Overlay
Packaged bank accounts

Car breakdown cover

To apply for a packaged account you must be an existing current account customer. 

What is car breakdown cover?

Car breakdown cover is a type of insurance that means you'll get assistance if your car breaks down.

If your vehicle can't be fixed at the roadside, the AA could help you complete your journey.

We offer car breakdown cover with our packaged bank accounts

These are only available to existing NatWest current account customers.

Why is car breakdown cover important?

It ensures you're not left standing at the roadside. It gives peace of mind that someone will come and help you complete your journey. Policies can cover cars, motorbikes, and caravans.

Do I legally need car breakdown?

No, you're not legally required to have car breakdown cover however it's good to know who to call when you're stranded. It could also save you money on emergency call out charges.

Which accounts have breakdown cover?

Our Platinum bank accounts come with UK breakdown cover. Our Black bank accounts come with UK and European breakdown cover.

Not sure a packaged account is for you?

 View our full range of accounts, including accounts with no monthly fee.

Who is covered with my car breakdown cover?

For both Platinum and Black account customers you’re covered as a driver or passenger in any privately registered vehicle you travel in throughout the UK. 

Anyone driving or travelling in your vehicle is covered too.

Our Black account customers are also covered in Europe for trips that start and end in the UK (see your terms for a full list of qualifying countries).

What's included with my car breakdown cover?

We have a range of cover across our packaged bank accounts. Please see the Platinum benefit terms and Black account benefit terms for full details and exclusions. 

The AA can help when you break down or are involved in an accident.

Common problems that may cause a breakdown include:

  • Flat tyres.
  • Flat battery.
  • Misfuelling.
  • Mechanical or electrical failure.
  • Theft or attempted theft.
  • Accidental or malicious damage.
  • Running out of fuel.
  • Losing or breaking your vehicle keys.
  • Road accident.

Things to remember

  • You’ll have unlimited callouts, though repeat callouts for the same fault within 28 days won’t be covered.
  • Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
  • The AA can help you complete your journey by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.
  • All vehicles must meet legal requirements - insured, taxed and with a valid MOT.
  • All vehicles must be within 3.5 tonnes, no wider than 2.55m. 
  • For Black account customers in Europe, vehicles must be no longer than 7m or higher than 3m. Motorbikes under 200cc are not covered.

Types of breakdown cover included with our bank accounts

Roadside Assistance

The AA will help you anywhere in the UK (Platinum, Black accounts) & Europe (Black account) if you break down away from home.

At Home

The AA will come to you when your car won’t start at home.

National Recovery

If the AA can't get your vehicle going, they'll take you and your vehicle to a single destination of your choice.

Onward Travel

This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.

We've partnered with the AA

These are just some of the reasons why we’ve partnered with the AA.

  • The AA has more expert Patrols, all trained in electric vehicles, who attend and repair more breakdowns than any other UK provider.
  • They get most of their Members going again in around 30 minutes of arrival.
  • They are the only UK breakdown provider to belong to ARC Europe connected to over 40 breakdown services in 40 countries.
  • They’ve been named as a Which? Recommended Provider for breakdown services for five years running.

Information provided by the AA in November 2022. Verify at www.theAA.com/best

Accident Assist

A complimentary 24/7 accident claims service. The AA will handle your insurance claim – at no additional cost – no matter which company insures you. You can watch a video about this at theaa.com/accident-assist.

Underwritten by AA Underwriting Insurance Company Limited.

Bank accounts with car breakdown cover

Reward Platinum and Select Platinum account

UK car breakdown cover, including Roadside Assistance, At Home, National Recovery and Onward Travel.
  • You’re covered as a driver or passenger in any privately registered vehicle you travel in throughout the UK.
  • Anyone driving or travelling in your vehicle is covered too.

Are you an existing customer? Manage your Reward Platinum or Select Platinum benefits.

To apply for a Reward Platinum you must be an existing NatWest current account customer. £20 monthly fee. Select Platinum can't be applied for.

Reward Black and Black account

UK & European car breakdown cover, including Roadside Assistance, At Home, National Recovery and Onward Travel.
  • You’re covered as a driver or passenger in any privately registered vehicle you travel in throughout the UK.
  • Anyone driving or travelling in your vehicle is covered too.
  • Your privately registered UK vehicle is also covered in Europe.

Are you an existing Premier customer? Manage your benefits.

To apply for a Reward Black you must be an existing NatWest current account customer and meet one of the following criteria: have a minimum £100k sole income or £120k joint income paid into your NatWest account, or £500k minimum mortgage borrowing with us, or minimum £100k savings or investments held with us. £31 monthly fee. Black account can't be applied for.

Car breakdown cover terms

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

Broken down and need assistance?

We're on call 24/7, so you'll have peace of mind that you'll never be left stranded. Calls may be recorded.

  1. 01

    You can call Membership Services:

    Platinum: 0345 609 0453 (Relay UK 18001 0345 609 0453)

    Black: 0345 601 7188 (Relay UK 18001 0345 601 7188)
    Overseas: +44 (0) 345 601 7188

  2. 02

    You can log in and manage your benefits any time using Membership Services.

  3. 03

    You can log and track breakdowns on the AA app, download today.

Common questions about our car breakdown cover

Something else we can help you with?