Like all insurance it's something you hope you never need. For my wife's safety and peace of mind I have had some form of cover for many years, too many to remember how long. I used it once (not Toyota) at least 28 years ago to get a motor caravan home over a distance of about 25 miles. Fixed the fault later myself. I have had the Toyota Assistance since buying my Avensis in 2012. I have used it once at home a few weeks ago, flat battery due to me leaving an interior light on seemingly, the AA arrived within 30 minutes of the call, very courteous engineer who checked the battery state and charging system before leaving. It's been fine since. The Toyota service also gives European cover too. So over the years I have clearly paid more out more than I have reaped. However am not willing to take the risk of being miles away in the middle of nowhere and needing help.