Bank of scotland

Enhanced Breakdown Cover

The AA Breakdown Cover that comes with your Bank of Scotland Packaged Bank Account now comes with Family Cover!

Your new policy will be called AA Breakdown Family Cover!

Your enhanced cover starts from 15th August 2022. Please find information regarding this cover below. We will update AA Breakdown Cover terms and conditions with details of the family cover on the 1st November 2022.

What is AA Breakdown Family Cover?   

With AA Breakdown Family Cover, there’s cover for account holders and certain family members in vehicles, whether you or they are the driver or the passenger. Family members must live at the account holder’s home address or be temporarily living away from that address, but still within the UK (e.g. students).

Eligible family members will include your:

  • Partner*
  • Parents**
  • Siblings***
  • Grandparents
  • Children****
  • Other family members*****

You’ll all be covered as drivers or passengers in most vehicles, including cars, motorbikes and vans.

* including spouse, civil partner, fiancé/fiancée
** including stepparents, foster parents, father in-law, mother in-law
*** including brothers, sisters, brother in-law, sister in-law, step-sisters, step-brothers
**** including stepchildren, foster children, grandchildren, son in-law, daughter in-law
***** including aunts, uncles, nieces, nephews and first cousins


What's included in AA Breakdown Family Cover?

Your AA Breakdown Family Cover policy includes roadside assistance that covers you and your eligible family members 24/7 if you break down more than a quarter of a mile from home.

You get unlimited call-outs, as long as it's not a recurring problem with your vehicle.

Eligible vehicles1 of any age are covered including cars, vans, motorcycles, campervans and caravans.

Plus a host of additional cover depending on the account you hold with us.

AA Breakdown Family Cover

AA Breakdown Family Cover

Private Banking Premier packaged current account cover includes:

  • Roadside Assistance
  • At Home
  • National Recovery
  • Onward Travel


Please note this account is no longer on sale to new customers but existing customers can add a party to their account.

Further information on the cover included with your account can be found in your AA Breakdown cover terms and conditions.

1 Important Exclusions to be aware of:

  • There’s no cover when travelling in a car, van, minibus or motorcycle exceeding the weight restriction of 3.5 tonnes and max width restriction of 8ft 3in (2.55m).

How to report a breakdown?

Call the AA on the number below to speak to one of their telephony team to report a breakdown:

Private Banking – 0800 032 0371

Eligible family members will need to provide the account holder’s full name, address and postcode before the service can be provided. Family members will also need to show a form of identification when the AA patrol arrives.

Account holder(s) will continue to be asked for their membership number. This is their sort code and account number. They will need to show their Visa debit card when the AA patrol arrives.


AA Breakdown Family Cover FAQs

Bank of Scotland plc and Lloyds Bank plc are both part of Lloyds Banking Group. More information on Lloyds Banking Group can be found at

Bank of Scotland plc

Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland No. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 169628.

Lloyds Bank plc 

Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.