FAMILY BREAKDOWN COVER

Breakdown cover
for the whole family

Cover up to 4 people on your family car breakdown cover policy.

Rated four and a half stars on Trustpilot

Rated Excellent by our members on Trustpilot

Icon of AA roadside patrol van

We fix 4 out of 5 vehicles at the roadside

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More dedicated mobile mechanics than any other UK breakdown service1

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Members rate us 4.5/5
Read our reviews

Get family breakdown cover

Cover multiple people you live with, all under one membership and one price. If any of you break down in anyone's car as either a driver or passenger, you'll get 24/7 help from a trained mechanic – with access to unlimited call-outs.

  • Add up to 3 other people to your breakdown policy, as long as everyone lives at the same address
  • Include your partner, family, housemates or children – even if they're students living away during term time
  • You’ll all be covered as drivers or passengers in any vehicle, including cars, motorbikes and vans
Three AA Patrols stood in front of a yellow AA van

Build your perfect policy

Roadside Assistance comes as standard with family breakdown cover, but you can add these optional extras for peace of mind on every family outing:

At Home

We'll come straight to your doorstep. If you break down within 1/4 mile of your home, our Roadside Assistance will still cover you.

National Recovery

We’ll take you, your vehicle and up to 7 passengers to any single UK location of your choice if we can’t fix your vehicle at the roadside.

Onward travel
Onward Travel

We’ll help arrange alternative travel if you break down. Alternatively, we can also arrange an overnight hotel stay.

Parts and Garage Cover

If you need new parts or work done at a garage after calling us out, we’ll cover the costs up to £535.

What is family breakdown cover?

Family breakdown cover is when several people who live together are covered under one breakdown membership.

With family cover, you can add up to 3 other people to your personal policy as long as everyone lives at the same address. These can include your:

  • Partner
  • Family members
  • Housemates
  • Children – even if they're students who normally live at home but are temporarily living away

You’ll all be covered as drivers or passengers in any vehicle – including cars, motorbikes and vans. For example, if your child is a passenger in a friend’s car that breaks down, you’ll be able to get breakdown assistance for them – even if the car owner isn’t covered. Find out more about what to do if you break down.




Family cover

Covers you and up to 3 other people you live with – as drivers or passengers in any vehicle.

You can add people to your personal cover – as long as you all live at the same address. You can even add students who are temporarily living away from home.

Family breakdown cover 


Cover for two people

Joint cover for you and someone you live with, as drivers or passengers in any vehicle.

If your family is just 2 people, joint cover may suit you. We'll rescue either of you if any car you're in breaks down.

Joint breakdown cover 


Vehicle cover

Covers one vehicle, whoever's behind the wheel. We'll come out to fix the car even if the person who owns it isn't there.

This cover might suit you if all the people who live at your address share one car. If your household has more than one car, family cover may be better.

Vehicle breakdown cover 


What's included in breakdown cover?

All our breakdown cover policies include 24/7 Roadside Assistance. We'll send a mechanic to try to fix your car on the spot.

You can use our app to let us know you've broken down and send us your exact location. You can even track our mechanic right to your side. You also get:

  • Unlimited call-outs, as long as it's not a recurring problem with your vehicle2
  • Cover for vehicles of any age, including cars, vans, motorcycles, campervans and caravans3
  • Up to 20% off at over 1,500 restaurants and pubs with the AA app

You can get extra peace of mind by adding options like At Home, National Recovery, Onward Travel and Parts and Garage Cover to your policy.

Does family breakdown cover apply to the person or car?

When choosing your policy, you have the option of selecting either personal or vehicle cover. ‘Personal’ means you’ll be covered for breakdowns in any vehicle as a driver or passenger, while ‘vehicle’ means that your vehicle of choice is covered, no matter who’s driving it.

Family cover is a type of personal cover, as it allows you to add more people to your policy.

Check out the table below for details:

What’s included? Personal breakdown cover Vehicle cover
Cover in any vehicle

Cover as a passenger in someone else’s car

Cover for your car if someone else is driving and you’re not a passenger  

Unlimited call-outs, as long as it’s not a recurring problem

24/7 Roadside Assistance if you’re more than 1/4 mile from home

Ability to add more people to your policy

 

Why choose us?

  • We’re a Which? Recommended Provider for 6 years running.
  • UK drivers have consistently rated us as the best breakdown service against all other major breakdown providers.
  • Our patrols will usually get to you in less than an hour and get you back on the road within around 30 minutes of arrival.

Verify the facts above and see why you should choose us.

Need help choosing?

Answer a few quick questions to find cover that suits you.

Exclam 800black 3 Broken down now?

Don't buy online – call us 24/7 for instant cover: 03330 046 046

Don't buy online – call us 24/7 for instant cover: 03330 046 046

Call now

Good to know
1 More mobile mechanics

The AA uses a fleet of dedicated vehicles – which means we own and manage them, and they are driven by our own patrols. These include breakdown vans, recovery trucks and other specialist vehicles to support a wide range of breakdown situations our members find themselves in. Sometimes we may use garages to reduce wait times, but only when necessary. We’ll always let you know in advance.

We have more highly skilled mobile mechanics than anyone else. And they’re all absolutely lovely. The AA is the largest UK breakdown provider, with over 2,700 patrols compared to around 1,750 patrols for the second-largest provider in the UK.

Source: AA Annual Report 2023 (2,700 patrols) and RAC Class A Prospectus 2023 (1,750 patrols).


2 Unlimited call-outs

Repeat call-outs for the same fault, within 28 days, will not be covered.


3 What vehicles do we cover?

Our breakdown cover includes most cars of any age (including classic cars), motorbikes, vans, motorhomes and minibuses. 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 and trailers you’re towing. Your vehicle must also be roadworthy, taxed and have an up-to-date MOT.


About the price

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.

Policy documents

Our breakdown cover policy documents give you the terms and conditions of the contracts that make up AA Breakdown Membership and AA Breakdown Repair Cover (Parts and Garage 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 Booklet – February 2024


AA Breakdown Repair Cover (Parts and Garage Cover)

AA Breakdown Repair Cover Terms and Conditions Booklet – November 2021


Member Extras

Member Extras Terms and Conditions Booklet – November 2021

Paying for your cover
How can I pay?

There are 3 ways to do this – 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 policy and the overall price for a year will be lower than 12 monthly payments. There’s no refund if you cancel after your 14-day cooling-off period though. You can choose how your policy renews when you set up your cover.

If you pay monthly, your account will be debited every month until your 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.
 


Is my online payment secure?

Yes – we use the highest form of encryption available, to make sure your payment is safe.

Our secure-server software scrambles all the details you enter before they’re sent, so that only we can understand them.


Can I change my level of cover after I've bought it?

We'll write to you well in advance of your renewal, but if you'd like to talk to someone about renewing or changing your cover now, call us on 0343 316 4444.

Lines are open 8am to 6pm, Monday to Friday; 9am to 5pm, Saturday.


Can I buy breakdown cover for someone else?

If you want to arrange personal cover for someone else, call us on 0330 053 1100. However, if you want to cover a specific vehicle you can buy vehicle cover online.

How do I get family breakdown cover?

When you buy our cheap breakdown cover, you’ll be given the choice of which type of cover you’d like to get.

Simply choose ‘family cover’ and tell us the names of the people you’d like to add to your policy.

Are family cover and multi-car cover the same?

If you’d like to be covered in multiple vehicles, then one of our policies offering personal cover might suit you. We don't call it multi-car cover, but you'll be covered as a driver or passenger in any vehicle.

Our family cover applies to any vehicle you or your family travel in, whether as passengers or drivers. So if you want to cover more than 1 person in multiple vehicles, you can do that with family cover.

If you only want cover for yourself in multiple vehicles, then cover for you might suit you better.

Here are the different options if you want cover in more than 1 car:

  • Cover for you - Cover for you as a driver or passenger in any vehicle.
  • Cover for two - Joint cover for you and someone you live with, as drivers or passengers in any vehicle.
  • Family cover - Cover for you and up to 3 other people you live with, as drivers or passengers in any vehicle.

Compare breakdown cover to find out which cover might suit you.

Should I get vehicle cover or family cover?

If your household only has 1 car, then vehicle cover may suit you better than family cover.

Vehicle cover applies to 1 specific vehicle that you give us the details for. It’ll cover anyone who uses that vehicle as a driver or passenger.

That way, you can cover multiple people for the same car. But vehicle cover won’t help anybody as a driver or passenger in a different car.

Am I covered in Europe?
Our policies only cover you if you break down in the UK. If you'd like to be covered abroad, you'll need to get European breakdown cover.
Compare breakdown cover

Learn more about choosing the right cover for you in our guide on how to compare breakdown cover. Plus, find out what’s included in breakdown cover from the AA vs RAC

You can also discover what's included in breakdown cover from Green Flag vs the AA

Will personal breakdown cover include my family?
Personal breakdown cover will only include your family if you select the ‘family’ option. First, choose personal cover rather than vehicle cover, then choose the family add-on to cover up to 3 other people you live with.
Can you use another family member’s breakdown cover?
Yes, you can use another family member’s breakdown cover if they’ve added you to their family breakdown cover and you’re one of up to 3 other people that they live with (and have included on their policy). Alternatively, if your family member has vehicle cover and they’ve allowed you to drive the covered vehicle, you’ll also be able to get help with breakdowns.
Can I add my child to my AA membership?
Yes, you can add your child to your AA membership if they live at the same address as you – regardless of age, this will give them cover as a passenger. You can also add students who are temporarily living away from home.
Can I add someone to my breakdown cover?
Yes, you can add someone to your breakdown cover providing that they live at the same address as you. If you just want to add one other person, it may be more suitable to choose our joint cover option – which covers you and one other person in any vehicle.
Can I cover 2 cars for breakdowns?
Yes, with our personal breakdown cover you can be covered in multiple vehicles as either a driver or passenger. You can also get joint or family cover for multiple people across multiple vehicles.
Can I add my partner to my AA membership?
Yes, you can add a partner to your AA membership as either joint or family cover, providing that they live at the same address as you.
Call now to buy breakdown cover

0330 053 1100

We're open 8am to 7pm, Monday to Friday; 9am to 5pm, Saturday.

Call now

Call now to change or discuss your cover

0343 316 4444

We're open 8am to 7pm, Monday to Friday; 9am to 5pm, Saturday.

Call now