Car got stuck in a soft verge, the back bumper of the car was literally 2ft off the tarmac but the driven front wheels were spinning through soft grass into the underlying soil. I tried to put boot mats under tyres and drive it out but it was just getting bogged deeper so I stopped before I beached it completely. Would be a very simple job to pull it out, just needed another vehicle and a towing strop, so rang 2Gether insurance and yes my policy was in place and valid, covered me and the car - but then the guy quoted me sub-section xyz123 of the policy which said it didn't include cover for the vehicle "immersed in mud, sand, water or snow". They could send someone out, but it would be £120 which I could pay over the phone now. I said no and started to dig the car out, someone passing saw me struggling and stopped, he had a canoe on the roof of his car and using the tie-down from that as a tow strop from my towing eye to his towbar the car popped-out immediately. If I'd crashed-off the road down a hillside and needed a specialist recovery vehicle with a winch to pull me out, fair enough but not covering this ? The policy was far cheaper than AA or RAC indeed, but if they won't actually help you without charging £120 then it's a waste of money - and you could be stuck without help in middle of nowhere in the night.