Updated September 28, 2026 · AssureCue Editorial Team
AA Breakdown vs Gigasure
What sets them apart
| Compare |  AA Breakdown |  Gigasure |
|---|---|---|
| Premium from | £5.49Lower | £36.35 |
| Insurance types | Breakdown, Auto, Home, Travel, Van, MotorcycleCovers more | Travel, Van |
| Provider type | Insurer | Broker |
| Excess from | £0 | £0 to £10,000 |
| Cover limit | GBP 535 per claim for Parts and Garage Cover | Medical expenses trips abroad: GBP 10,000,000 (Core) to GBP 20,000,000 (Max) |
| Claims channels | Phone, App, Online | App, Website |
| Monthly payments | Yes | Not confirmed |
| Age range | Not confirmed | 18-75 single trip, 18-70 annual multi-trip |
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Key differences
- AA Breakdown scores higher overall: 9.5 vs 8.9.
- Premium from is lower at AA Breakdown: £5.49 vs £36.35.
- Insurance types: only AA Breakdown offers Breakdown, Auto, Home.
- Claims channels: only AA Breakdown offers Phone, Online.
- Claims channels: only Gigasure offers Website.
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.
Gigasure
Gigasure suits people in the UK who want travel or van cover alone rather than a full personal lines policy, and car hire excess cover starts at £36.35. It is a broker registered with the Financial Conduct Authority, so the selling firm is named, regulated and checkable.
Score breakdown
| Area | AA Breakdown | Gigasure |
|---|---|---|
| Cost | 9.3HigherPremium from £5.49 sits below the €23.33 median for breakdown cover on the site. | 9.0Entry price of £36.35 for car hire excess sits above the site median, which stands at €8.37. |
| Offer | 9.5Higher | 9.0 |
| Trust | 9.7Higher | 8.8 |
Side by side, item by item
| Insurance types | AA Breakdown | Gigasure |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Travel | Yes | Yes |
| Motorcycle | Yes | No |
| Van | Yes | Yes |
| Breakdown | Yes | No |
Where each is licensed and available
| Country | AA Breakdown | Gigasure |
|---|---|---|
| United Kingdom |
Available in 1 country for both.
A third option
Hiscox UK has premium from at £5.20, against £5.49 for AA Breakdown and £36.35 for Gigasure.
Hiscox UK reviewHow they place
| Ranking | AA Breakdown | Gigasure |
|---|---|---|
| Car insurance | 54 of 393 | 21 of 393 |
| Travel insurance | 67 of 291 | 31 of 291 |
| Van insurance | 5 of 38 | 3 of 38 |
Every fact side by side
| Fact | AA Breakdown | Gigasure |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Automobile Association Insurance Services Limited | Gigasure Services Limited |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 1905 | Not confirmed |
| Support channels | Phone, Chat, Email, Help centre | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | AA Breakdown | Gigasure | Median |
|---|---|---|---|
| Premium from | £5.49below the median | £36.35highest quarter | £7.95 |
| Excess from | £0below the median | £0 to £10,000below 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.
Gigasure
Pros
- Excess on car hire excess cover runs £0 to £10,000, so a traveller chooses how much of the rental charge to carry instead of accepting a fixed figure.
- Claims are filed through the app and website and support runs on email, chat and phone, giving policyholders live and written routes inside the same provider.
- The FCA registration 1005421 sits on a broker, so the firm taking the instruction is named and checkable by the customer.
Cons
- The catalogue is travel and van, so anyone wanting home, motor or life in the same place has to move to another provider.
- On entry price Gigasure ranks 199 of 252 across the site, so the starting figure sits high in a list sorted from the lowest premium.
- The 5.1 overall score is a middling one, and its 5.1 cost part is the same, so the price case is the part that needs arguing.
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.
Gigasure
Who it suits
- Travellers inside the 18-75 single trip, 18-70 annual multi-trip bands, whether they are booking a single trip or an annual multi-trip policy.
- Anyone taking a car hire excess policy who wants the excess set themselves, with options running £0 to £10,000.
- Van owners who want travel and van held by the same broker, given the range is travel and van.
Who should look elsewhere
- Shoppers after auto, home or pet in the same place: Good Sam Insurance Agency lists auto, home and renters.
- Readers comparing a UK budget with another market: EuroAsia Insurance is priced at UZS 60,000 in Uzbek soum, which does not line up with a UK travel or van figure.
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 | Gigasure |
|---|---|---|
| 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.
Gigasure
What does Gigasure actually sell?+
Gigasure is a focused personal lines broker and its range is travel and van, travel and van, with nothing else sitting alongside them. A shopper after a full household bundle is looking at a different kind of provider. Both lines sit inside the same brand, which keeps quoting and claims in the same place.
How much does car hire excess insurance cost?+
The entry figure is £36.35 for car hire excess cover, and the excess a traveller accepts on that policy runs £0 to £10,000. How much of the rental company's charge you agree to carry is the decision behind the quote, so £36.35 reads as the floor of the price rather than a typical bill.
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