Is breakdown cover worth it?

My AA breakdown renewal came through and it is 3x more than new members have to pay. I’ve been with them ages! Like 15 years or so and barely used it.

Also, I (F) added my husband to my policy and they have automatically made him the account holder so I’m not allowed to call them to discuss the policy any more. It’s 2025!!! How do they work that out in same sex couples?!

Is it worth having breakdown cover or should I just cancel it?