Breakdown cover for older vehicles
Breakdown cover for older vehicles
Author
Discussion

itcaptainslow

Original Poster:

4,433 posts

158 months

Monday 17th November 2025
quotequote all
My partner & I need to renew our breakdown cover, and it seems the RAC (who we're currently with and have just dropped a nigh on doubling of the premium, despite no call outs) are about the only company I can find who will provide personal cover (important as we own quite a few cars) on any age of vehicle. Most providers I've looked at have an age limit of between 16-25 years as a maximum.

EU cover ideal, but not essential as I can buy a standalone policy when I go (usually in a car that's either sub five years or ten years old, I won't take the 43 year old Metro!).

Any suggestions?

2 sMoKiN bArReLs

31,656 posts

257 months

Monday 17th November 2025
quotequote all
Does the AA have an age limit on the car?

2 sMoKiN bArReLs

31,656 posts

257 months

Monday 17th November 2025
quotequote all
The AA T & C I've seen say:

If you have Personal cover (for you, for two
people or Family cover), the people named on
your policy are covered as drivers or
passengers in any vehicle

itcaptainslow

Original Poster:

4,433 posts

158 months

Monday 17th November 2025
quotequote all
2 sMoKiN bArReLs said:
Does the AA have an age limit on the car?
Just had a look at their T&C's and they don't specifically exclude older vehicles, unfortunately their price isn't especially competitive.

2 sMoKiN bArReLs

31,656 posts

257 months

Monday 17th November 2025
quotequote all
itcaptainslow said:
2 sMoKiN bArReLs said:
Does the AA have an age limit on the car?
Just had a look at their T&C's and they don't specifically exclude older vehicles, unfortunately their price isn't especially competitive.
hehe

Well, I guess you can't have everything.



itcaptainslow

Original Poster:

4,433 posts

158 months

Monday 17th November 2025
quotequote all
Well, it is when you discover you get a significant discount via the IAM! I think we have a winner...

Cheers for that Mr 2SB!

2 sMoKiN bArReLs

31,656 posts

257 months

Monday 17th November 2025
quotequote all
itcaptainslow said:
Well, it is when you discover you get a significant discount via the IAM! I think we have a winner...

Cheers for that Mr 2SB!
Cheers.

Also, you'll generally get a better price if you ring up rather than online.



LimmerickLad

5,931 posts

37 months

Monday 17th November 2025
quotequote all
IAM?

QuartzDad

2,744 posts

144 months

Monday 17th November 2025
quotequote all
Auto Aid appear to have a £25 excess for cars over 10 years old with no upper age limit.

2 sMoKiN bArReLs

31,656 posts

257 months

Monday 17th November 2025
quotequote all
Just one thing.

The T & C do say that the car needs a valid MOT. Might be worth checking that's not a back door way of excluding MOT exempt cars! (I doubt it is, but worth checking).

jollysoutherner

166 posts

245 months

Monday 17th November 2025
quotequote all
Autoaid. Arranged recovery for our Austin 7 last weekend. bow

£25 excess for old cars each time you call them out but way cheaper than the anything else I've found. Offer personal cover for any vehicle and were very helpful on the phone.



RATATTAK

17,361 posts

211 months

Monday 17th November 2025
quotequote all
Auto Aid Breakdown charge me £76.99 for two cars. (One over 13 and one over 17) There is a callout fee if I ever need them. Worth a look.

Fastpedeller

4,170 posts

168 months

Monday 17th November 2025
quotequote all
2 sMoKiN bArReLs said:
Just one thing.

The T & C do say that the car needs a valid MOT. Might be worth checking that's not a back door way of excluding MOT exempt cars! (I doubt it is, but worth checking).
The exact wording is critical. When I looked a few years ago for RAC it said something like "The vehicle must have an MOT if legally required". I had a head gasket fail on my kitcar (Historic vehicle staus) and the call centre asked about MOT staus - I replied it is Historic Vehicle so MOT isn't required; this was accepted, and RAC attended.

Red9zero

10,173 posts

79 months

Monday 17th November 2025
quotequote all
Start Rescue cover my 1987 LR 90.

DaveCWK

2,284 posts

196 months

Monday 17th November 2025
quotequote all
I've always struggled with this, particularly cover in Europe & repatriation etc

I found the cover I wanted as part of my classic insurance.

Fastpedeller

4,170 posts

168 months

Monday 17th November 2025
quotequote all
When I enquired with another provider (I don't recall which) for cover on our cars including a kit car which is registered as new 2009, I was told they would not cover because of the age-related registration (Ereg prefix).

Chromegrill

1,134 posts

108 months

Monday 17th November 2025
quotequote all
jollysoutherner said:
Autoaid. Arranged recovery for our Austin 7 last weekend. bow

£25 excess for old cars each time you call them out but way cheaper than the anything else I've found. Offer personal cover for any vehicle and were very helpful on the phone.


To be fair, it's hard to see how they couldn't charge a bit more than the usual suspects if they send out an articulated lorry every time they came to rescue you in a car the size of a Mini.

x type

980 posts

212 months

Monday 17th November 2025
quotequote all
I just did a quote on AA for me and wife any car
for basic cover

Joint cover £94.90

If you add on extras as below

At Home
National Recovery
Onward Travel

£189.50

My Rac renewal came in at £324 back in September for 4 members of family , me , wife 2 kids
took kids off because they have cover with own cars now reduced to £284

Told them AA have an offer for £133
Joint personal cover
At Home
National Recovery
Onward Travel

They matched it what sort of price have you been quoted ?



mike9009

9,449 posts

265 months

Monday 17th November 2025
quotequote all
AutoAid for me too.

Covers me and missus and three vehicles for about £60PA.

They came and rescued our 1982 VW T25 for £25 ( from memory)... Came out in 35 minutes too..... Damn distributer failed......

itcaptainslow

Original Poster:

4,433 posts

158 months

Monday 17th November 2025
quotequote all
Unfortunately AutoAid won’t cover my partner & I under one policy as we’re not married!

The AA so far are winning - sub £100 with IAM discount for home start & relay, for the both of us in any vehicle.