Updated September 28, 2026 · AssureCue Editorial Team
AA Breakdown vs DZI
AA Breakdown vs DZI: the differences
| Compare |  AA Breakdown |  DZI |
|---|---|---|
| Premium from | £5.49 | €5 |
| Insurance types | Breakdown, Auto, Home, Travel, Van, Motorcycle | Auto, Home, Life, Health, Travel, Breakdown, Home emergency |
| Cover limit | GBP 535 per claim for Parts and Garage Cover | Travel medical expenses limit EUR 5,000 to 50,000 |
| Claims channels | Phone, App, Online | Phone, Online portal, Offices and service centres, Email |
| Excess from | £0 | Not confirmed |
| Age range | Not confirmed | 16 to 69 years |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- AA Breakdown scores higher overall: 9.5 vs 9.4.
- Founded is lower at AA Breakdown: 1905 vs 1946.
- Insurance types: only AA Breakdown offers Van, Motorcycle.
- Insurance types: only DZI offers Life, Health, Home emergency.
- Claims channels: only AA Breakdown offers App, Online.
- Claims channels: only DZI offers Online portal, Offices and service centres, Email.
- Support channels: only AA Breakdown offers Chat.
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.
DZI
DZI suits households in Bulgaria that want a single insurer for car, home, life, health and travel cover, with private health opening at €5 a month. It scores 6.2 overall, and monthly payments spread the cost, though the entry price is not among the lowest here.
Score breakdown
| Area | AA Breakdown | DZI |
|---|---|---|
| Cost | 9.3HigherPremium from £5.49 sits below the €23.33 median for breakdown cover on the site. | 9.2 |
| Offer | 9.5 | 9.5 |
| Trust | 9.7Higher | 9.6 |
What each covers
| Insurance types | AA Breakdown | DZI |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | No | Yes |
| Health | No | Yes |
| Travel | Yes | Yes |
| Motorcycle | Yes | No |
| Van | Yes | No |
| Breakdown | Yes | Yes |
| Home emergency | No | Yes |
How they place
| Ranking | AA Breakdown | DZI |
|---|---|---|
| Car insurance | 54 of 393 | 69 of 393 |
| Home insurance | 37 of 272 | 53 of 272 |
| Travel insurance | 67 of 291 | 78 of 291 |
| Breakdown cover | 7 of 52 | 10 of 52 |
Every fact side by side
| Fact | AA Breakdown | DZI |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Automobile Association Insurance Services Limited | DZI-General Insurance |
| Headquarters | United Kingdom | Bulgaria |
| Founded | 1905Lower | 1946 |
| Support channels | Phone, Chat, Email, Help centreCovers more | Phone, Email, Help centre |
Business insurance
| Fact | AA Breakdown | DZI |
|---|---|---|
| Cover types | Not confirmed | Public liability, Professional indemnity, Property |
Where each stands against the rest
| Fact | AA Breakdown | DZI | Median |
|---|---|---|---|
| Excess from | £0below the median | Not confirmed | £25 |
Median across 48 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.
DZI
Pros
- Private health cover starts at €5 a month, under the site median of €8.37
- Monthly payments are available, so the premium runs on the monthly model rather than as a single lump sum
- Cover spans auto, home and life, letting a single insurer handle motor, property, life, health and travel
Cons
- The starting premium ranks at position 93 of the 252 brands compared, so the entry price sits above the lowest figures on the list
- Support runs on phone, email and help centre only, with no live messaging route listed for quick questions
- The personal range stops at auto, home and life, with no pet or motorcycle cover
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.
DZI
Who it suits
- Households in Bulgaria that want car, home and health cover from a single insurer
- Adults who prefer monthly premiums to a single annual payment
- Travellers who want the medical limit set by the insurer at Travel medical expenses limit EUR 5,000 to 50,000
Who should look elsewhere
- Readers who want pet or motorcycle cover, since Good Sam Insurance Agency lists those lines in auto, home and renters
- Small businesses needing employers liability, as public liability, professional indemnity and property stops at public liability, professional indemnity and property
- Shoppers after a free starting price, since bunq shows €0
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
Country by country
| Country | AA Breakdown | DZI |
|---|---|---|
| Bulgaria | 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.
DZI
What does private health cover cost at DZI?+
Health cover starts at €5 a month. That is the opening premium for the policy, and the site median for starting prices is €8.37, with an upper quartile of €29.72. A quote based on your own age, cover and risk will usually sit above the entry figure.
Can I pay the premium monthly?+
Yes. Monthly payments are available and the payment model is monthly, so the premium is collected in instalments across the year rather than as a single payment. That suits households with a tight monthly budget, and it holds the entry health premium at €5 a month for the starting policy.
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