FlexPlus breakdown cover
Our FlexPlus current account comes with UK and European Breakdown Assistance. Whether you’re at home or by the roadside, you’ll have the help you need.
The AA has more expert patrols than anyone else. So, whether you drive petrol, diesel or electric they’ll get you back on the road quickly. Find out about the AA patrols, ratings and statistics (opens in a new window).
Accident Assist cover
If you or an authorised driver have an accident that isn't your fault, the AA can take care of recovery, repair and a replacement hire car.
Assistance online or over the phone
You can report any breakdown and track your Patrol right to your side using the free AA app (opens in a new window). Or you can report a breakdown by phone or on the AA website.
Breakdown assistance – for you, your vehicle and for when you’re a passenger
As long as you’re with an eligible vehicle when the breakdown happens and when help arrives or the driver has your permission and is legally allowed to drive. Please see the policy document - PDF 330KB (opens in a new window) for more information on vehicle eligibility.
For 2 days in the UK. Or up to £120 a day towards a replacement vehicle in the rest of Europe.
Cover for both of your vehicles with a joint account
If you have a joint FlexPlus current account, both you and the other account holder have breakdown cover for all your vehicles.
Roadside Assistance, At Home, National Recovery and Onward Travel
No matter where you are, you'll be helped on your way.
Unlimited call outs
There are no limits on the number of call outs you can make. Vehicles must be serviced, maintained in line with manufacturer guidelines, taxed and have a valid MOT. We’ll ask to see evidence of servicing, maintenance and repair if we believe you're using the service excessively.
Help even if your car can’t be fixed
If your car can’t be fixed at the roadside, the AA will tow it to a garage. They’ll provide a replacement vehicle for up to 2 days, pay for alternative transport costs or arrange and pay for a night’s accommodation at a hotel.
- No excess to pay
No need to register your vehicle
Cover starts when you open your FlexPlus account.
What's not included
Exclusions and limitations apply to some types of cover. Always check the policy documents for full details. Some of the key exclusions are:
Vehicles that do not have a valid MOT, vehicle tax, or are not serviced or maintained in line with manufacturer guidelines.
Vehicles not registered to the account holder(s) unless the account holder(s) is in the vehicle at the time of breakdown and when help arrives.
Vehicles not registered in the UK.
The cost of fuel and replacement parts. This is unless the work is carried out by the AA or its appointed agent and costs £5 or less, based on the AA's retail prices.
Vehicles bearing trade plates or that the AA have reason to believe have been imported or purchased at auction.
Vehicles must not exceed any of the following dimensions:
- Maximum vehicle weight: 3.5 tonnes (3,500kg) gross vehicle weight
- Maximum vehicle weight for motorhomes: 7.5 tonnes gross vehicle weight
- Maximum vehicle width: 2.55 metres (8ft 3in). This must make up the overall width of the vehicle bodywork excluding mirrors, measured at the widest points.
- Maximum vehicle length (in Europe only): 8 metres (23ft)
Please see the policy document - PDF 330KB (opens in a new window) for more information on vehicle eligibility.
To get FlexPlus breakdown cover
You need to:
- have a FlexPlus account.
- be a UK resident.
It’s not possible to have a FlexPlus account without the insurances, and you can’t buy the insurances separately.
Your policy is made up of your policy document and Insurance Product Information Document (IPID).
When your cover starts
As soon as your FlexPlus account is open, you'll benefit from the insurances, including breakdown assistance.
Sometimes, we might not be able to open your account straight away. For example, if you’re opening a joint account and we need additional signatures. In these cases, your cover begins as soon as you get your confirmation letter to tell you the account is open.
If you already have breakdown cover
Before you apply, consider if you already have breakdown cover. Think carefully about which policy will provide the best cover for you and your family.
If you’re covered by more than one policy, the cost of any claims might be shared between the insurance companies.
The breakdown cover with FlexPlus does not give the same level of cover as full AA Personal Membership.
If your circumstances change
If you change your vehicle to another one that’s eligible, you don't need to contact us or the AA. You'll still be covered.
If you move out of the UK, you’ll still have to pay the £13 fee each month for maintaining the account. However, you won’t qualify for any of the insurances that come with the account.
How to cancel your insurances
The only way to cancel your insurance cover is to close your FlexPlus current account. And you cannot cancel individual insurance policies, they come as a package.
How to make a claim
Please visit our dedicated claims page.
Who provides this cover
FlexPlus UK and European Breakdown Assistance is provided by 3 different insurers: Roadside Assistance, At Home and National Recovery are provided by Automobile Association Developments Limited (trading as AA Breakdown Services), Registered Office: Fanum House, Basing View, Basingstoke RG21 4EA (registered in England and Wales No:01878835); Onward Travel and European Breakdown Cover are underwritten by Acromas Insurance Company Limited, Registered Office: 57 to 63 Line Wall Road, Gibraltar (registered number 88716, Gibraltar); and Accident Assist is underwritten by AA Underwriting Insurance Company Limited, Registered Office: First Floor, Grand Ocean Plaza, Ocean Village, Gibraltar (registered number 106606, Gibraltar). Automobile Association Developments Limited, trading as AA Breakdown Services, is exempt from FCA authorisation under the Financial Services and Markets Act 2000. Acromas Insurance Company Limited and AA Underwriting Insurance Company Limited are registered by the Financial Services Commission, Gibraltar.