Car Breakdown Cover | Packaged Bank Accounts | NatWest (2023)

Packaged bank accounts

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

Car breakdown cover is provided by Automobile Association Developments Limited (trading as AA Breakdown Services).

On this page

Who's covered

What's included

Broken down and need assistance?

Get the AA app

Bank accounts with breakdown cover

Breakdown policy documents

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.

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.

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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.

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.

Not sure a packaged account is for you?

View our fullrange 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 thebenefit 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.
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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.

Roadside Assistance,At Home and National Recovery are provided by Automobile Association Developments Limited (trading as AA Breakdown Services). Onward Travel and European Cover is underwritten by Acromas Insurance Company Limited.

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.

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

Download the AA app

If you are an existing Platinum or Black account customer, we invite you to download the AA app. It's handy to have if you break down away from home.

  • Report a breakdown through the app
  • Track help as it makes its way to you
  • No need to give directions - the AA wil come straight to your phone's location

The AA will send you live text updates so you can follow their progress, and you’ll be able to track your patrol on the map 15 minutes before they arrive.Subject to network coverage and AA Patrol attendance.

Occasionally, if the AA mechanics aren't free, they'll send out a third party patrol to get you back on the road. If this happens, you won’t be able to follow them on the map but you’ll still get text updates.

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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.
  • Your breakdown cover automatically begins once your account has been changed, this can take up to 48 hours after you apply.

Are you an existing customer?To see the full list of your account benefits:

Manage your Reward Platinum

Manage your Select Platinum

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.

Apply for a Reward Platinum

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.
  • Your breakdown cover automatically begins once your account has been changed, this can take up to 48 hours after you apply.

Are you an existing Premier customer?Manage your benefits.

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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.

Apply for a Reward Black

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.

  • Platinum Benefit Terms (PDF, 323 KB)
  • Platinum Account Insurance Product Information Documents (PDF, 149 KB)
  • Black Benefit Terms (PDF, 541 KB)
  • Black Account Insurance Product Information Documents (PDF, 157 KB)

Common questions about our car breakdown cover

What is my membership number?

You don't need a membership number – your access to the service is through your account number and sort code. When you call for assistance, the AA will know you have a Platinum or Black Account. You can also download the AA app. You will need your sort code and account number to do this.

Do I need to register for car breakdown cover?

You don't need to register, you're automatically covered if you have a NatWest Reward Platinum, Select Platinum, Reward Black or Black account.

What details do I have to provide if my vehicle breaks down?

You'll be asked a few questions to identify and verify yourself, for example your name, address, your account number and sort code. The AA will also need the vehicle details, the registration number, the fault with the vehicle and your location.

If you download the AA app, the AA can track your location to your phone.

How many callouts can I make?

You’ll have unlimited callouts, though repeat callouts for the same fault within 28 days won’t be covered.

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 yourtermsfor a full list of qualifying countries).

Do I have to show any identification to the mechanic who comes to assist me?

The information you give the AA whilst logging your breakdown will be sufficient. An AA Patrol should not ask to see your bank account card.

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