Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

AA Breakdown review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

AA Breakdown suits UK households that want a single personal insurer for the car and the roadside callout, with premiums starting at £5.49 a month on monthly payments. The tradeoff is a claim limit of GBP 535 per claim for Parts and Garage Cover on parts and garage work, from a provider based in the...

Key facts

Best for
UK households wanting car cover and breakdown help on a single monthly policy.
Premium from
£5.49↗
Insurance types
Breakdown, Auto, Home, Travel, Van, Motorcycle↗
Provider type
Insurer↗
Monthly payments
Yes↗
Excess from
£0↗
Cover limit
GBP 535 per claim for Parts and Garage Cover↗
Claims channels
Phone, App, Online↗
Legal entity
Automobile Association Insurance Services Limited↗
Headquarters
United Kingdom↗
Founded
1905↗
Support channels
Phone, Chat, Email, Help-centre↗
Pricing model
Monthly
Official website
theaa.com

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataTrustpilotX

Pros and cons

Pros

  • Monthly payments are available and the listed pricing model is monthly.
  • Breakdown cover starts with an excess of £0.
  • Claims can be raised on phone, app and online.
  • Personal cover support runs on phone, chat and email.

Cons

  • Claim payout on parts and garage work is capped at GBP 535 per claim for Parts and Garage Cover.
  • The only pricing model listed is monthly.
AA Breakdown

Ready to try AA Breakdown?

Scored 9.5 / 10 by SumCue.

See alternatives

Who it suits

  • UK households that keep their car cover and breakdown help with a single monthly insurer (monthly).
  • Drivers who want to start a claim on phone, app and online and reach personal cover support on phone, chat and email.
  • Readers comfortable with an excess of £0 on breakdown claims.

Who should look elsewhere

  • bunq, if a euro account priced from €0 suits you better than UK personal insurance.
  • bunq Spain, if you would rather see premiums from €0 outside the UK.
  • Linxea, if a life plan starting at €25 appeals more than a monthly insurance premium.

Safety of your money

AA Breakdown is an insurer, so the cover sits with an insurance company rather than a broker or a comparison site. The policy is written by Automobile Association Insurance Services Limited in the United Kingdom, and the Financial Conduct Authority is the regulator listed for that market. Claim limits and excesses are set out in the policy wording, so read those terms before you buy.

How AA Breakdown compares

Where AA Breakdown is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does AA Breakdown cover?+

AA Breakdown lists breakdown, auto and home under its insurance types, with breakdown cover as the lead product and personal cover offered on a monthly pricing model for households based in the United Kingdom.

How much does AA Breakdown cost?+

Personal cover starts at £5.49 a month, below the car insurance median of €8.50 on starting price. Monthly payments are available and the listed pricing model is monthly, so the cost is spread across the year rather than settled in a single payment.

Is there an excess on AA Breakdown claims?+

The listed excess starts at £0, which is a light starting point for a claim, but the amount a claim pays on parts and garage work is capped at GBP 535 per claim for Parts and Garage Cover. Anything beyond that limit sits with the driver.

Who regulates AA Breakdown?+

AA Breakdown is an insurer, and the policy is issued by Automobile Association Insurance Services Limited in the United Kingdom. The Financial Conduct Authority is the regulator listed for that market, so the contract is with an insurer rather than a broker.

How do I make a claim with AA Breakdown?+

Claims can be raised over phone, app and online, so help is available by phone, in the app or online. Personal cover support runs on phone, chat and email, which adds chat, email and a help centre to the same set of routes.

Is AA Breakdown available outside the UK?+

The provider is based in the United Kingdom and the personal cover is written for UK drivers, so treat it as a UK product. Readers wanting euro pricing instead can look at bunq, where premiums start at €0.

Who does AA Breakdown suit?+

AA Breakdown fits UK households who want their car cover and breakdown help from a single monthly insurer, and who like being able to start a claim on phone, app and online. It also suits readers who are comfortable with a GBP 535 per claim for Parts and Garage Cover cap on a parts and garage claim.

Sources

  • theaa.com/about-us checked September 26, 2026

    Backs: Founded

    “Not much has changed on that front since June 1905, when four driving enthusiasts banded together in London to form the AA.”

  • theaa.com/breakdown-cover checked September 26, 2026

    Backs: Claims channels, Cover limit, Provider type, Excess from, Insurance types, Pricing model, Monthly payments

    “The AA App or online are the fastest ways to report a breakdown and share your location and vehicle details”

  • theaa.com/breakdown-cover/personal-cover checked September 26, 2026

    Backs: Headquarters, Legal entity, Premium from, Support channels, Licences

    “Registered office: The AA, Level 3, Plant, Basing View, Basingstoke, Hampshire, England, RG21 4HG.”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

AA Breakdown

AA Breakdown

UK households wanting car cover and breakdown help on a single monthly policy.

9.5/10See alternatives