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@Dammit
I have the HSBC plus account, which includes road side assistance- but I suspect that this is included as it is rubbish.
If the AA chap turns up and your car has done something which he cannot fix by the roadside (i.e. anything serious at all) then he will then drive off, leaving you there.
You need the "relay" option for the AA to be truly usefull.
Road side assistance, as far as I can see, means jump-starting the car or replacing a headlight bulb, that's pretty much it.