I wouldn't worry about it Sag , i'm not .
I think i paid about £250 though i haven't checked but i do remember likening it to the cost of a new starter motor when i'm in a motorway service station 300 miles from home somewhere in the "who is doing what maintenance today" thread .
It was family cover for both cars , repair , breakdown , travel , accommodation the works . I didn't think i needed it as we both drive a cruisers but i justified it because i am often away from home and a single repair might make it worth having .
I am just glad i found out now the AA is not worth a carrot instead of wasting a few hours at the side of a motorway before arranging my own recovery .