Updated September 28, 2026 · AssureCue Editorial Team
AA Breakdown vs Genertel (Generali group)
What sets them apart
| Compare |  AA Breakdown |  Genertel (Generali group) |
|---|---|---|
| Premium from | £5.49 | €9 |
| Insurance types | Breakdown, Auto, Home, Travel, Van, Motorcycle | Auto, Motorcycle, Van, Home, Landlord, Life, Travel, Pet |
| Excess from | £0 | €350 |
| Claims channels | Phone, App, Online | Mobile app, Assistance line (24h road assistance), Online contact request form, Reserved customer area |
| 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 9.2.
- Founded is lower at AA Breakdown: 1905 vs 1994.
- Insurance types: only AA Breakdown offers Breakdown.
- Insurance types: only Genertel (Generali group) offers Landlord, Life, Pet.
- Claims channels: only AA Breakdown offers Phone, App, Online.
- Claims channels: only Genertel (Generali group) offers Mobile app, Assistance line (24h road assistance), Online contact request form.
- 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.
Genertel (Generali group)
Genertel suits Italian households and drivers who want car, home, motorcycle, van, life, travel and pet cover from one insurer and can pay monthly instead of up front. It sits at 135 of 252 brands on starting premium, so the entry price sits in the middle of the field.
Score breakdown
| Area | AA Breakdown | Genertel (Generali group) |
|---|---|---|
| Cost | 9.3HigherPremium from £5.49 sits below the €23.33 median for breakdown cover on the site. | 8.7 |
| Offer | 9.5 | 9.5 |
| Trust | 9.7Higher | 9.4 |
Positions in our rankings
| Ranking | AA Breakdown | Genertel (Generali group) |
|---|---|---|
| Car insurance | 54 of 393 | 108 of 393 |
| Home insurance | 37 of 272 | 94 of 272 |
| Travel insurance | 67 of 291 | 117 of 291 |
| Motorbike insurance | 21 of 120 | 48 of 120 |
| Van insurance | 5 of 38 | 13 of 38 |
What each covers
| Insurance types | AA Breakdown | Genertel (Generali group) |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | No | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | Yes | Yes |
| Van | Yes | Yes |
| Breakdown | Yes | No |
| Landlord | No | Yes |
Every fact side by side
| Fact | AA Breakdown | Genertel (Generali group) |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Automobile Association Insurance Services Limited | Genertel SpA |
| Headquarters | United Kingdom | Italy |
| Founded | 1905Lower | 1994 |
| Support channels | Phone, Chat, Email, Help centreCovers more | Help centre, Email, Phone |
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.
Genertel (Generali group)
Pros
- Cover runs auto, motorcycle and van, so a household can keep car, home, life, travel and pet with the same carrier.
- Monthly payments are available, and the listed payment model is monthly.
- Support runs on help centre, email and phone, and claims can be opened through mobile app, assistance line (24h road assistance) and online contact request form.
Cons
- The motor third-party liability excess starts at €350, so smaller claims are not settled in full.
- Starting premium sits at 135 of 252 brands, against a site median of €8.37, which puts the entry price in the middle of the field.
- Support runs on help centre, email and phone, with no live chat listed.
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.
Genertel (Generali group)
Who it suits
- Households that want car, motorcycle, van, home, landlord, life, travel and pet under a single roof (auto, motorcycle and van).
- Drivers who prefer opening claims by app, by phone or through the online form in mobile app, assistance line (24h road assistance) and online contact request form.
- Anyone budgeting month by month rather than annually, since monthly payments are available.
Who should look elsewhere
- Price-first readers who are happy with bunq, where the listed premium starts at €0.
- Motor buyers comparing a single market, where Euroasia Insurance lists premiums from UZS 60,000.
- Shoppers after health or renters cover: Good Sam Insurance Agency includes both in auto, home and renters, while Genertel does not list them in auto, motorcycle and van.
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
Genertel (Generali group)
Current offer
Discount code
Sconto immediato di 25 EUR su polizza Auto, Moto, Furgoni e Van: 25 EUR
Purchase the policy online autonomously; customer service assistance voids the discount
Source, checked September 26, 2026
Bonus
Promozione Assicurazione Vita Genertel: Buono Regalo Amazon.it fino a 200 EUR: up to 200 EUR Amazon.it gift voucher
Valid 21/09/2026 to 31/12/2026, voucher from 25 EUR to 200 EUR depending on policy premium, restrictions apply
Source, checked September 26, 2026
Bonus
Genertel e partner di PAYBACK: 50 PAYBACK points
Buy a Genertel policy among those in promotion
Source, checked September 26, 2026
Country by country
| Country | AA Breakdown | Genertel (Generali group) |
|---|---|---|
| Italy | 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.
Genertel (Generali group)
What does Genertel cost to get started with?+
Home cover is priced from €9. On starting premium that puts Genertel at 135 of 252 brands ranked here, and the site median is €8.37. So the entry point sits close to the middle of the field rather than at the cheap end.
Is there an excess to pay on car claims?+
On motor third-party liability the excess starts at €350, which is the share of a claim the insurer leaves with the policyholder. A claim under that figure is not settled in full. That is the excess figure listed, and other parts of a policy carry their own terms.