Paying towards roadside assistance

Asalamualaikum.

Asalamualaikum Hazrat.

This is a question from a friend of mine who is an ‘Alim. He specifically asked me to put this question forward to you. I understand you may have answered something similar to this before, but this is on behalf of a friend. Please bear that in mind.

Question:

I have a question regarding parts and labour cover with AA vehicle rescue service. It’s a roadside assistance provider. This is their official site:

https://www.theaa.com/breakdown-cover/

Last year I took out the cover for my car it costed me £150 for the year. It covered me for rescue of my car and all its passengers anywhere inside the UK and also supply and fit of any part. I never broke down nor did I have a problem with the car hence I didn’t need to call AA.

This year my premium dropped to £100 for the same parts and labour and rescue cover. However, this year my car injector had an issue and needed changing so I called them out and they arranged for all parts and labour which the garage charged the AA £500 for. I didn’t pay towards it because it was covered.

Is this permissible? A friend told me he understands the rescue service not being based on uncertainty if we look at it from an angle of AA being a service where we pay for them being on call 24 hours a day, hence our money doesn’t go towards uncertainty, rather we pay for their 24 hour-ready service.

But, how about the parts and labour this is based on uncertainty as in my example? I paid £100 and I received parts and labour to replace the part worth £500. Next year I could or could not need them for any parts. That’s uncertainty.
Have I done wrong? What is the ruling regarding what I have done? Am I allowed to continue with this cover or is it impermissible?