Updated September 28, 2026 · AssureCue Editorial Team
AA Breakdown vs Belfius
Where AA Breakdown and Belfius differ
| Compare |  AA Breakdown |  Belfius |
|---|---|---|
| Premium from | £5.49 | €8.50 |
| Insurance types | Breakdown, Auto, Home, Travel, Van, Motorcycle | Home, Renters, Auto, Motorcycle, Van, Travel, Pet, Life, Income protection, Home emergency |
| Excess from | £0 | €325.93 |
| Claims channels | Phone, App, Online | Mobile app, Belfius direct net, Online form, Phone, Assistance line 24 7 |
| Cover limit | GBP 535 per claim for Parts and Garage Cover | 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 9.3.
- Founded is lower at AA Breakdown: 1905 vs 1996.
- Insurance types: only AA Breakdown offers Breakdown.
- Insurance types: only Belfius offers Renters, Pet, Life.
- Claims channels: only AA Breakdown offers App, Online.
- Claims channels: only Belfius offers Mobile app, Belfius direct net, Online form.
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.
Belfius
Belfius is a Belgian insurer writing home, pet, vehicle and life cover itself, with a lowest premium of €8.50. It suits households that want one provider and monthly terms; anyone who needs health cover alongside these should weigh Good Sam Insurance Agency instead.
Score breakdown
| Area | AA Breakdown | Belfius |
|---|---|---|
| Cost | 9.3HigherPremium from £5.49 sits below the €23.33 median for breakdown cover on the site. | 8.7The starting premium of €8.50 is close to the site median of €8.37, and the lowest home excess listed is €325.93. |
| Offer | 9.5 | 9.9Higher |
| Trust | 9.7Higher | 9.4 |
Where they rank in our lists
| Ranking | AA Breakdown | Belfius |
|---|---|---|
| Car insurance | 54 of 393 | 83 of 393 |
| Home insurance | 37 of 272 | 66 of 272 |
| Travel insurance | 67 of 291 | 92 of 291 |
| Motorbike insurance | 21 of 120 | 34 of 120 |
| Van insurance | 5 of 38 | 8 of 38 |
Choosing between them
Pick AA Breakdown if cost and trust matter most.
Pick Belfius if offer matter most.
Side by side, item by item
| Insurance types | AA Breakdown | Belfius |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | No | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | Yes | Yes |
| Van | Yes | Yes |
| Breakdown | Yes | No |
| Income protection | No | Yes |
| Home emergency | No | Yes |
Where each is licensed and available
| Country | AA Breakdown | Belfius |
|---|---|---|
| Belgium | Not confirmed | |
| United Kingdom | Not confirmed |
Additional countries for AA Breakdown: 1. Additional countries for Belfius: 1.
Every fact side by side
| Fact | AA Breakdown | Belfius |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Automobile Association Insurance Services Limited | Belfius Insurance NV |
| Headquarters | United Kingdom | Belgium |
| Founded | 1905Lower | 1996 |
| Support channels | Phone, Chat, Email, Help centre | Email, Chat, Phone, Help centre |
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.
Belfius
Pros
- One insurer writes home, renters and auto, so several household policies sit with a single provider.
- Claims can be opened through mobile app, belfius direct net and online form, from a mobile app to phone and an assistance line.
- The underwriting company, Belfius Insurance NV, has traded since 1996.
Cons
- Support runs on email, chat and phone only, with no counter service in the list.
- Health cover does not appear in home, renters and auto, where Good Sam Insurance Agency lists it.
- Cost pulls the overall score down to 2.8, and the cost part reads 2.8.
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.
Belfius
Who it suits
- Belgian households wanting home, renters, vehicle and pet policies from one insurer, given home, renters and auto.
- Pet owners and renters who would rather pay a monthly premium than settle it in one go.
Who should look elsewhere
- Households that need health cover: Good Sam Insurance Agency lists it and home, renters and auto does not.
- Buyers chasing the lowest entry price, since bunq quotes €0 against €8.50.
- Readers who want a non-euro quote alongside this one, where Euroasia Insurance starts at UZS 60,000.
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
Belfius
Current offer
First period offer
2 months discount on the first year premium of Belfius Home fire insurance for tenants: 2 months off the 1st year premium
New Belfius Home tenant home policy signed between 15 June and 18 October 2026 inclusive, subject to acceptance of the application by Belfius Insurance NV
Source, checked September 26, 2026
Bonus
Media option of the fire insurance refunded in year 1 when combined with a Proximus package: 1st year of the Media option paid back (cashback)
Sign a Belfius Home home policy plus a Beats Flex+ telecom package between 15 June and 18 October 2026 inclusive; see campaign regulations
Source, checked September 26, 2026
First period offer
Under-35 discount on the first year premium of new Belfius Home policies: Exclusive discounts on the first year premium
All new Belfius Home home policies subscribed in a branch or via the Belfius Mobile app or Belfius Direct Net, subject to acceptance of the risk by Belfius Insurance NV
Source, checked September 26, 2026
Country by country
| Country | AA Breakdown | Belfius |
|---|---|---|
| Belgium | No | Yes |
| United Kingdom | Yes | No |
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.
Belfius
What does Belfius cover cost to start?+
The lowest premium quoted is €8.50, which places Belfius at 128 of 252 on starting price across the brands tracked here. The median starting premium is €8.37, so the entry point sits near the middle of the market rather than the floor.
Can I pay monthly instead of settling the premium in one go?+
Yes. Monthly payments are available, and monthly lists monthly as the only model, so a home or pet premium is spread across the year. The trade-off is that the whole policy is paid over time rather than settled in a single payment.