Business breakdown cover

Award-winning car and van business cover

Keep your business moving

If your business relies on your vehicles running smoothly, you'll need cover you can count on to keep them on the road. Our business breakdown cover will get help to your cars and vans, so they're good to go quickly – and with minimum disruption – if the worst happens. All you need to do is choose the right level of cover for you.

There's a choice of product add-ons including National Recovery (Relay) and Onward Travel (Relay Plus).

Which vehicles can be covered?

Whether you just have a single vehicle or run a whole fleet, we can cover your cars, vans, trucks and more – as long as they’re 3.5 tonnes or under. If you’re not sure if your vehicle would be eligible, you can call us on 0330 053 0397 to check.

I need cover for something else

If you manage a fleet of taxis, minicabs, or hire vehicles (or even just one of these), take a look at our taxi, courier and delivery van breakdown cover
If you tend to have a few more passengers, our minibus cover offers UK-wide, year round protection
If you need to cover a vehicle that’s over 3.5 tonnes, including trucks and trailers, take a look at our pay as you go cover

Award-winning car and van business cover

Protect your business, fleet and customers by taking out AA cover that's been recognised and rewarded:

WhatVan? 2023 – Customer Service Award
Business Partner of the Year ‘finalist’ at the Insurance Times Awards 2023
Which? Recommended Breakdown Provider for the last 5 years running (including all of the top 10 manufacturer brands)
Fleet Supplier of the Year – ‘Highly Commended’ at the Fleet News Awards 2022
Awarded ‘Most Trusted Brand’ Platinum 2022 from 360 Media Group for our Roadside Breakdown Services
Business Car Awards 2022 – ‘Fleet Supplier of the Year’

Get a quote

“As a breakdown provider, we find the AA a willing and collaborative partner. The AA is extremely flexible in working with us to come up with solutions for our customers to navigate network capacity issues and help get our drivers back on the road and the vehicle into a garage.”

Martin Phillips, Chief Operating Officer, Athlon

“Our partnership with the AA is an important reinforcement of our commitment to ensuring members’ vehicles are back on the road swiftly when problems occur. We are delighted to celebrate 30 years of partnership and offer our members the best possible recovery service to keep their vehicles moving.”

Al Richardson, Head of Membership & Affinities, Logistics UK

Good to know

Car and van cover is also known as Fleet Breakdown Cover. For full terms and conditions, see the Fleet Breakdown Cover policy.
The price you pay will depend on the number of vehicles you need cover for and the product add-ons you choose.
Parts and Garage Cover (Breakdown Repair Cover) and European Breakdown Cover (Fleet Europe Cover) have their own terms and conditions.
If you are an existing customer and you have any questions about your cover, you can get in touch with us on 0330 053 0442 (Option 1).
AA Breakdown Cover is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.
Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). You can check their register online.

Award-winning car and van business cover

WhatVan? 2023 - Customer Service Award
Business Partner of the Year ‘finalist’ at the Insurance Times Awards 2023
Which? Recommended Breakdown Provider for the last 5 years running (including all of the top 10 manufacturer brands)
Fleet Supplier of the Year – ‘Highly Commended’ at the Fleet News Awards 2022
Awarded ‘Most Trusted Brand’ Platinum 2022 from 360 Media Group for our Roadside Breakdown Services
Business Car Awards 2022 – ‘Fleet Supplier of the Year’

Policy documents

Here's where you'll find all the policy documents relating to this type of cover.

Business Breakdown Cover for renewals from 1 November 2019 and new policies from 1 December 2019
Business European Breakdown Cover (Fleet Europe Cover) (May 2018)
Breakdown Repair Cover (May 2018)

FAQs

I don't have cover. Can you send someone if I have an emergency now?

Yes. You can call us on 0330 053 0420 to get help straight away.

We'll tell you how much it’ll cost to fix the problem and send an engineer as soon as possible.

I have a heavy goods vehicle (HGV) – can it be covered under business breakdown cover?

No, if you have a HGV or a vehicle over 3.5 tonnes, you’d need to take out pay as you go truck cover.

How much is the VAT on business breakdown cover?

We don’t charge VAT on specialist breakdown cover.

How long will it take for my business account to be set up?

Your account will be set up as soon as you fill in your username, password and memorable question details, after you pay for your cover. Your cover won’t start until you have sent us your vehicle number plate details.

When will I be able to use my car and van business breakdown cover?

You can make a claim 24 hours after your cover starts, or after you add vehicle details.

Do I need my breakdown card to call out the breakdown service?

Yes. Your card has the telephone number for your driver to phone in a breakdown situation, and quoting your card number will help us to find your details on the system. You’ll also need to show a valid card when the patrol arrives.

You should receive your breakdown card around 7 days after your account is opened.

Will my company be invoiced if a patrol has to fit spare parts?

If this happens, the driver would have to pay for the part there and then unless alternative arrangements had been made before the callout.

What if I sell one of my covered vehicles mid-way through my breakdown cover period?

You can add another vehicle in its place at any point up to renewal of your cover. If a replacement vehicle isn’t allocated, we won’t be able to give you a refund or credit.

Does business breakdown cover include accident support?

Not as standard, but we can provide accident recovery for a fee.

Breakdown Repair cover

Do I have to keep my fleet regularly serviced?

Yes. Once you’ve nominated a vehicle for Breakdown Repair Cover then you'll need to keep it serviced as recommended by the manufacturer. Servicing must be done by a professional garage business or in-house workshop staffed by qualified mechanics.

Make sure you keep hold of your receipts and invoices as you may be asked to produce evidence of servicing when you make a claim.

Can I claim straightaway?

No. You won’t be able to claim for parts or repairs if you break down during the first 14 days after your agreed policy start date. After this period, your cover will apply.

Can I take my vehicle directly to my garage?

No. You’ll need to request assistance under your business breakdown cover.

If I have more than one vehicle in my fleet, do I have to nominate all my vehicles?

Yes, you need to nominate all vehicles that you'd like to be covered.

What do I do if I change or add a vehicle?

You can easily update your policy to cover a replacement vehicle. Just check the eligibility requirements for your new vehicle and call us on 0330 053 0442 as soon possible. You won’t be able to make a claim for that vehicle if it breaks down within the first 14 days after you’ve let us know about the change.

Who can I talk to if I still have questions?

If you still have questions, get in touch with us on 0330 053 0442.