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Multi-car breakdown cover

Breakdown cover for multiple cars

Covers you in any vehicle as a driver or passenger, which is ideal if you drive or travel in multiple vehicles.

  • Support and coverage no matter whose car you’re in
  • 24/7 Roadside Assistance from the UK’s best breakdown service provider†
  • Electric vehicles covered at no extra cost
Get a quote Existing members
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Multiple cars parked up in a cobbled car park

What is multi-car breakdown cover?

Multi-car breakdown cover, also known as personal breakdown cover, is a policy that covers you in multiple vehicles under one membership. It’s ideal for households with two or more cars, so any covered person can get roadside help when they break down.


Whether your family members are driving to work or running errands, you’ll have peace of mind knowing all your vehicles are fully covered if the driver or passenger is a member.


Here are some features of multi-car breakdown cover:

  • Cover multiple vehicles under one convenient policy to reduce paperwork
  • Add more people to your policy with joint or family cover – this can be cheaper than buying multiple individual policies
  • Assistance if a vehicle breaks down 1/4 mile or more away from home
  • Get Roadside Assistance and recovery to the nearest garage if we can’t repair your vehicle on the spot
Three AA Patrols stood in front of a yellow AA van
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Our multi-car breakdown cover

Our starting level of multi-car breakdown cover, Roadside Assistance, gives you 24/7 support and unlimited call-outs in any vehicle for breakdowns more than 1/4 mile from your home. It’s a personal policy, so you don’t need to add vehicles to your policy or have them registered to the same address.

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Most trusted breakdown provider

More drivers choose The AA than any other major UK breakdown cover service1
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More expert patrols

†More dedicated patrols than any other UK breakdown service2
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Unlimited call-outs

Get unlimited call-outs, as long as it’s not for a recurring problem with your vehicle3

What types of multi-car breakdown cover are there?

There are three types of multi-car or personal breakdown cover, which allow you to create the breakdown policy for your needs and vehicles you own – including cars, vans, motorbikes and electric vehicles (EVs). You can cover just yourself, opt for joint coverage, or include up to 3 other people you live with.

Personal breakdown cover icon

Single personal cover

Personal breakdown cover for you as a driver or passenger.
Joint breakdown cover icon

Joint personal cover

Personal breakdown cover for you and someone you live with, as drivers or passengers in any vehicle. A great choice for couples.
Family breakdown cover icon

Family cover

Personal breakdown cover for you and up to 3 other people you live with, as drivers or passengers in any vehicle.

How does multi-car breakdown cover work?

Breakdowns can happen anywhere, whether you’re running errands or on a road trip. Multi-car breakdown cover protects you as a driver or passenger in any car, motorbike or van used for private and domestic purposes. You can however be covered for commercial purposes if you buy Commercial Use with your standard breakdown cover.

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Assistance when you need it

Breaking down in a vehicle as a passenger is stressful, but with our personal breakdown cover, you’re always protected. No matter who’s driving, our team will help you.
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Help at the roadside

If you break down, our patrols will aim to fix the vehicle at the roadside.
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Get recovery to a local garage

If we can’t fix the problem, we’ll take your vehicle to a local garage for further assistance.
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Always here for you

Call the AA or use our app to report your breakdown and get assistance. With the app, you’ll get real-time updates, and you can track the arrival of the breakdown service.

How can I customise my AA breakdown cover policy?

You’ll get Roadside Assistance as standard. Once you’ve selected personal breakdown cover (multi-car breakdown cover), you can customise your policy to suit your needs – giving you more choices if a breakdown happens. Whether it’s a quick fix at the roadside or recovery to a garage, we’ve got you covered.

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At Home

If your vehicle won’t start or breaks down within 1/4 mile of your home, you’ll get a recovery tow to a nearby garage.
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National Recovery

If you break down and we can’t fix your vehicle at the roadside, we’ll take you, your vehicle and up to 7 passengers to any single UK destination.
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Onward Travel

If you break down and need repairs that stop your journey, we’ll help with alternative transport or overnight accommodation.
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Parts and Garage Cover

If you need repairs or work done at a garage after calling us out for a breakdown, we’ll cover costs up to £535.
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Tyre Cover

If your tyres need to be repaired or replaced after a breakdown, we’ll help cover the costs up to £160 per tyre.
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Commercial Use

If you have a vehicle being used to carry equipment, people or goods in return for payment, we’ll cover you.
Key cover icon

Key Cover

If your car keys or house keys are lost, stolen or broken, or you’re locked out, we’ll arrange a replacement key or locksmith.

How do I get cover for multiple cars when buying breakdown cover?

If you’re new to The AA, simply choose personal breakdown when you buy online to get cover in multiple cars. If you’re already with us, you can switch from vehicle to personal cover by logging into your AA account or contacting customer service to change this.

  • Hit the ‘Get a quote’ button
  • Enter your home postcode and date of birth, then choose what sort of cover you need
  • Select one of the three types of personal cover
  • See your personalised quote, then select ‘Continue’ to go to the Options step
Get a quote

Already with us?

Find out how to get the most from your cover

Existing members

Defaqto 5-star rating

Our combined cover with Roadside Assistance, National Recovery, At Home and Onward Travel is rated 5 stars by Defaqto.

Defaqto 5-star rating

Policy documents

AA Breakdown Membership

Breakdown Membership terms and conditions – April 2025


Parts and Garage Cover (Breakdown Repair Cover)

Parts and Garage Cover terms and conditions – November 2021


Tyre Cover

Tyre Cover terms and conditions – October 2025


Key Cover

Key Cover terms and conditions – September 2025


Member Extras

Member Extras terms and conditions – November 2021

Good to know

About the price


10% of new AA customers paid £5.49 for monthly vehicle breakdown cover. Source: survey of new business sales from theAA.com, 1 October 2025 to 31 December 2025.


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 breakdown cover 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: The AA, Level 3, Plant, Basing View, Basingstoke, Hampshire, England, RG21 4HG. Registered in England and Wales number 2414212.


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.

Are multi-car cover and family cover the same?

If you’d like to be covered in multiple vehicles, then 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.


If you only want cover for yourself in multiple vehicles, then you can choose cover for you. If you’d like to cover more than 1 person in multiple vehicles, then you might want to choose family breakdown cover.


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


  • Partner
  • Family members
  • Housemates
  • Children – even if they’re students temporarily living away from home

Looking for the right cover for you? Read our tips for how to compare breakdown cover.

Can multiple cars have Parts and Garage Cover?

If you have personal, joint or family cover along with Parts and Garage Cover, you can add up to 4 cars onto 1 policy.


Just let us know which vehicles you want to include.

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.

Can I add another car to my breakdown cover?

If you’re on a single-vehicle policy and want to add another car, you can switch to a multi-car breakdown cover, also called personal breakdown cover. This policy gives you flexible cover in any eligible vehicle, whether you’re the driver or a passenger.

Can I add my partner to my AA membership?

Yes, you can add your partner to your AA membership providing that you both live at the same address. To upgrade, just log in into your account or call us and we’ll help.

How many times can I claim on my multi-car breakdown cover?

With our multi-car breakdown cover, you can make unlimited call-outs, as long as the problem isn’t caused by a recurring fault that hasn’t been fixed. This ensures you’ll get help whenever you need it, whether you’re driving your own car, van, motorhome or someone else’s vehicle.

I’m a Blue Badge holder – how can I register my needs and get more information?

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.

I’m experiencing money worries – what should I do?

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

I have a disability – what additional help and support does The AA provide?

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

What do I do if my car breaks down?

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

What should I do if I buy a new vehicle?

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.

  1. Source: AA Annual Report & Accounts 2025 (3.3 million paid personal members) and RAC Bidco Limited Annual Results 2024 (2.7 million consumer members). Verify at theAA.com/Best
  2. Source: AA Annual Report & Accounts 2025 (c. 2,700 patrols) and RAC Bidco Limited Annual Results 2024 (1,700 patrols).
  3. Repeat call-outs for the same fault within 28 days will not be covered. Your call-out levels may affect future premiums.

Broken down now?

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03330 046 046

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0330 053 1100

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

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0343 316 4444

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