Useless beyond belief. Useless. You get what you pay for. I have bronze cover and been with them 2 yrs with no need to use them but the one time you need them, they have 1 chance to provide the service and they failed miserably.I drove my car to work and when I came out, it wouldn't start. After speaking to help desk, I was offered EITHER road side assistance OR tow to a garage or home, but not both. If I opted for road side and he couldn't start/fix car, that would be it and I wouldn't be recovered, but left at work and that would be the end of their service. Anyway, asked for roadside repair and after 2 1/2hr wait, I gave up and got a taxi home. Terrible. Looks like AA for me next year.