Paying £150 to the AA or RAC? Stop! Your Bank Account Might Already Cover You for Free

⚠️ Double Payment Alert: Are you paying a monthly direct debit to the AA, RAC, or Green Flag? Stop! If you have a "Packaged Bank Account" (paying a monthly fee), you likely already have full breakdown cover included. You are paying twice for the same service.

🚗 The £150 Mistake Millions of Drivers Make

Winter is here, and the fear of a flat battery or a blown tyre on the M25 is real. So, you dutifully pay your annual subscription to a breakdown provider.

But wait. Check your bank statement. Do you pay a monthly fee (e.g., £15 or £18) for your current account?

If yes, you are throwing money down the drain. "Packaged" bank accounts often bundle Worldwide Travel Insurance, Mobile Phone Insurance, and Breakdown Cover into one fee.

Packaged Accounts vs. Standalone Cover

Let's look at the maths. Buying everything separately vs. getting it from your bank.

Paying £150 to the AA or RAC? Stop!

Feature	Buying Separately (AA/RAC)	Nationwide FlexPlus (Example)
Cost Per Year	~£180 - £220 (Full Cover)	£216 (£18/month)
Coverage Level	Roadside + Home Start	Full UK & European Cover
Who is Covered?	Usually 1 Person/Vehicle	Account Holder + Family

Top 3 Banks That Include Breakdown Cover

Check if you are with one of these providers. If so, cancel your separate policy immediately.

🏦 The "Hidden" Benefits

• Nationwide FlexPlus: Includes AA breakdown cover (UK & Europe) for the account holder AND family members living at home. (Note: £18/month fee applies).
• Halifax Ultimate Reward: Includes AA breakdown cover (Roadside Assistance, Home Start, and Relay).
• Monzo Max (formerly Premium): Includes RAC breakdown cover for you and a passenger, in any vehicle.

Chief Editor’s Verdict

Insurance is about peace of mind, not throwing money away. Paying for breakdown cover twice is one of the most common financial mistakes in the UK.

Action Step: Log in to your banking app right now. Look for "Benefits" or "Insurance". If you see an AA, RAC, or Green Flag logo, call your breakdown provider and cancel your direct debit today. You just saved over £150 a year.

[Legal Disclaimer]
This article provides general information only. Banking benefits and insurance terms are subject to change. Important: Bank-bundled breakdown policies often have stricter exclusions than standalone policies, such as vehicle age limits (e.g., cars over 10-16 years old may not be covered). Always verify the Policy Document in your banking app before cancelling existing cover.