While the scheme doesn’t suit everyome, has it’s odd flaws and often bewildering way of working out the AP’s on some cars I think that for the majority of it’s users it does an excellent job.
I’ve been on – off and back on the scheme over the last 15 years and the main benefit (for me) is the peace of mind I have in knowing that whatever happens to the car it will be sorted out and not cost me a fortune I simply don’t have.
Please excuse spelling/typos. Apart from being a clot it turns out I had one on my cerebellum that's now causing various problems!