol­icy to call out the AA after your re­newal, the AA’s mem­ber­ship team, it says, took the right de­ci­sion in re­fus­ing a re­fund.

You have been an AA mem­ber for 13 years and found its at­ti­tude on this is­sue dis­ap­point­ing.

After I ap­proached the AA, it changed its mind on the re­fund. It now says that in recog­ni­tion that you have been a mem­ber for many years and break­down cover comes with your new car, it has – as a good­will ges­ture – ar­ranged for a pro-rata re­fund of £151.

The AA said another op­tion would have been to sus­pend your mem­ber­ship un­til the cover that came with your new car ex­pired. After that, in ef­fect you could pick up where you left off.

You say you would have done that but you had con­firmed with the man­u­fac­turer that the new car, which you en­vis­age keep­ing for a long time, came with break­down cover for as long as the car is ser­viced by a main dealer.

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