Thanks mate! Thanks for taking the time to reply and making my job easier to make people aware that AA don't pay for timing chain replacement and neither for PCV Valve replacement. When I bought the breakdown repair cover, I asked the advisor if the chain was covered and he said yes, but I wasn't made aware that stretched timing chains are not covered and it's considered as wear and tear. I could have been stupid for not asking specifically if the stretching was covered or not. Another point I wanted to make was that AA didn't pay for coil pack either because they say it didn't fix the fault completely, and I was left with the 200 pounds invoice for coil pack, diagnosis and PCV valve, when I should only be paying a few quid just for the coil pack which fixed the main problem and my car was running ok. I took my car to a couple of garages including a dealer and they said there is no need for replacing the chain. Now as you say they won't pay if chain were to snap in the future because I'm not replacing it, I don't see any point buying the breakdown repair cover ever!

Do yourself a favour and DO NOT BUY AA WARRANTY OR BREAKDOWN REPAIR COVER!!! Highly likely that they won't pay a penny if your car requires repair. They just give a false hope that they got your back and take your money. I only had this experience 3 days ago when my car lost power and started making weird noises. I used the AA App on my mobile to report the breakdown. AA patrol arrived in 30-40 mins. He couldn't figure out what was wrong because car was not giving any fault codes. So he called a couple of people at the AA office, they said problem with the chain. He couldn't take any chance so he towed me to the nearest garage. Patrol told the garage that there seems to be an issue with the chain. Garage did some diagnostic, they found 3 problems, One of the coil packs was gone. PCV Valve needed replacing as there was a leak. Timing chain was going. Garage fixed the first 2 and then gave a call to the AA to inform them that the chain needs replacing as well, they asked him to take my authorisation before taking the engine apart and also said that stretched chain will not be covered because it's considered as WEAR AND TEAR!!! He then gave me a call saying AA won't pay anything. The total bill was coming to £700 with chain and £200 without it. I then contacted the AA asking what going on with my repair, they said mechanic is saying chain is stretched which is not covered in your policy and the other repairs will not be covered because your car is not fully repaired without replacing the chain, hence they won't pay anything. I said WHAT!!! So I had to pay for diagnostic, Ignition Coil and PCV Valve replacement. I am not in a condition to pay for the chain replacement so I just drove the car back without the chain being replaced. I am praying everyday that for the health of my car. AA saying if chain was snapped, they would pay for the repair. It will then cost in excess of 2k out of which they will happily pay 500, but they won't pay 500 out of 700 which can stop the chain being snapped. JUST AVOID! The money you save will come handy if anything happened to your car and it required to go to the garage. It will also save you some stress.

Do yourself a favour and DO NOT BUY AA WARRANTY OR BREAKDOWN REPAIR COVER!!! Highly likely that they won't pay a penny if your car requires repair. I only had this experience 3 days ago when my car lost power and making weird noises. I used the AA App on my mobile to report the breakdown. AA patrol arrived in 30-40 mins. He couldn't figure out what was wrong because car was not giving any fault codes. So he called a couple of people at the AA office, they said problem with the chain. He couldn't take chances so he towed me to the nearest garage. Patrol told the garage that there seems to be an issue with the chain. Garage did some diagnostic, they found 3 problems, One of the coil packs was gone. PCV Valve needed replacing as there was a leak. Timing chain was going. Garage fixed the first 2 without asking the AA and then when he gave them a call to confirm the chain replacement, they said to him he should take my authorisation before taking the engine apart and stretched chain will not be covered because it's considered as wear and tear!!! He then gave me a call saying AA won't pay anything. The total bill was coming to £700. and without replacing chain it was £200. I then contacted the AA asking what going on with my repair, they said mechanic is saying chain is stretched which is not covered in your policy and the other repairs will not be covered because your car will not be fully repaired without replacing the chain, hence they won't pay anything. I said WHAT!!! So I had to pay for diagnostic, Ignition Coil and PCV Valve replacement. I am not in a condition to pay for the chain replacement so I just drove the car back without replaced chain. AA saying if chain was snapped, they would pay for it. It will then cost in excess of 2k out of which they will happily pay 500, but they won't pay 500 out of 700 which can avoid the chain being snapped. JUST AVOID!