Cancel AA or RAC Breakdown Policy and Get a Refund
If you want to cancel your AA or RAC breakdown policy, you might be entitled to a refund for the unused portion. This guide explains your rights and the straightforward steps to take. Don't let your money go to waste on a service you no longer need.
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Under the Consumer Rights Act 2015, services must be provided with reasonable care and skill. While breakdown policies are often service contracts rather than insurance, you generally have a right to cancel. Most providers, including AA and RAC, offer a 14-day cooling-off period from when you receive your policy documents, during which you can cancel for a full refund. After this, you can usually cancel at any time and are entitled to a pro-rata refund for the unused portion of your policy, provided you haven't made any claims.
Step by step
- 1Review your policy documents to understand the specific cancellation terms, cooling-off period, and any potential admin fees.
- 2Contact AA or RAC directly by phone or in writing to clearly state your intention to cancel and request a pro-rata refund for the unused policy period.
- 3Keep detailed records of all communications, including dates, times, names of representatives, and copies of any letters or emails sent and received.
- 4If your refund request is denied or unsatisfactory, escalate your complaint through the company's formal complaints procedure. If still unresolved, consider seeking advice from Citizens Advice.
What they'll say, and your comeback
“You've used the service, so no refund is due.”
Comeback, I have not made any claims or used the breakdown service during the policy period. Therefore, I am entitled to a pro-rata refund for the unused portion of my policy.
“You're outside the cooling-off period, so you cannot cancel.”
Comeback, While I am outside the cooling-off period, my contract terms allow for cancellation. I am requesting a pro-rata refund for the remaining unused period of my policy.
“An administration fee applies which significantly reduces your refund.”
Comeback, Any administration fees must be fair and reasonable, as stated in my contract terms. I dispute excessive or unclear charges that were not clearly communicated.
FAQ
How long does it take to get a refund after cancelling?
Refunds typically take 7 to 10 working days to process after your cancellation request is confirmed. This can vary by provider and payment method.
Can I get a full refund if I cancel early?
You are usually entitled to a full refund if you cancel within the 14-day cooling-off period and haven't used the service. Outside this period, refunds are typically pro-rata for the unused portion of the policy, minus any claims made or reasonable admin fees.
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A self-serve tool, not a law firm. General information, not legal advice.