AA Parts and Garage cover

Any members that have this and have encountered problems of any kind, for eg they say 5 claims per year up to £500, but if the bill was say £600 can u put the £100 to it and they still go ahead ?
 
I have asked since, but was just wondering if anyone who took it out had issues over things like recent service history or the wear n tear small print. Dont seem to bad £20 month for 2 people 2 cars with their top cover plus the parts n garage cover and hire car etc. If the bill was over £500 I can pay the remainder, other questions were can i choose the garage and that was a yes. Off to Barry in the Vale of Glamorgan in a couple of weeks plus my son will be based way down south when his tour in Afghan is up, so i foresee regular trips there. "Sry sir your blown turbo is wear n tear" hmm lol
 
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