- Roadside Assistance and recovery to the nearest garage if we can't repair your vehicle on the spot
- The option to add more people to your policy with joint cover, which can work out cheaper than buying multiple individual policies
- You can call us out if you're in someone else's car as a passenger
- Most vehicle types can be covered (including cars, motorbikes and vans) as long as they're only for personal or domestic use
- The ability to customise your cover so it meets your needs and budget
Personal breakdown cover
Personal breakdown cover with unlimited
call-outs*
Personal breakdown cover as a driver or passenger in any vehicle, plus coverage for up to 3 people that live with you.
- Support and coverage no matter whose car you’re in
- 24/7 Roadside Assistance
- Electric vehicles covered at no extra cost
Our personal breakdown cover
Our starting level of personal breakdown cover, Roadside Assistance, gives you 24/7 support and unlimited call-outs in any vehicle for breakdowns more than 1/4 mile away from your home.
Unlimited call-outs
*Get unlimited call-outs, subject to policy terms. Repeat call-outs for the same fault within 28 days are not covered. Call-out levels may affect future premiums.1
More personal members
More UK drivers choose The AA for personal breakdown cover than any other major breakdown provider2
More dedicated patrols
More dedicated patrols than any other major UK breakdown provider3
What is personal breakdown cover?
Personal breakdown cover protects you as a driver or passenger in any vehicle, not just your own car. It's a great choice if you drive different cars, share vehicles or travel often as a passenger.
So, even if you're travelling as a passenger in a friend's car, you'll be able to get Roadside Assistance with personal breakdown cover. You're only eligible for Roadside Assistance if you're in the vehicle when it breaks down.
Here are the features of personal breakdown cover:
What types of personal breakdown cover are there?
There are three types of 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.
Find out more
Personal breakdown cover for you as a driver or passenger in any eligible vehicle.
Joint personal cover
Personal breakdown cover for you and someone you live with, as drivers or passengers in any eligible vehicle. A great choice for couples.
Family cover
Personal breakdown cover for you and up to 3 other people you live with, as drivers or passengers in any eligible vehicle.
How does personal breakdown cover work?
Breakdowns can happen anywhere, whether you're running errands or on a road trip. Personal breakdown cover protects you as a driver 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.
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.
Help at the roadside
If you break down, our patrols will aim to fix the vehicle at the roadside.
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.
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 is personal cover different to vehicle cover?
Unlike vehicle breakdown cover, which covers the vehicle, personal breakdown cover applies to you and up to 3 other people you live with.
This means you're protected if you're driving your own vehicle or riding as a passenger in someone else's.
Here's how vehicle cover is different:
- Vehicle breakdown cover applies to your vehicle, even if someone else is driving it and you're not with it at the time
- If you own 1 vehicle and multiple people drive it, then vehicle breakdown cover might be the best choice
How can I customise my AA personal breakdown cover policy?
You'll get Roadside Assistance with your breakdown cover as standard. Once you've selected personal breakdown cover, you can still customise your cover to further fit your needs – giving you more choices in the event of a breakdown. Whether it's a quick fix at the roadside or recovery to a garage, we've got you covered.
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.
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.
Onward Travel
If you break down and need repairs that stop your journey, we’ll help with alternative transport or overnight accommodation.
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.
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.
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
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 select personal cover when buying breakdown cover?
If you're new to The AA, simply choose personal breakdown when you buy online. If you’re already with us, you can switch from vehicle to personal cover, by logging into your AA account or contact 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
- Choose between vehicle cover and personal breakdown cover
- See your personalised quote, then select ‘Continue’ to go to the Options step
About the price
10% of new AA customers paid £5.49 for monthly vehicle breakdown cover, based on new business sales from theAA.com from 1 February 2026 to 30 April 2026.
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.
Sources
1. Repeat call-outs for the same fault within 28 days will not be covered, unless you can provide proof that a permanent repair has been completed by a garage. Your call-out levels may affect future premiums. Cover depends on the level purchased and policy terms apply.
2. Based on personal breakdown memberships compared with other major UK breakdown providers. Sources: AA Annual Report & Accounts 2026 (3.3 million paid personal members) and RAC Group Holdings Limited Annual Report 2025 (2.8 million consumer members). Does not refer to total breakdown customers or total market share. For more detail on the comparator set and Green Flag, see theAA.com/Best
3. Based solely on directly employed dedicated patrol numbers compared with other major UK breakdown providers. Source: AA Annual Report & Accounts 2026 (c.2,700 patrols) and RAC Group (Holdings) Limited Annual Report & Financial Statements 2025 (1,700 patrols). For more detail on the comparator set and Green Flag. Verify at theAA.com/Best
