Updated September 28, 2026 · AssureCue Editorial Team
AA Breakdown vs Eversure
AA Breakdown vs Eversure: the differences
| Compare |  AA Breakdown |  Eversure |
|---|---|---|
| Premium from | £5.49Lower | £17.47 |
| Insurance types | Breakdown, Auto, Home, Travel, Van, Motorcycle | Breakdown, Gadget |
| Provider type | Insurer | Broker |
| Cover limit | GBP 535 per claim for Parts and Garage Cover | £15,000 per period of insurance (claims above this are excluded) |
| Claims channels | Phone, App, Online | 24 hour claims line, Online make a claim form, Contact form |
| Monthly payments | Yes | Not confirmed |
| Excess from | £0 | Not confirmed |
| Age range | Not confirmed | Vehicle up to 15 years old at time of breakdown (personal breakdown) |
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Key differences
- AA Breakdown scores higher overall: 9.5 vs 8.8.
- Founded is lower at AA Breakdown: 1905 vs 2008.
- Premium from is lower at AA Breakdown: £5.49 vs £17.47.
- Insurance types: only AA Breakdown offers Auto, Home, Travel.
- Insurance types: only Eversure offers Gadget.
- Claims channels: only AA Breakdown offers Phone, App, Online.
- Claims channels: only Eversure offers 24 hour claims line, Online make a claim form, Contact form.
- Support channels: only AA Breakdown offers Phone.
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.
Eversure
Eversure is a UK broker selling personal breakdown and gadget cover, which suits drivers with a newer car who want a single policy. Personal breakdown cover starts at £17.47 a month, and the policy is capped at a cover limit per period of insurance.
Score breakdown
| Area | AA Breakdown | Eversure |
|---|---|---|
| Cost | 9.3HigherPremium from £5.49 sits below the €23.33 median for breakdown cover on the site. | 8.6Personal breakdown cover starts at £17.47, below the €23.33 typical of the category. |
| Offer | 9.5Higher | 8.9 |
| Trust | 9.7Higher | 8.7 |
Where they rank in our lists
| Ranking | AA Breakdown | Eversure |
|---|---|---|
| Breakdown cover | 7 of 52 | 3 of 52 |
Feature by feature
| Insurance types | AA Breakdown | Eversure |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Travel | Yes | No |
| Motorcycle | Yes | No |
| Van | Yes | No |
| Breakdown | Yes | Yes |
| Gadget | No | Yes |
Also worth a look
Save on Life has premium from at £5, against £5.49 for AA Breakdown and £17.47 for Eversure.
Save on Life reviewEvery fact side by side
| Fact | AA Breakdown | Eversure |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Automobile Association Insurance Services Limited | Eversure Limited |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 1905Lower | 2008 |
| Support channels | Phone, Chat, Email, Help centreCovers more | Chat, Email, Help centre |
Where each stands against the rest
| Fact | AA Breakdown | Eversure | Median |
|---|---|---|---|
| Premium from | £5.49below the median | £17.47above the median | £7.95 |
| Excess from | £0below the median | Not confirmed | £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.
Eversure
Pros
- Personal breakdown cover starts at £17.47, under the €23.33 category figure.
- The cover limit per period of insurance is generous for a breakdown policy, and claims above it are excluded.
- A claims line, an online claim form and a contact form sit in 24 hour claims line, online make a claim form and contact form, so a stranded driver has more than one way in.
Cons
- Eversure is a broker, so the cover sits with an underwriter rather than with the broker.
- Personal breakdown cover is for a vehicle up to a stated age at the time of breakdown, which rules out older cars.
- The range of types is narrow at breakdown and gadget, so there is nothing to bundle beyond a gadget policy.
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.
Eversure
Who it suits
- Drivers whose car is still within the eligible age for personal breakdown cover
- Anyone who wants to cover a gadget alongside vehicle breakdown
- People who prefer arranging cover through a broker rather than a direct insurer
Who should look elsewhere
- Owners of a car past the eligible age, who need to look at alternatives built for older vehicles
- Drivers who want a single policy covering several vehicle types at once
- Shoppers wanting a direct insurer contract rather than a broker arrangement
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 | Eversure |
|---|---|---|
| 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.
Eversure
How much does Eversure personal breakdown cover cost?+
Personal breakdown cover starts at £17.47. That sits under the €23.33 recorded across breakdown providers, and below the €115.72 upper quartile. Premiums are arranged as monthly payments through the broker.
Who regulates Eversure?+
Eversure is authorised and regulated by the Financial Conduct Authority, the UK regulator, under reference 501311. Eversure Limited is the legal entity behind the brand and is based in the United Kingdom.
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