Do you have to be insured with Aviva to take this ? It seems excellent.

No, but you do get a discount when you have multiple policies.

Always give details of the newest car first when you call, that is the one they rate the premium on, doesn't matter how old the other are. If your cars are the same age give then details of the one with the smaller engine, that makes a difference as well.

At renewal our policy was £67 based on a 60 plate 1.6 CRDi Ceed. Changed that to being based on a 13 plate 1.4 Seat Leon TSI, premium drops to £51.

since leaving the AA after a ridiculous renewal price,

I have been impressed with the price and service from autonational rescue.

I don't pay for car breakdown .... Nissan throw it in for free for 12 months after annual service at my local franchise dealer

Thats fine if you own a Nissan but sod all use if you don't. Been looking at new cars recently, Nissan Note and Seat Ibiza. Both offer to extend the recovery free when you have the annual service carried out but in Seats case you have to make the booking on-line, sod all use if you don't have the internet.

But such a deal is no good to us since we need cover for our 2nd car. Family/multi car policies are little more expensive than individual cover thus we would make only a small saving.

When I returned to the UK after 14 years abroad I rejoined the RAC. After a few more years the RAC got confused with the subscription cost and undercharged me one year. I questioned it by letter and they assured me that their renewal fee was correct. Then, months later, I received a very direct letter demanding the shortfall. I wrote to them pointing out that they had assured me that I didn't owe them anything. Then I received a letter threatening me with the bailiffs if I didn't pay up. I went through the house collecting all the old RAC 'memorabilia' that I had from them over the previous 30 years, including the key to the roadside assistance shelters and badges, and mailed it in a package to them together with a cheque for £40.00.

Then I joined the AA. When I transferred my bank account from RBS to the COOP I found that the current account, for a small monthly fee, entitled me to the same service that I'd never used from the AA, but at a fraction of the cost. So I resigned from the AA. At first the service was provided by Green Flag, but then it was changed to the RAC. I wonder if the RAC keeps records, Hmm !

I have used breakdown cover exactly once in the last ten years... total cost for that cover £750.

This year I have switched to PAYG cover ... £50/callout, £3 to sign up. Assuming my cars achieve the same level of reliability in the next ten years as the previous ten I will save £700.

What company is that with?