Im thinking of getting break down cover on a policy, joint one that is inc relay. £95 inc £40 cash back through the aa. Now our cars are only just x3 years old, would you bother having breakdown cover or am I waisting money?

It's worth thinking what you'd do if you did break down. If you have a good friend who'd be happy to turn up with a tow rope or jump leads (and you'd do the same back) then there's no need for cover.

It's worth shopping around if you want cover though. I've got cover but I wouldn't mess around with anything involving cash back.

Don't think that 3 yo cars can't break down!! I had a brand new Company car a few years ago which packed up after 2000 miles with an oil pump failure and I often see new or nearly new cars on the side of A roads or motorways with the breakdown truck in attendance.

I believe its always worth having some sort of basic cover - if you do any sort of distance away from home it gives peace of mind. I've called out the RAC when I had a puncture on a dangerous bit of Motorway - they parked their van up behind me on the hard shoulder with the warning lights flashing whilst the tyre was rapidly changed - reduced the chances of a half asleep lorry driver running me down as I was changing it!!!

I've got "all singing,all dancing" b/down cover for 2 cars in the UK for ~£90 pa (not a lot when the car tax alone is ~ £400 pa!!)

The most common reason for a call out is a battery problem. These can occur with any age of vehicle.

I had a bad connection shortly after a service that caused everything in the vehicle to die after coming out of a restaurant. It was in the Middle East. I was carefully using a circuit tester to find the problem when the waiter came out and, wanting to help, picked up a hammer from my tool box and started hitting the engine - the traditional way to fix things there - he meant well.

A new vehicle or sticking to main dealers wont save you from a problem like the above.