Family breakdown cover

Our family breakdown cover protects you and up to 3 other people you live with. These can include family members, a partner and children – including students living elsewhere during term time.

With family breakdown cover, we’ll help whether you’re travelling by motorbike, car, or a small to medium van for everyday domestic use. Your vehicle is covered if it’s within:

• 3.5 tonnes in gross vehicle weight
• 2.55 metres in width
• 7 metres in length

If you’d like protection for a commercial vehicle, you’ll need to add Commercial Use to your policy. With this, you can include up to 3 vehicles for both private and business use – and you’ll still be covered as a driver or passenger in any non-commercial vehicle.

No, personal breakdown cover only covers the individual named on the policy. For family coverage, you need to get a family breakdown cover policy, which covers up to 3 people you live with.

No, you cannot use another family member’s breakdown cover if you are not named on their policy. Each member must be covered under the policy to receive assistance. For comprehensive coverage, consider a family breakdown cover policy that covers the people you live with. 

Yes, you can add your child to your AA membership. With family breakdown cover, you can include children that live at the same address as you, as well as those who live away from home during term time. This means they’ll be covered in any vehicle they’re in, even if they're just a passenger in someone else's car. This cover also applies to young children who aren’t old enough to drive. If you're a Silver member, your children aged 17 and under are covered at no additional cost.

Yes, you can add a non-family member to your breakdown cover. Family breakdown cover is designed to be flexible, allowing you to include additional members who live at the same address, regardless of their relationship to you. This means you can add friends, housemates, or other non-family members to your policy. 

Once they’re registered on the membership they will become a member. They will be able to log into the app where they can access their membership card and details. They will need to confirm membership number and confirm their home address to receive service. 

Learner drivers can be covered under family breakdown cover, if they’re included in the policy. This means that if they experience a breakdown while practicing their driving, they'll get assistance.

You can call us out to a breakdown as many times as you need to each year, as long as it’s not a recurring problem with your vehicle (repeat call-outs for the same fault within 28 days will not be covered). 

Unfortunately, if the person is not on your policy, then they won’t be covered.

Yes, your family members will be covered even if they break down in someone else's car. The cover applies to any vehicle they are driving or traveling in. Your family is protected no matter whose vehicle they are in. 

Yes. We’ll take your payment each month until you choose to cancel your cover. It’s a simple way to spread the cost, with the freedom to cancel whenever you like. After your 14-day cooling-off period, just give us 30 days’ notice. If your monthly price changes, we’ll always let you know at least 45 days in advance – so you’ll have plenty of time to decide whether to stay or make a change.

No, our recovery vehicles don’t have child seats – you will need to provide your own.

Yes, family breakdown cover can be a practical option for single-parent households. The policy covers you and up to 3 other people you live with, including children at university who live elsewhere during term time. Kids can be added to the policy at any time, and they would be covered if they were riding as a passenger in a grandparent or childminder’s car, for example.

With our family breakdown cover, you’ll have access to Accident Assist – a complimentary 24/7 accident claim support service.

Recovery is provided free of charge if the accident wasn’t your fault. It’s also free if you’re at fault and opt for Accident Assist to handle your claim. If you decide to a make a claim with your insurer instead of Accident Assist or choose not to make a claim and require recovery only, there will be a fee to pay.

Once the emergency services have confirmed it’s safe, we’ll try to get your vehicle back on the road so you and your family can continue your journey. If repairs aren’t possible there and then, we’ll arrange to take your vehicle to a nearby garage instead.

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

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

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. 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

If you’ve got vehicle cover, change your vehicle details as soon as you can.

With single, joint or family personal cover, you'll only need to change your vehicle details if you have Commercial Use or Parts and Garage Cover added to your policy.

It's simple to change your vehicle details online, and we’ll check that your new vehicle is eligible (terms and conditions apply).

We'll help with breakdowns that happen from 24 hours after you’ve updated us.

If you have Tyre Cover, you’ll only be able to claim for tyre repairs or replacements after the first 7 days. 

If you have Parts and Garage Cover, you’ll only be able to claim for new faults that occur after the first 14 days.