With only 68 days of my cover left, I had to call the One Call insurance breakdown cover because I had a puncture and I couldn't get the wheel off. I was told the basic breakdown cover that's free with the policy doesn't cover wheels or tyres. I was told I would need to upgrade to gold cover for £99.95 to get a call out. What else could I do? I had to pay. I'm very annoyed to find that the standard cost to upgrade to gold when taking out a policy is only £59 FOR THE FULL YEAR!!!!. This is opportunistic exploitation of people with no other choice but to pay up. Almost double to cost for less than a quarter of the cover. When I called to complain the response was extremely unhelpful and unresponsive. No refund. No more business from me. Aviva's basic cover does included wheels and tyres!