Updated September 29, 2026 · AssureCue Editorial Team
AA Breakdown vs Zego
Where AA Breakdown and Zego differ
| Compare |  AA Breakdown | Zego ReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Breakdown, Auto, Home, Travel, Van, MotorcycleCovers more | Auto, Van, Motorcycle |
| Excess from | £0Lower | £25 |
| Cover limit | GBP 535 per claim for Parts and Garage Cover | Third party property damage up to GBP 5m; personal accident up to GBP 5,000; motor legal protection up to GBP 100,000 |
| Claims channels | Phone, App, Online | App, Online form, Chat, Phone, Email |
| Premium from | £5.49 | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- AA Breakdown scores higher overall: 9.5 vs 9.4.
- Zego is available in 1 more country.
- Excess from is lower at AA Breakdown: £0 vs £25.
- Insurance types: only AA Breakdown offers Breakdown, Home, Travel.
- Claims channels: only AA Breakdown offers Online.
- Claims channels: only Zego offers Online form, Chat, Email.
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.
Zego
Zego suits van, car and motorcycle owners who want an insurer that writes the policy itself and keeps the excess low, starting at £25, with monthly payments the only listed model. It is a specialist in road cover rather than a generalist, so anyone also wanting home or travel protection should look elsewhere.
Score breakdown
| Area | AA Breakdown | Zego |
|---|---|---|
| Cost | 9.3HigherPremium from £5.49 sits below the €23.33 median for breakdown cover on the site. | 9.1Excess from £25 on the personal van policy, and monthly payments as the only listed model, spread the outlay. |
| Offer | 9.5 | 9.5 |
| Trust | 9.7Higher | 9.6 |
What we checked
AA Breakdown
- theaa.com: 12 facts, checked September 26, 2026
Zego
- zego.com: 10 facts, checked September 26, 2026
How they place
| Ranking | AA Breakdown | Zego |
|---|---|---|
| Car insurance | 54 of 393 | 80 of 393 |
| Motorbike insurance | 21 of 120 | 31 of 120 |
| Van insurance | 5 of 38 | 7 of 38 |
Every fact side by side
| Fact | AA Breakdown | Zego |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Automobile Association Insurance Services Limited | Extracover 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 | Zego | Median |
|---|---|---|---|
| Premium from | £5.49below the median | Not confirmed | £7.95 |
| Excess from | £0below the median | £25at 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.
Zego
Pros
- An insurer, insurer, so the cover is underwritten by the company you deal with rather than placed by a broker.
- A Financial Conduct Authority licence for the UK, 757871, which keeps the contract inside a supervised market.
- The excess starts at £25 on the personal van policy, so a smaller claim costs less to absorb.
Cons
- Cover stops at auto, van and motorcycle, while Euroasia Insurance also writes auto, home and travel.
- The app and an online form are not among its support channels, email, chat and phone; both sit in the claims list, app, online form and chat.
- Payments run on monthly only, so the monthly plan is the single listed way to pay.
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.
Zego
Who it suits
- Van owners who want the excess kept low at £25 and can settle the premium monthly.
- Drivers and riders who want an insurer, insurer, holding a Financial Conduct Authority licence in the UK, 757871.
- Anyone who would rather open a claim in the app or by chat than wait on hold, app, online form and chat.
Who should look elsewhere
- Home, travel or gadget buyers, since Euroasia Insurance writes auto, home and travel alongside road cover.
- Landlord, renters or home emergency seekers, since Hiscox UK lists home, renters and landlord and Zego's lines are auto, van and motorcycle.
- Readers who want life, health or pet cover in the same place, since Good Sam Insurance Agency lists auto, home and renters.
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 | Zego |
|---|---|---|
| Ireland | No | Yes |
| 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.
Zego
Is Zego an insurer or a broker?+
Zego is an insurer, recorded as insurer, so the policy sits with the firm you apply to rather than with a broker placing cover on behalf of someone else. Good Sam Insurance Agency and Hiscox UK both run far wider line lists, auto, home and renters and home, renters and landlord, while Zego keeps to auto, van and motorcycle.
Who regulates Zego in the UK?+
The regulator named on the licence is the Financial Conduct Authority, and the reference is 757871. That places the firm inside the UK system for insurance providers, with the same supervisory framework that applies to any other insurer selling in this market. Keep the reference with your policy documents, since it is the item to check on the regulator's record.