Updated September 29, 2026 · AssureCue Editorial Team
AA Breakdown vs Verti
What sets them apart
| Compare |  AA Breakdown |  Verti |
|---|---|---|
| Premium from | £5.49 | €8.17 |
| Insurance types | Breakdown, Auto, Home, Travel, Van, MotorcycleCovers more | Auto, Motorcycle, Van |
| Monthly payments | YesHas it | No |
| Excess from | £0 | €150 to €500 |
| Cover limit | GBP 535 per claim for Parts and Garage Cover | Auto liability: EUR 100 million lump sum, EUR 15 million for personal injury |
| Claims channels | Phone, App, Online | Phone, Online form, Email |
Same on both: Provider type (Insurer).
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Key differences
- AA Breakdown scores higher overall: 9.5 vs 9.0.
- Founded is lower at AA Breakdown: 1905 vs 1996.
- Monthly payments: only AA Breakdown.
- Insurance types: only AA Breakdown offers Breakdown, Home, Travel.
- Claims channels: only AA Breakdown offers App, Online.
- Claims channels: only Verti offers Online form, 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.
Verti
Verti Versicherung AG is a German insurer for drivers, riders and van owners who want a low entry price and a long-standing provider. Car premiums start at €8.17, with an excess of €150 to €500 and no monthly payments. Cover runs across auto, motorcycle and van.
Score breakdown
| Area | AA Breakdown | Verti |
|---|---|---|
| Cost | 9.3HigherPremium from £5.49 sits below the €23.33 median for breakdown cover on the site. | 8.5Car premiums start at €8.17 with excess of €150 to €500, below the site median of €8.37. |
| Offer | 9.5Higher | 9.0 |
| Trust | 9.7Higher | 9.4 |
Positions in our rankings
| Ranking | AA Breakdown | Verti |
|---|---|---|
| Car insurance | 54 of 393 | 20 of 393 |
| Motorbike insurance | 21 of 120 | 13 of 120 |
| Van insurance | 5 of 38 | 2 of 38 |
What each covers
| Insurance types | AA Breakdown | Verti |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | No |
| Travel | Yes | No |
| Motorcycle | Yes | Yes |
| Van | Yes | Yes |
| Breakdown | Yes | No |
Availability and regulation
| Country | AA Breakdown | Verti |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Not confirmed |
Additional countries for AA Breakdown: 1. Additional countries for Verti: 1.
What we checked
AA Breakdown
- theaa.com: 12 facts, checked September 26, 2026
Verti
- verti.de: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | AA Breakdown | Verti |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Automobile Association Insurance Services Limited | Verti Versicherung AG |
| Headquarters | United Kingdom | Germany |
| Founded | 1905Lower | 1996 |
| Support channels | Phone, Chat, Email, Help centreCovers more | Phone, Email, 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.
Verti
Pros
- Car premiums start at €8.17, under the site median of €8.37
- Insurance types cover auto, motorcycle and van under one insurer
- Auto liability is set at a high lump sum, with a separate personal injury limit
Cons
- Excess starts at €150 to €500, so claims leave you with a share of the bill
- Home and travel are not among the lines in auto, motorcycle and van, which lists vehicle cover only
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.
Verti
Who it suits
- Drivers who want annual cover at a low entry price
- Motorcycle and van owners wanting one provider
- Policyholders who like phone or online claim reporting
Who should look elsewhere
- Anyone who wants to spread the cost with monthly payments
- Households wanting home, travel or life cover from one insurer
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
Verti
Current offer
Bonus
Free Fahrerschutz (driver protection) on new car policies: Cover up to EUR 500,000 per claim at no cost for the whole contract term
Only with a new car policy or tariff switch, selection must be made during the quote; cannot be added to existing contracts
Source, checked September 26, 2026
Discount code
Kasko Clever: Up to 15% reduction on the partial or full cover premium
Optional workshop binding in partial or full cover for cars; no replacement vehicle or free pick-up for pure glass damage
Source, checked September 26, 2026
Discount code
Up to 10% on the first car: 5% off liability and full cover, 10% off partial cover
Only when taking out car insurance on verti.de or by phone; not combinable with other promotions; not applicable to existing contracts
Source, checked September 26, 2026
Discount code
10% on Privathaftpflicht: 10% off the private liability premium
Only for existing Verti customers with at least one active car policy; only via verti.de or the Verti customer service
Source, checked September 26, 2026
Country by country
| Country | AA Breakdown | Verti |
|---|---|---|
| Germany | 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.
Verti
How much does Verti charge for car insurance?+
Car premiums start at €8.17, under the site median of €8.37. Prices across the table run as high as €3,431.08, so the starting figure is only the cheapest end. A quote depends on the vehicle and driver.
What is the excess on a Verti policy?+
The excess starts at €150 to €500 under the promotional terms. That amount is your share of a claim, so a higher excess costs less but leaves more to pay at the point of loss. The stated terms apply on the promotional offer.
Other options to compare
Other matchups
- Verti vs Income Insurance
- AA Breakdown vs DZI
- AA Breakdown vs MiWay
- AA Breakdown vs Zego
- AA Breakdown vs Belfius
- AA Breakdown vs Admiral Group
- AA Breakdown vs Genertel (Generali group)
- Verti vs Aviva
- Verti vs Churchill
- Verti vs RAC
- Verti vs Verti IT
- AA Breakdown vs KS Auxilia
- Verti vs AXA
- Verti vs CosmosDirekt
- Verti vs TIPINSURE
- Verti vs Acko
- Verti vs DirectAsia
- AA Breakdown vs Gigasure
- Verti vs YouSet
- AA Breakdown vs Eversure
- AA Breakdown vs hotline.finance
- AA Breakdown vs Emergency Assist
- Verti vs Assurland.com
Related by the facts
- Explorer Travel Insurance, also regulated by Financial Conduct Authority
- Insurance providers with Auto
- Insurance providers available in United Kingdom
- KS Auxilia, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Motorcycle
- Insurance providers available in Germany