Following a breakdown and after renewing my cover for the third year found that I couldn’t use the cover for the first 10 days. Cost me £133 to have the call out so after numerous emails, telephone calls I have been told I will get a refund but can’t be told how much, when etc... lesson learned get your own breakdown cover as if I had known being loyal means nothing wouldn't of bothered and certainly wouldn’t be out of pocket! Hiding behind terms and conditions isn’t a great service especially promoting customer loyalty. Next year I will be certainly looking at different options with other insurance providers.