Updated September 29, 2026 · AssureCue Editorial Team
AA Breakdown vs Admiral Group
AA Breakdown vs Admiral Group: the differences
| Compare |  AA Breakdown |  Admiral Group |
|---|---|---|
| Insurance types | Breakdown, Auto, Home, Travel, Van, Motorcycle | Auto, Home, Renters, Landlord, Travel, Pet, Van, Breakdown, Home emergency |
| Excess from | £0Lower | £99 |
| Cover limit | GBP 535 per claim for Parts and Garage Cover | Up to 10,000 GBP vet fee cover (Lifetime pet insurance) |
| Claims channels | Phone, App, OnlineCovers more | Online, Phone |
| Premium from | £5.49 | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- AA Breakdown scores higher overall: 9.5 vs 9.2.
- Founded is lower at AA Breakdown: 1905 vs 1993.
- Excess from is lower at AA Breakdown: £0 vs £99.
- Insurance types: only AA Breakdown offers Motorcycle.
- Insurance types: only Admiral Group offers Renters, Landlord, Pet.
- Claims channels: only AA Breakdown offers App.
Our verdict on each
AA Breakdown
AA Breakdown suits drivers and households in Great Britain who want roadside help sold by the insurer that carries the risk. Personal cover starts at £5.49 on a monthly policy, with a claim line that does not begin with a charge.
Admiral Group
Admiral Group suits UK households that want one insurer across car, home, renters, travel, pet, van and breakdown cover, and it is an insurer rather than a broker. Pet excess starts at £99, so cheaper monthly premiums carry a real cost at claim time.
Score breakdown
| Area | AA Breakdown | Admiral Group |
|---|---|---|
| Cost | 9.3HigherPremium from £5.49 sits below the €23.33 median for breakdown cover on the site. | 8.9Pet excess starts at £99 on a monthly plan. |
| Offer | 9.5Higher | 9.4 |
| Trust | 9.7Higher | 9.4 |
Where each is licensed and available
| Country | AA Breakdown | Admiral Group |
|---|---|---|
| United Kingdom | Financial Conduct Authority 311649 |
Available in 1 country for both.
How they place
| Ranking | AA Breakdown | Admiral Group |
|---|---|---|
| Car insurance | 54 of 393 | 97 of 393 |
| Home insurance | 37 of 272 | 81 of 272 |
| Travel insurance | 67 of 291 | 104 of 291 |
| Van insurance | 5 of 38 | 10 of 38 |
| Breakdown cover | 7 of 52 | 17 of 52 |
Every fact side by side
| Fact | AA Breakdown | Admiral Group |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Automobile Association Insurance Services Limited | EUI Limited (Reg No: 02686904) |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 1905Lower | 1993 |
| Support channels | Phone, Chat, Email, Help centre | Phone, Chat, Email, Help centre |
Where each stands against the rest
| Fact | AA Breakdown | Admiral Group | Median |
|---|---|---|---|
| Premium from | £5.49below the median | Not confirmed | £7.95 |
| Excess from | £0below the median | £99above the median | £25 |
Median across 51 listed insurance providers.
Pros and cons
AA Breakdown
Pros
- The excess starts at £0, so a covered claim does not open with a charge to meet.
- Cover is written by an insurer, insurer, with the Financial Conduct Authority named as the regulator in Great Britain.
- Monthly payments are available, so the cost can be spread rather than paid as a single sum.
Cons
- For Parts and Garage Cover the limit stops at GBP 535 per claim for Parts and Garage Cover, so a large repair can exceed what the policy pays.
- Personal cover starts at £5.49, and that figure is an entry point rather than a quote, so the premium a particular driver pays can sit above it.
- breakdown, auto and home does not reach life, health or pet lines, so anyone wanting those alongside the car needs a second provider; Good Sam Insurance Agency covers them through auto, home and renters.
Admiral Group
Pros
- Covers auto, home and renters under one roof, so several policies can sit with one provider
- Pet vet fee cover is Up to 10,000 GBP vet fee cover (Lifetime pet insurance) on lifetime pet insurance
- Support runs through phone, chat and email, and car claims start on online and phone
Cons
- Monthly payments are the only pricing model, so there is no annual alternative shown
- The lowest pet excess starts at £99, which leaves the first part of a bill to you
- Claims on car cover run on online and phone, a narrower set than the phone, chat and email used for help
Who each suits
AA Breakdown
Who it suits
- Drivers in Great Britain who want roadside help on a monthly premium with an excess that starts at £0.
- Households that already hold AA motor, home, travel, van or motorcycle cover and want breakdown added under the same insurer.
- Readers who prefer a named insurer with the Financial Conduct Authority on the record rather than a broker choosing the underwriter.
Who should look elsewhere
- Anyone after life, health or pet cover in the same place, which Good Sam Insurance Agency covers through auto, home and renters.
- Readers who judge on the entry premium alone, where bunq lists €0 and EuroAsia Insurance lists UZS 60,000, neither priced for this Great Britain market.
Admiral Group
Who it suits
- Seniors, who are a named audience for the brand
- Pet owners wanting lifetime vet fee cover of Up to 10,000 GBP vet fee cover (Lifetime pet insurance)
- Households buying car, home and renters cover from one insurer
Who should look elsewhere
- Drivers who want a broker to place their cover rather than an insurer
- Pet owners who want low excess policies
- Anyone needing health, life or motorcycle lines, which sit outside auto, home and renters
Current offers
AA Breakdown
Current offer
First period offer
Up to 40% off breakdown cover packages: 40% off the first year for new customers
New AA breakdown customers who are UK residents, first year only, buying Roadside Assistance plus one (40%), two (35%) or three (30%) of National Recovery, At Home and Onward Travel; sale 25 September 2026 to 11.59pm on 30 September 2026; not available with Roadside Assistance alone, Parts & Garage Cover, Key Cover, Commercial Use or Tyre Cover
Source, checked September 26, 2026
Admiral Group
Current offer
Discount code
10% off travel insurance: 10% off
Buy a travel policy through the Admiral website and use the code ADM003 at checkout
Source, checked September 26, 2026
First period offer
12 months for the price of 10 (pet insurance): 12 months cover for the price of 10
Already an Admiral customer buying a first pet insurance policy
Source, checked September 26, 2026
Bonus
15% MultiPet discount: 15% off each pet
More than one pet insured on the same policy living in the same household
Source, checked September 26, 2026
Bonus
MultiCover discount: Discount for each additional policy
Insure more than one home, car, van or rental property in one MultiCover policy
Source, checked September 26, 2026
Country by country
| Country | AA Breakdown | Admiral Group |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
AA Breakdown
What does AA Breakdown cost to get started?+
Personal breakdown cover starts at £5.49, and monthly payments are available, so the premium can be paid in regular instalments rather than as a single sum. The excess starts at £0, which means a covered claim does not open with a charge for you to meet.
Is AA Breakdown an insurer or a broker?+
AA Breakdown is listed as an insurer, insurer, rather than a broker or a comparison site. That means the firm carries the breakdown risk on its own policy, so the company holding the premium is the company paying the claim, with no intermediary choosing the underwriter.
Admiral Group
What kind of company is Admiral Group?+
Admiral Group is an insurer, which means cover is written by the company itself rather than passed to another insurer through a broker. The legal entity behind the policies is EUI Limited (Reg No: 02686904), based in the United Kingdom.
Is Admiral Group regulated in the UK?+
Yes. Admiral Group holds a Financial Conduct Authority licence, listed as 311649. The company has traded since 1993 under that registration.