asahartz wrote on 18/10/2008 :
Some do operate like an insurance service, paying the costs back to you after you have paid the initial bill. The thoughts of having the cover, but being stuck somewhere without CC's or the cash to cover it I made sure they paid directly. The difference in cost was not that much anyway. I have the maximum cover which gets me home if necessary along with car and a trailer inc. any hotel bills comes to around £80 a year if memory serves.