Back in the dark days when I was with Axa I called their motor rescue line after my headlamps failed as I drove on a dark country road in west Dublin. I drove with hazards on to the nearest safe parking area, a supermarket car park. I called the motor rescue from there and they came about an hour later. The guy tinkered about under the bonnet for a while, no it definitely wasn't the bulbs, no it definitely wasn't the fuse. Oh no, he couldn't fix it.
Loaded car onto tow truck and drove to my house - I had to pay the toll on the way. Next morning I took it to the garage up the road, after 2 mins they changed a fuse and like magic my headlamps worked again. I had been on my way down to Cork so I lost a day of my trip due to the "expert" provided by Axa. Just one of the many reasons I did not renew with them that year and would even choose a more expensive provider if Axa were the cheapest. Never again!