Compare UK breakdown cover

Our breakdown cover policy documents give you the terms and conditions of the contracts that make up AA Breakdown Membership and AA Parts and Garage Cover (AA Breakdown Repair Cover).

They are split into two parts:

1. the policy
2. the membership arrangement and administration contract

AA Breakdown Membership

AA Breakdown membership terms and conditions – September 2024

AA Parts and Garage Cover (AA Breakdown Repair Cover)

AA Parts and Garage Cover Terms and Conditions Booklet – November 2021

Key Cover

AA Key Cover terms and conditions – September 2024

Member Extras

Member Extras Terms and Conditions Booklet – November 2021

About the price

10% of new AA customers paid £5.99 for monthly vehicle breakdown cover. Source: survey of new business sales from theAA.com, 1 November 2024 to 8 November 2024.

Prices shown include insurance premiums payable to the insurer(s) and a fee payable under a separate contract between you and Automobile Association Insurance Services Limited (AAIS) for arranging and administering your cover. Please see the terms and conditions for more information.

AA Breakdown Cover is arranged by Automobile Association Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority (FCA). You can check their register online. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Commercial vehicles

You’ll need to add Commercial Use if you want to cover any vehicle that’s used for:

• Carrying items/people for money
• Delivery or collection of goods
• Transporting passengers
• Carrying equipment, tools or materials
• A combination of private/domestic and commercial purposes

If you call us out for a commercial vehicle and only have standard breakdown cover, we may not be able to help or may have to charge a service fee.

If you want to cover a fleet (more than 3 vehicles) you'll need our Business Breakdown Cover.

Breakdown not routine maintenance

This cover provides emergency assistance when a vehicle suffers a sudden or unexpected mechanical or electrical fault that prevents it from being driven or continuing a journey safely. 

It does not cover cosmetic, non-emergency, self-induced faults or where we suspect third-party interference. Please do not try to use it as a replacement for routine servicing, maintenance, or repairs, or to cover faults caused by actions or omissions of the driver.

If you try to use this policy for a vehicle that has not been serviced or maintained appropriately, we may not be able to help or may have to charge a service fee.

Roadworthy and road-legal vehicles only

This cover provides assistance for vehicles that are roadworthy and road-legal. It does not cover vehicles that are unsafe, unroadworthy, unlawful, overladen or being used improperly.

Throughout the life of the policy, please ensure that vehicles are serviced annually (or following manufacturers’ guidelines), are maintained in line with manufacturer guidelines, are in good condition and safe to be driven on the road. Please also ensure that vehicles are taxed, insured and have a valid MOT certificate. 

If you try to use this policy for a vehicle that’s not roadworthy or road-legal, we will not be able to help you get back on the road.

Repeat call-outs and pre-existing conditions are not covered

Assistance cannot be provided if we have attended your vehicle and you call us out for the same fault within 28 days, unless you can provide proof that a permanent repair has been completed by a garage. Please arrange for a permanent repair to be made following a temporary repair carried out by us. 

Cover will not be provided for any known faults that existed before you purchased cover, so please do not try to claim for them. If you try to use this policy for a vehicle with a known fault or still has a temporary repair, we may not be able to help or may have to charge a service fee.

Covered vehicles and drivers

The policy covers vehicles that are up to 3.5 tonnes (3,500 kg) in weight and up to 8 foot 3 inches (2.55 metres) wide. 

Please do not use breakdown cover for vehicles that are heavier than 3.5 tonnes or wider than 2.55 metres. Assistance cannot be provided for vehicles that have been vandalised or subject to malicious damage, as these are insured events usually covered by motor insurance.

If you have a vehicle-based policy, then the vehicle registered with the AA is covered for all drivers. 

If you change your vehicle, please ensure that you update us promptly.

If you have a personal-based policy (single, joint, family) then a vehicle is covered only if the member is a driver or passenger in that vehicle when it breaks down. Assistance cannot be provided if drivers or passengers are abusive or uncooperative.

How do you use my data?

To find out how we use your data, please read our website privacy notice and our specific roadside product privacy notice.

For more information, there's also our cookie policy and website terms and conditions.

Some providers may offer a UK-wide service, but it’s important to check the size of their fleet. Smaller providers may not be able to offer much coverage in remote and rural areas.

The AA covers all UK locations, including the Scottish islands, Northern Ireland and the Isle of Wight.

This will depend on what level of cover you choose, how many people you add to your policy and w your date of birth and post code. To see how much you would pay, you can get a quote.

Typically it’s cheaper to get breakdown cover for a vehicle – this is known as vehicle breakdown cover. However, if you often drive different vehicles or travel as a passenger in other vehicles, personal cover could offer better value.

If you’re wondering who is best, The AA, RAC or Green Flag, the Brand and Market Tracker study from March 2022 to March 2024 shows that The AA is the best breakdown service in the UK. The study in question asked UK drivers to rate us vs other major breakdown providers, including RAC and Green Flag.

Each service may have its strengths and its weaknesses – if you’d like to see how we stack up, you can check our AA vs RAC and AA vs Green Flag guides.

Our standard level of breakdown cover (Roadside Assistance) is available once you're more than ¼ mile away from home. We’ll help you any time of day or night in the UK, and if we can’t fix your vehicle by the roadside, we’ll tow you to a local garage for repair.

You can cover just your vehicle, or you can choose to cover yourself and up to 3 other people in any vehicle you’re travelling in:

Vehicle cover – cover for one single vehicle in your household, no matter who’s driving it. Great if you’re sharing a car with friends or family.

Personal cover – cover for you as a passenger or driver in any vehicle. Perfect if you own, borrow or regularly travel in more than one vehicle. Personal cover is our name for multi-car breakdown cover.

If you live with others who also need cover as a driver or passenger in any car, you can opt for a policy the covers them too. Choose breakdown cover for 2 people (joint policy for you and one other person), or family cover (you and up to 3 other people in your household).

If you add the following optional extras to your breakdown cover, we’ll also

• arrange travel for you and up to 7 passengers to wherever you need to be in the UK, up to 3 times a year (Onward Travel)
• take you, your vehicle and up to 7 passengers to a single destination in the UK (National Recovery)
• come to your doorstep (cover At Home), if you have trouble starting the car at home
• help towards expenses if your vehicle needs parts or garage work after we’ve tried to fix it at the roadside (Parts and Garage Cover).

We also offer European breakdown cover.

If you need help deciding on your level of cover, you can compare breakdown cover.

As the UK's largest breakdown cover provider, we we have more expert Patrols than anyone else².

We get to most of our customers in under an hour¹ – and we give priority to people in vulnerable situations.

We’ve got you covered if your car, motorbike or caravan breaks down and needs repairing by the roadside.

We’ll come to your rescue anywhere in the UK. Call us right away, or use our app to report your breakdown, pinpoint your location and track our arrival.

If your vehicle needs extra work done, they’ll tow it to a nearby garage, as standard.

Our Roadside Assistance, National Recovery, At Home and Onward Travel bundle has been awarded a Defaqto 5-star rating.

Find out more on how our breakdown cover works

If you purchase breakdown cover with us you can choose to pay annually by card or direct debit, or monthly by direct debit. 

If you pay annually, you’ll pay up front for a fixed 12-month breakdown cover policy and the overall price for a year will be lower than 12 monthly payments. Please note that in some circumstances – such as promotions – annual payment may not be cheaper than 12 monthly payments. There’s no refund if you cancel after your 14-day cooling-off period. You can choose how your policy renews when you set up your cover and can opt out of autorenewal at any time if you change your mind.

We’ll use the payment details you provide to renew your cover automatically so that you’ll always be covered. Before the end of your first year, you’ll receive a renewal notice with the price of membership for your second year – so you’ll have plenty of time to change or cancel your cover

If you pay monthly, your account will be debited every month until your breakdown cover policy is cancelled. This gives you the convenience of paying per month, together with the flexibility of being able to cancel your cover at any time. After the 14-day cooling-off period, you'll just need to give us 30 days' notice.

Your payments may change at any point, but we’ll let you know at least 45 days in advance – giving you plenty of time to change or cancel your cover.

Our breakdown cover will activate 24 hours after purchase. You can also choose to buy cover that starts up to 2 months later.

Just so you know, you can’t buy cover online if you’ve already broken down. If you need to buy instant breakdown cover at the roadside, call us on 03330 046 046.

If you have breakdown cover with us, we can help you at the scene of a road traffic accident with our Accident Assist service.

Once we’ve had the all-clear from any emergency services, we’ll do our best to make repairs to your vehicle so it’s safe to drive away from the scene. If that’s not possible, we’ll recover your vehicle and tow it to a nearby garage.

Find out more on what to do if you’ve been in an accident

With Roadside Assistance, if we can’t get you going again, we’ll tow you to a nearby garage – where you'll need to cover the cost of any repair work.

If you add Parts and Garage Cover, we’ll help cover the costs of garage repairs, which might work out cheaper.

We can’t be called out for routine maintenance or running repairs.

Along with cheap breakdown cover, membership gives you extra perks such as restaurant deals and offers on car hire, added incentives the longer you're with us, and discounts on our other services.

Our breakdown cover includes most:

• Petrol/diesel/electric/hydrogen cars of any age (including classic cars)
• Motorbikes (including quads and trikes)
• Vans
• Motorhomes
• Minibuses
• Caravans and trailers on tow at the time of breakdown

Your vehicle must be under 3.5 tonnes (3,500kg) and 8ft 3in (2.55m) wide, excluding mirrors. The same maximum weight and width separately apply to any caravans or trailers you’re towing. Your vehicle must also be roadworthy, taxed and have an up-to-date MOT.

Please do not use breakdown cover for vehicles that are heavier than 3.5 tonnes or wider than 2.55 metres. Assistance cannot be provided for vehicles that have been vandalised or subject to malicious damage, as these are insured events usually covered by motor insurance.

If you have a vehicle-based policy, then the vehicle registered with the AA is covered for all drivers. 

If you change your vehicle, please ensure that you update us promptly.

If you have a personal-based policy (single, joint, family) then a vehicle is covered only if the member is a driver or passenger in that vehicle when it breaks down. Assistance cannot be provided if drivers or passengers are abusive or uncooperative.

Our breakdown cover excludes vehicles that are:

• On trade plates
• Used to carry items or people for money – unless you include our Commercial Use product
• Non-motorised

Vehicles that can’t lawfully be used on a public highway are also excluded.

Learn more about our cover for different types of vehicles:

• Electric car breakdown cover
• Motorbike breakdown cover
• Caravan and motorhome breakdown cover
• Business vehicle breakdown cover

Yes – but you have to include our Commercial Use product to be covered for the following:

• Carrying items/people for money
• Delivery or collection of goods
• Transporting passengers
• Carrying equipment, tools or materials
• A combination of private/domestic and commercial purposes

If you call us out for a commercial vehicle and only have standard breakdown cover, we may not be able to help or may have to charge a service fee.

If you want to cover a fleet (more than 3 vehicles) you'll need our Business Breakdown Cover. If you want to cover a larger vehicle (3.5 tonnes or more or wider than 2.55 metres you'll need to take out pay as you go cover.

No – this cover provides emergency assistance when a vehicle suffers a sudden or unexpected mechanical or electrical fault that prevents it from being driven or continuing a journey safely.

It does not cover cosmetic, non-emergency, self-induced faults or where we suspect third-party interference. Please do not try to use it as a replacement for routine servicing, maintenance, or repairs, or to cover faults caused by actions or omissions of the driver.

If you try to use this policy for a vehicle that has not been serviced or maintained appropriately, we may not be able to help or may have to charge a service fee.

Yes – this cover provides assistance for vehicles that are roadworthy and road-legal. It does not cover vehicles that are unsafe, unroadworthy, unlawful, overladen or being used improperly.

Throughout the life of the policy, please ensure that vehicles are serviced annually (or following manufacturers’ guidelines), are maintained in line with manufacturer guidelines, are in good condition and safe to be driven on the road. Please also ensure that vehicles are taxed, insured and have a valid MOT certificate.

If you try to use this policy for a vehicle that’s not roadworthy or road-legal, we will not be able to help you get back on the road.

No – assistance cannot be provided if we have attended your vehicle and you call us out for the same fault within 28 days, unless you can provide proof that a permanent repair has been completed by a garage. Please arrange for a permanent repair to be made following a temporary repair carried out by us.

Cover will not be provided for any known faults that existed before you purchased cover, so please do not try to claim for them. If you try to use this policy for a vehicle with a known fault or still has a temporary repair, we may not be able to help or may have to charge a service fee.

If we’re unable to fix your vehicle at the roadside and need to tow you and your passengers, we do our best to welcome pets wherever possible. If we can't take your pet, we'll do what we can to help get them home.

We recommend you use suitable travel carriers for your pet or restraints that you can use on any vehicle – so we can take your pet where they need to go safely.

Find out more on what happens to your pets when you break down

Yes – if you have drivers in your household living away from home at university or a temporary address in the UK, they're still included in your family breakdown cover policy.

We have 2 options if you want to cover a vehicle for commercial purposes.


If you want to cover up to 2 vehicles, you can include Commercial Use in our standard breakdown policy.

If you want to cover a fleet (3 or more vehicles) you'll need our business breakdown cover.

Follow these four steps if you break down:

1 – Make sure you’re in a safe place. Move your vehicle off the road if possible, or pull up onto the hard shoulder if you’re on the motorway.

2 – Stay well away from moving traffic – it’s usually safest to get out of your car (using the doors facing away from passing traffic) and wait behind a barrier.

3 – Put your hazard warning lights on and wear a reflective jacket, if you have one.

4 – Once you’re safe, give us a call on 03330 046 046. We’ll come and rescue you, even if you’re not a member yet.

If you’re already with us, you can also report a breakdown and pinpoint your location using our app. It's the fastest way to ask us for help and track our arrival.

Find out more on what to do if your car breaks down

You only need to let us know if you have vehicle cover. Tell us as soon as you can, so we can update your membership details – and check your new vehicle is eligible (T&Cs apply). Once you've updated us, you’ll be covered in 24 hours.

Call our free helpline on 0330 053 0460.

If you need information in large print, audio or Braille, just ask – you can email our customer services team at [email protected], or let us know when you call our helpline.

If you’ve broken down, you can text us on:

07860 027 999

To use the Next Generation Texting Service (NGTS – formerly known as Text Relay), just add 18001 at the start of any of our numbers.

If you require any additional adjustments (e.g. documents in large print, audio or Braille) or you need us to tailor our service to your specific requirements in the event of a breakdown, call us on 0330 053 0460.

Textphone users can prefix this number with 18001.

If your current situation is affecting how you manage your finances and you require additional help or support, call us on 0330 053 0460.