Showing posts with label Insurance. Show all posts
Showing posts with label Insurance. Show all posts

Saturday, December 25, 2021

Washington state delay new longterm care payroll tax 2022 calculator


Lets discuss topics Washington state delays new long-term care payroll tax. Washington state payroll calculator Washington state payroll tax 2022 Washington state payroll deductions 2021 Washington state payroll tax long-term care washington state long-term care tax calculator Washington state LTC payroll tax exemption will elobrate washington state payroll tax wa tax washington longterm care tax. And what are the statement of jay inslee press conference today live.jay inslee covid update.jay inslee press conference today.jay inslee press conference.gov jay inslee

Washington Gov (www insurance wa gov). Jay Inslee announced on Friday that a delaying payroll tax (wa tax) to support the state's new long-term care program will be delayed.

Washington state payroll tax 2022 


Inslee and Democratic legislative leaders in Washington announced a deal to postpone the new WA Cares payroll levy while they work out difficulties with the new long-term care program


Employers will not face penalties or interest for failing to withhold those taxes (washington state payroll tax) from workers (washington state caregiver jobs) wages during the pause, he added.

Washington state payroll calculator 2022

"I've been in constant contact with legislators about the long-term care bill, which will start collecting funds in January. This bill will assist Washingtonians in receiving much-needed care and coverage as they get older.

 Legislators, on the other hand, have identified specific areas in which changes are required, and I agree. We need to give legislators a chance to make changes to the bill "Gov. 

Jay Inslee made the statement. "As a result, I'm taking steps within my authority and instructing the state Employment Security Department not to collect this program's premiums from companies until April."

Below is the jay inslee twitter
 
Senators Andy Billig and Speaker Laurie Jenkins released a statement saying that the Washington Cares Fund premium assessment will be delayed through the 2023 legislative session:


"We fully expect to ask the legislature to postpone the Cares Fund premium assessment this year so that we can make adjustments to the Fund during the 2022 legislative session. 

The program will be improved by pausing it so that handicapped veterans, military spouses, non-residents, and near-retirees can be better served. 


The Long Term Care Commission will be able to research and make recommendations about people who retire outside of Washington, as well as ensure that individuals who have opted out of the programme have their private insurance coverage. These enhancements will ensure the security and stability of this vital safety net for our state's elders and individuals with disabilities now and in the future."

Related: washington longterm care insurance


Workers will pay a premium of.58 percent of total pay per paycheck under the rule, which means a $50,000 salary will cost $290 per year. 

People who require assistance with at least three "activities of daily living," such as bathing, clothing, or medication administration, can use the fund to pay for in-home care, house modifications such as a wheelchair ramp, and doctor trips beginning Jan. 1, 2025.

Home-delivered meals are also covered, as well as recompense for unpaid family caregivers. The benefit has a lifetime maximum of $36,500, with annual increases determined by inflation.

In a written statement, Jessica Gomez of the alliance Washingtonians for a Responsible Future said, "Delaying WA Cares will damage an estimated 38,000 crippled, aged, or critically sick people who are desperate for long-term care assistance in 2025."

According to the AARP of Washington, 70% of residents aged 65 and over will require some form of support in order to live freely.

Gomez also stated that the postponement will cause confusion for people who purchased private long-term care insurance before the Nov. 1 deadline in order to avoid the fee.

As of Dec. 2, the Employment Security Department has received over 430,000 exemption petitions, with over 334,000 of them being approved.

The high number of exemptions has prompted questions about the program's stability and the possibility of a premium hike for workers.

In a written statement, Jessica Gomez of the alliance Washingtonians for a Responsible Future said, "Delaying WA Cares will damage an estimated 38,000 crippled, aged, or critically sick people who are desperate for longterm care assistance in 2025."

According to the AARP of washington stat, 70% of residents aged 65 and over will require some form of support in order to live freely.

Gomez also stated that the postponement will cause confusion for people who purchased private long-term care insurance before the Nov. 1 deadline in order to avoid the fee.

As of Dec. 2, the Employment Security Department has received over 430,000 exemption petitions, with over 334,000 of them being approved.

The high number of exemptions has prompted questions about the program's stability and the possibility of a premium hike for workers.

Wednesday, December 15, 2021

when do you add child to car insurance | auto car insurance for teens

when do you add child to car insurance | auto car insurance for teens

In this article, we will see when do you add child to car insurance.car insurance for teens. do i need to add my child to my car insurance with a permit when do you add child to auto insurance.Also we will cover the topic of when do I add my child to my auto insurance and what happens if i don't add my child to my auto insurance.
So let's read more on the topic when do you add child to car insurance.

when do you add child to car insurance $29.81/mo,

This is also called as family car insurance. You need to add your youngster (teen car insurance) to your auto insurance plan as quickly as they support the wheel.

This is just a smart move to make when it comes to managing your car and truck insurance plan

Statistically speaking, car insurance for teens drivers additionally join more high-risk habits behind the wheel such as driving without a seatbelt, speeding, texting while driving as well as driving with a lot of passengers

Although your insurance coverage costs occasional driver insurance rates will certainly go up, there are some manner ins which you can help reduce the general amount of the rise for teenager chauffeurs such as chauffeur's ed, great qualities and combining plans

The finest point parents can do is to treat driving as a benefit as well as not


Why does it cost more to insure teen drivers? |  teen car insurance

There are many factors for this boost in an insurance policy. The primary reason is that teenagers are thought of as high-risk drivers. 

Even if you feel you have a very responsible youngster ( how much to add a child to car insurance),  they are still in more danger than an adult motorist based on lack of experience alone. 

This risky standing continues up until the age of 25 for men as well as 23 for females. Car crashes are the leading cause of death amongst young adults with 16-year-olds having the highest possible accident rate. 

Teens should totally recognize the power of driving before obtaining their permits. The main question is how to get insurance for children.

 This statistic is troubling, comprehending the main aspects that trigger crashes for teen motorists can aid. The primary factor is provided as inexperience however the primary means this plays itself out is through traveler disturbance. 

Teens often tend to stack as many passengers in a car as feasible. The atmosphere in the automobile ends up being chaotic as well as triggers accidents. Before driving parents car they should have question in there mind can you drive your parents car without insurance?

How can I reduce the rise in auto insurance rates when adding a teen driver?

Driver’s training reductions are the primary manner to lessen premiums for teens. Many excessive schools or states require driver’s training courses.

Another manner to lower premiums in youngster drivers is to inspire your baby to get the right grades in school. Good pupil discounts may be given whilst a student gives a duplicate in their document card to the insurance company.

Another manner to keep cash is to mix all of your rules with one company. Homeowners' insurance, life insurance, boat coverage, or renters insurance may be blended with car insurance to lessen the general rate of a premium.

What other factors increase teen driving rates?

Accidents and moving violations inside the first years of getting a license will boom charges greatly.

In a few cases, insurance groups will drop youngster drivers who receive violations inside the first 18 months of being insured.

This is wherein teaching your child to be a secure motive force comes into play. The great component mother and father can do is to deal with using as a privilege and now no longer a right. Teens want results and want to understand the risks of using irresponsibly.

what happens if I don't add my child to my auto insurance?

Don’t try and beat the system with the aid of using failing to feature your youngster  (what happens if I don't add my child to my auto insurance) driver on your policy. You have to add insurance for children kids

If you do, and your child is in a coincidence, your car insurance corporation may want to deny insurance mentioning your dedicated fraud, particularly cloth misrepresentation, by now no longer informing it of the licensed driver.

Alternatively, your insurer might also additionally cowl the coincidence however then require you to pay all charges that ought to be paid in view that your child becomes licensed. 

Instead of getting his top rate to unfold out for the duration of all of the months, he becomes certified, it'll be due all at once.

How To Get a Deal on Teen Car Insurance

There are many cut price options to don't forget together along with your teen (second driver insurance) and a coverage agent, because you won’t usually combine them or use them at an equal time. Below, study a few of the discounts you or your youngster might qualify for.

Good student discount: The Teens may get a break on car insurance if they get good grades and exhibit responsibility in the school.

Student away discount: If your teenage driver is away at school and the car they force is now not in constant use, however, best used when they go to for holidays, you will be eligible for this discount.

Safe driver discount: Teens who have completed a driver’s safety education course through their state maybe get this discount.

Low-mileage discount: The Insurance companies may offer to you a low-mileage discount if you let them place a telematics device on your vehicle to track your teen’s driving habit.

Bundling discounts: You may qualify for this insurance discount when if you have taken bundle package means you buy home and car insurance coverage from the same company.

car insurance for teens FAQ:

Should I add my child to car insurance?

No, you should not include your child in car insurance. ... But if a young person is under the parental policy, he or she can keep it while he or she is in the family and drives the family car. As with all drivers, it's good to have at least the practical ones that require insurance.

Is it cheaper to be on your parent's car insurance?

If you are under 25 and do not have the ideal driving experience, it may be cheaper for you to follow the license rules. Your bet depends entirely on the risk. ... As a result, new drivers are charged more than the average car insurance.

Saturday, November 27, 2021

Why car insurance so expensive in texas | Reasons | Cheapest Best Texas Car Insurance Companies

Why car insurance so expensive in texas | Reasons | Cheapest Best Texas Car Insurance Companies

 In this article, we are going to discuss why is car insurance so expensive in texas. why is insurance so expensive in texas and also cover is auto insurance more expensive in texas?  And Cheapest full coverage auto insurance: Fred Loya.

Whether you’ve lived in Texas your whole life or are new to the state, there’s a very good chance you'll be amazed by the car insurance prices you received while you went to insure your car.

 There’s no denying that car insurance in Texas is pricey. The common car insurance price in Texas is $1818 in keeping with the year.

why is car insurance so expensive in texas?

So, why are Texans paying 26.9% extra than the countrywide common? Let’s study why car insurance in Texas is so expensive, what elements affect vehicle insurance in Texas, and the way you would possibly potentially reduce your premiums. 

Cost of car insurance in Texas

Car insurance in Texas is mandatory. The common every year cost of car insurance in Texas is $1818, while the country-wide common is $1431. When looking for car insurance, understanding the everyday price of car insurance to your place is probably helpful.

 It might assist in case you never spent extra than you've got got to, and it’s a good reminder to invite about reductions to get a charge towards the common.

However, don’t place too much religion in common car insurance (why is car insurance so expensive in texas) fees. They can best offer you a lot of information on the general image of insurance.

 Several standards move into calculating your rate, and they each depend on the driving force and the insurance provider from whom you bought a quote. 

There are considerable differences in fees now no longer best within Texas however additionally within cities. Your location has a considerable effect on your coverage. Even moving some miles down the street to a different zip code can have an effect on your prices.

Why is Texas auto insurance so expensive?

Insurance companies set their prices based on ZIP codes. Texas is the second maximum populous nation in the United States. Furthermore, the great majority of the Texas populace lives withinside the triangle made from the Dallas-Fort Worth metropolitan area, Houston, and the San Antonio-Austin metropolitan area.

With it being such a huge nation and with a maximum of the populace living inside only a few areas, car insurance prices vary wildly throughout the nation.

 Insurance companies set their prices primarily based totally on elements inside a certain ZIP code.

It’s now no longer nationwide, it’s all based on ZIP codes. This approach is that the people residing in West Texas are paying lots much less in car coverage rates than the humans living in Houston. 

In fact, Houston is one of the greater high-priced towns for car insurance withinside the country. It’s now no longer the maximum high-priced, however, it’s on the list.

Reasons Why Insurance Is High In Texas Cities

Rural Texas doesn’t have as high of rates of Insurance, but the big cities like of Texas, especially Houston, do have higher rates compared to other cities. There are a few reasons for this.

1. A high wide variety of car accidents

With one of this massive quantity of humans living in some areas, site visitors are turning into very congested. It’s easy math: with a better number of cars in a small area, there’s an extra threat for an accident. This is precisely what’s taking place in Texas’ cities and the cause for an improved number of accidents on Texas roadways.

2. More high-priced vehicles

Texans are purchasing greater high-priced cars, with today and best technological advances. 

Newer cars are ready with more and more sensors, they've Wi-Fi and Bluetooth technology, and in lots of methods resembled driving computers. Some of today's fashions also are beginning to function as self-riding capabilities, which pushes the price even higher. 

This makes repairing or changing those cars greater high-priced for insurance companies.

3. High-pace limits and reckless driving

This also can assist give an explanation for the general growth in car accidents. Texas’ common speed limits are one of the maxima in the country.

 When you combine this with the reality that many Texans power very rapidly, and a lot of them have large vehicles, it turns into a recipe for an accident. Big, luxurious vehicles driving very rapidly in congested areas will bring about greater accidents.

4. Increasing Number of DUIs

Unfortunately, Texas has the very best quantity of DUIs that bring about fatalities in the country. In 2016, there had been 1,438 fatalities in Texas. 

There had been over 10,000 accidents from DUI accidents in 2016. This is a large motive why car insurance prices appear to be better in Texas. 

With such a lot of DUI accidents and fatalities, insurance corporations are paying out a number of cash in claims.

 Just as importantly, they're additionally projecting to pay out a number of claims cash in the coming years, knowing that Texas has large trouble with DUIs. The proper news, for drivers with DUIs on their record, is that the Texas Automobile Insurance Plan (TAIPA), allows high-danger drivers to keep legal insurance without breaking the bank.

Natural calamities

Texas has the very best frequency and form of natural failures withinside the United States. Hurricanes, flooding, wildfires, and hail storms are all examples of this. Car insurance prices elevated by 8% following Hurricane Harvey in 2017

Cheap Auto Insurance Options for Texans Company Average Yearly Rates


1 Fred Loya         $550

2 Texas Farm Bureau $620

3 A-MAX             $750

4 State Farm   $800

5 GEICO           $930

6 Dairyland         $960

7 Nationwide   $1100

8 Allstate   $1400

9 Mercury           $1440

10 MetLife           $1530


Cheapest liability auto insurance companies in Texas

Below are the Company and there Average annual premium

State Farm  $527

Fred Loya Insurance  $545

Dairyland  $831

Chubb  $913

Nationwide $926

Geico  $940

Allstate  $1,395

MetLife  $1,831

Cheapest full coverage auto insurance: Fred Loya

There isn't any single definition of complete insurance coverage, however, the time period usually refers to car coverage that consists of complete and collision coverage. 

In Texas, the average annual fee of a complete insurance policy is $2,653. The most inexpensive coverage organizations for complete insurance are similar to those for minimum liability: USAA, Fred Loya Insurance, and State Farm.

Texas auto insurance rates by county

Find the following five counties, on average, have the most expensive annual auto insurance rates in Texas City:



1. Kenedy — $1,736; 14.1 percent above average

2. Starr — $1,721; 13.1 percent above average

3. Liberty — $1,717; 12.9 percent above average

4. Dallas — $1,710; 12.4 percent above average

5. Hidalgo — $1,709; 12.3 percent above average

Find the following five counties, on average, have the cheapest auto insurance rates in the state city:


1. Tom Green — $1,302; 14.4 percent below average

2. Wichita — $1,322; 13.1 percent below average

3. Midland — $1,340; 11.9 percent below average

4. Terrell — $1,357; 10.8 percent below average

5. Presidio — $1,359; 10.7 percent below average

How much is car insurance for a 17-year-old?

The common value of complete insurance car coverage to feature a 17-year-old driver to their parents’ present policy is $2,376 according to year.

For comparison, the common cost of complete coverage car insurance (why is car insurance so expensive in texas) withinside the U.S. is $1,625 according to 12 months for a married couple. 

Because 17-year-olds are still minors and can not personal a policy themselves, this top rate displays the difference in fee to feature the youngster to their parents’ policy. This determination does now no longer include insuring a car bought on your 17-year-vintage to drive.

full coverage premium for 17-year-old males $2,612 annually

full coverage premium for 17-year-old females $2,141 annually

You May Also Read :

Cheap car Insurance Bartlesville OK

Ameriprise auto insurance 2022 Phone number contact email id login

Long term care insurance washington state 2021

Car insurance with no license 2022

So here we concluded the topic of why is car insurance so expensive in texas.


Car insurance bartlesville | Cheap car Insurance Bartlesville OK | Bartlesville Oklahoma Cheapest Auto Insurance

Car insurance bartlesville | Cheap car Insurance Bartlesville OK | Bartlesville Oklahoma Cheapest Auto Insurance




The car insurance bartlesville state farm car insurance bartlesville oklahoma. The Cheapest Auto Insurance Bartlesville, Oklahoma and we will also cover the Best & Cheapest Car Insurance in Bartlesville, OK.This article will cover Cheap Car Insurance Quotes in Bartlesville, OK.So lets start with the topic car insurance bartlesville.

car insurance bartlesville



We have made auto insurance clean and trouble lose. With our Anonymous Quoting System, this is the quickest online auto coverage quoting method in the industry, a client can get hold of a quote in 1 minute and entire the whole policy online in five minutes.


There is truly not anything love it in the auto insurance industry. Here are a few different motives why Cheapest Auto Insurance is the region to find trouble-free less costly auto insurance.


No Credit Checks

No Middleman

Fees State of the artwork APP

Low First Month Payment

Anonymous Quoting System


How to find the cheapest car insurance in Bartlesville, Oklahoma



Auto insurance fees in Bartlesville are less expensive than in their neighboring towns Tulsa and Broken Arrow. Bartlesville is domestic to the well-known Price Tower. Bartlesville has a populace of 36,412. Bartlesville car insurance charges have stayed constant during the years.


Many insurance businesses have less costly fees in Bartlesville. Due to Bartlesville having a smaller population and being further from Tulsa it is simple to find less costly car fees. Here at Cheapest Auto Insurance, we've got made Bartlesville car insurance less costly for all drivers.


With Bartlesville being mostly flat open land, hail storms and tornadoes can purpose car insurance businesses to be at remarkable risk of paying out big quantities of cash on claims because of those natural disasters, specifically for car coverage businesses who have a big ee-ebook of complete insurance on their books of business.


The right manner to locate the most inexpensive car insurance in Bartlesville is to have a secure riding file for 3 years and the right insurance history. We have discovered those are key elements that car insurance businesses examine whilst putting their month-to-month fees. Many matters are out of the client’s hands in relation to car insurance fees however those are matters as a client that you could control.


Why You Need Auto Insurance in Bartlesville


You can’t fix mistakes made by other drivers, but you have to look out for yourself. It’s easy you have to see how much of a favor you will do for yourself by having a vehicle insurance policy in place. If your vehicle experiences damage, in that case, auto insurance is supposed to help you pay for the costs of your recovery. So All accidents cost money, and the right policy can help you lessen the financial ramifications.



Understanding your auto insurance coverage


Sometimes it's very hard to understand the policies. In that case, It is important to contact your auto insurance agent or company to go over your policy to make sure you are covered correctly and not overpaying for coverages you do not need.

Below list of coverages on your auto insurance policy you can choose from:



Bodily Injury Liability and Property Damage

Medical Payments

Uninsured Motorist Coverage

Personal Injury Protection

Rental Car Reimbursement Coverage

Roadside Assistant/Towing

Comprehensive Coverage

Collision Coverage



Cheap auto insurance for good drivers in Bartlesville


If you are a safe driver and looking for cheap auto insurance in Bartlesville

Then below are a few insurance companies:

· Geico
· Progressive
· Save Money Auto Insurance

For finding cheap insurance quotes is requesting all the discounts you qualify for.

Not all auto insurance companies offer discounts at the beginning of the quote so you can request some discounts here:
· Safe Driver
· EFT
· Paperless Billing
· Multi-car
· Prior Insurance
· Renewal discounts


How much does auto insurance cost in Bartlesville?




The average liability auto insurance rate for an adult in Bartlesville with no previous insurance is about $54 monthly. Here are a few key factors auto insurance companies look at when setting their prices:
· Age
· Driving record
· Insurance history
· Credit score


Not all car insurance companies use credit as a primary rating factor in Bartlesville OK. Most nonstandard auto insurance companies do not use credit as a rating factor. Below are the few nonstandard auto insurance companies in Bartlesville

· Key
· Traders
· Save Money Car Insurance


Here are examples of a few Preferred Insurance companies in Bartlesville:
· State Farm
· Allstate
· Farmers


You May Also Read:


Ameriprise auto insurance 2022 Phone number contact email id login

How to find full coverage auto insurance in Bartlesville


Full coverage protection rates in Bartlesville are less expensive than adjacent Tulsa. It truly assists with keeping full coverage insurance costs low by saving a decent driving record for a long time and nonstop protection for a considerable length of time.


Full-coverage insurance for the most part costs twice as much as responsibility just protection. Full coverage insurance is obligatory to have in case your vehicle has an advance on it. The majority of the vehicle sales centers in Bartlesville expect you to have full coverage insurance before you leave the parcel except if you don't back the vehicle.


Numerous lienholders will require a $500 deductible before you can leave with your new vehicle. The higher the deductible the lower your month to month protection costs are as well as the other way around with a lower deductible



Here are some auto insurance companies that sell full coverage in Bartlesville OK:
· State Farm
· Geico
· Progressive
· Save Money Car Insurance



It is very important to know the deductible you need before getting an insurance quote for full coverage. Below are the options of deductibles to choose from:
· $250
· $500
· $1000



state farm car insurance bartlesville oklahoma

Below are the Products and Services of state farm car insurance:

Auto Insurance
Homeowners Insurance
Renters Insurance
Personal Articles
Business Insurance
Life Insurance
Health Insurance
Banking
Annuities



Contact Details  state farm:- Click Here Website


Affordable Auto insurance quotes in Bartlesville


Here are a few ways that can help you to find affordable auto insurance in an efficient way.

1. Find an insurance merchant that shops for different insurance agencies for your benefit.

2. Observe a web-based statement examination website that can shop online for an enormous number of insurance agencies.

3. Find an insurance agency that accommodates your inclusion needs and your present circumstance.



The following are a couple of accident protection merchants in Bartlesville that we found:


Cheapest Auto Insurance

Stumpff Insurance

Phoenix Insurance



Below are a few sites of online quote comparison sites:
· The Zebra
· Everquote
· Smartfinancial



How to find cheap auto insurance in Bartlesville with a bad driving record?


Finding cheap auto insurance with a bad driving record can be a challenging task in Bartlesville. Our suggestion is. Try to find an insurance company that is best for your current situation and the phase of life. For example, if you do have tickets and in that case, you need t to contact a nonstandard auto insurance company



Below are some auto insurance carriers that provide cheap insurance for Bartlesville drivers:
· Save Money Car Insurance
· Key
· Progressive


How to find affordable liability insurance in Bartlesville

To find affordable liability insurance in Bartlesville you need to ask for liability-only auto insurance with 25/50/25 limits of liability which is the minimum threshold in Oklahoma.This policy will only cover the damages done to a third party; it will not cover your automobile though.

Below are some options of liability limits that you can choose from in Bartlesville:
· 25/50/25
· 50/100/50
· 100/300/100
· 250/500/250

So here we conclude the topic car insurance bartlesville OK.

Saturday, October 23, 2021

aa car breakdown insurance 2021 | contact number the AA email id cover

aa car breakdown insurance 2021 | contact number the AA email id cover


Today info. Related aa breakdown contact aa car insurance aa car insurance login aa car insurance contact number aa contact number breakdown cover rac breakdown cover aa UK's biggest car breakdown aa car insurance services thousands of AA customers AA car  insurance offers single-trip and annual European breakdown cover, which include recovery to a garage, costs of recovery back to the UK if repairs cannot be completed before departure date along with up to £1,500 for alternative travel, £50,000 in legal costs and emergency overnight accommodation up to £500


AA breakdown cover 2021 contect


If you are unfortunate enough to have broken down, you can call the AA for assistance on 0800 887766. 

These prices are for vehicle-specific cover. You can also buy these policies as personal cover, which will cover specified people if any car they are travelling in breaks down, although it's likely to cost a little more.


AA breakdown cover can be purchased online or over the phone direct from the AA and from the following price comparison websites:

CBS (comparebreakdowncover.co.uk)

  • PocketRate
  • Nerdwallet
  • Finder
  • Money.co.uk

aa car breakdown insurance Pros 


 AA's mix-and-match approach lets you tailor your policy so it only includes the cover you want. Unlimited callouts. Covered if you break down due to lack of maintenance (eg not changing oil) 

aa car breakdown insurance Cons 


 One of the most expensive breakdown cover providers in our analysis. No cover if you put the wrong fuel in your car (misfuelling). Only £5 cover for parts used in repairs.

You can report a breakdown by email or by using the AA app, which can track the progress of the breakdown patrol vehicle on your mobile phone.

The AA app also allows you to plan a route, get real-time traffic and roadworks updates, find parking and electric vehicle charging station locations, identify warning lights if they appear on your dashboard and access AA Smart Benefits exclusive to members.

How to cancel my AA breakdown cover?

If you wish to cancel your breakdown cover or membership, you will need to contact AA Customer Services on 0344 209 0754.

A cancellation fee of £20 may apply.

If, for instance, you have bought a new car which comes with breakdown cover included, AA members can put their policy on hold for a maximum of five years and then reactivate-it.