Reduce your repair costsHelp with garage bills after a breakdown – handy when a single part can cost hundreds of pounds
Up to £535 per claimAnd you can claim up to 5 times a year (with just a £35 excess each time)
Cover up to 4 vehiclesOn a single policy, as long as they're all registered at the same address
Parts and Garage Cover
If you need more than a fix at the roadside
We’ll help reduce your garage repair bill after a breakdown.
What's Parts and Garage Cover?
We know that repairs can be an unexpected cost. That's why we created Parts and Garage Cover (also known as Breakdown Repair Cover) to help with these.
It pays for many of the spare parts we use to fix your vehicle at the roadside that we'd normally charge you for, or it can pay for work that's done in a garage after a breakdown.
You're covered for 5 claims per policy year (6 claims if you cover more than 1 vehicle on a joint or family policy).
Each time, you can claim up to £535 worth of repairs (including a £35 excess) – just give us a call before any garage work is started.
And we'll cover vehicles of any age, any mileage.
How it works
Parts and Garage Cover comes into play after you've called us out for an electrical or mechanical breakdown.
If we replace any parts covered by your policy, or if your vehicle needs to go into the garage for further repairs, you can claim up to £535 towards the expenses..
We'll get you to a nearby garage that can carry out the work (or, depending on your level of cover, you can choose a garage in a different UK location if that's more convenient).
Just so you know, you can't use it to fix a pre-existing fault, or claim within the first 14 days of your policy.
Saving you money
Some of the most common causes of breakdowns we see are down to faulty mechanical or electrical parts.
If they can’t be fixed, the average costs of replacements and repairs include:
- Starter motor – £209
- Radiator – £210
- Alternator – £277
- Turbo – £336
But with Parts and Garage Cover to help cover the costs, you only need to pay the £35 excess for your claim.
I'm already a Member. Can I add it to my cover?
To add Parts and Garage Cover to your existing AA cover, call us now on 0343 316 4444 to get a quote and update your policy.
If you're new to the AA, you can add it to your cover when you buy online.
Your Parts and Garage Cover activates after a 14-day claim exclusion period. This means you can use it at any point after the first 14 days of your policy.
Can I cover my vehicle?
We cover vehicles of any age or mileage, but this doesn’t include caravans and other trailers, or kit cars.
Parts and Garage Cover can't be used for business vehicles (known as 'hire and reward'). That means we can't cover taxis, driving instructor cars, ice cream vans or parcel delivery, courier or haulage vehicles.
You’ll need to keep your vehicle serviced in line with your manufacturer’s recommendations, and this must be done by a suitable garage.
How many vehicles can I cover?
You can cover up to 4 vehicles on a single policy, depending on your level of membership:
- If you hold vehicle cover, you'll be covered for the named vehicle on your policy
- If you hold personal, joint or family cover, you can cover up to 4 vehicles, as long as they're all registered at the same address
What does pre-existing fault mean?
You can only claim on Parts and Garage Cover after you've called us out for a sudden mechanical or electrical fault that's stopping you from starting or continuing your journey.
If we've replaced some parts, or if your vehicle needs to go into the garage for further repairs, we'll help you cover the costs.
A pre-existing fault is one that you're already aware of but haven't got around to fixing yet. We don’t cover the costs for repairing these.
How do I make a claim?
To make a claim under your Parts and Garage Cover, you'll first need to call us for breakdown assistance.
If we can fix your vehicle at the roadside and you need a part replacement, you'll only need to pay the £35 excess to the patrol.
If a garage repair is needed, contact our claims helpline on 0344 579 0042 before the work is started. We'll confirm if it's covered once the problem is diagnosed. If it is, we'll authorise the garage to carry out the work.
We'll also help to make sure the process of getting your vehicle repaired is as simple, quick and hassle-free as possible. We manage all aspects of the repair with the garage to get you back on the road as quickly as possible.
We can even arrange to pay the breakdown repair bill directly to the garage.
Just so you know, the garage must get confirmation of cover and authorisation from us before any repair work is started in order for you to be able to make a claim.
A claim on your Parts and Garage Cover can't be made for any faults that occur during the first 14 days after your agreed policy start date.
If you change your vehicle you also won’t be able to claim for it until 14 days after making the change.
Find out more on how to claim
Can I choose where I get my car repaired?
Where possible, we'll aim to repair your vehicle through one of our recommended garages – that way, we can pay the garage direct. Your claims advisor can tell you about them and let you know which garages are in the scheme.
But we can get your vehicle to a professional repairer of your choice if you prefer.
Are there any parts you don't cover?
We'll cover repairs for electrical or mechanical parts that have suddenly failed and caused a breakdown.
However, we don't cover:
- Worn out friction surfaces (clutch)
- Sun roof motors and mechanisms, folding roof mechanisms, door and boot locks and lock mechanisms, lamps, bulbs, speedometer or odometer
- Exhaust systems
- Any body parts or trim (including motorcycle frames and fairings)
- Roof frames, folding roof fabric
- Keys (lost or stolen)
- Glass, or non-glass windows
- Air-conditioning parts (unless a fault has directly caused a breakdown)
- Consumables: oils, filters or anti-freeze (unless it's been replaced as part of a paid claim)
- Damage or failure due to incorrect or contaminated fuel, or fuel particulate filters
- Items that are checked and changed as part of regular servicing and maintenance, including: brake pads, discs, drums, shoes, windscreen wiper blades, screen wash, tyres, fuel and air filters, spark plugs or fluids (anti-freeze, oil/lubricants, brake fluids, gearbox or transmission fluid, clutch fluids, coolants or screen, wash, unless they've replaced as part of a paid claim)
Good to know
AA Breakdown Repair 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.