Stop wasting your money on PMD policies

I had a flat battery on 25/02/2016, I called PMD Roadside Assist at 18:21, I spoke to a gentleman who told me that my policy had expired (so I asked how that could be since the premiums were being debited against my account) and advised that they could send someone out to assist but I would have to pay the person in cash and call the next day to arrange a refund. I asked I could be refunded on a contract that had expired -- he couldn't give me an adequate answer, so I hung up. At 18:34 (now extremely desperate for assistance) I decided to call again, this time I spoke to a different agent who told me a different story (my policy wasn't expired but I apparently my roadside assist policy only covered me for towing benefit) she also advised that they could send someone to assist but I would have to pay cash for that and call the next day to try claim a refund. I didn't even have my wallet with cash on me at the time and even if I did, why am I paying premiums for roadside assist? (precisely because I don't want to incur these sorts of expenses in an emergency!). So I had to remain stranded for hours waiting for a friend to come and jump start my battery.