aa national recovery and onward travel

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• Car Breakdown Cover
• The 5 main types of breakdown cover explained

The 5 Main Types of Breakdown Cover Explained

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Breakdown cover can seem like a bit of a riddle at times, but it doesn’t have to be a mystery. By understanding the different types of breakdown cover and how they relate to your needs, you’ll be perfectly placed to select the most suitable policy. Better awareness of your options can help you to save money and enjoy the right level of protection at the same time.

» MORE:  What is breakdown cover?

There are five main types of breakdown cover, which we will explain in more detail below:

Roadside Assistance Breakdown Cover

National recovery breakdown cover, home start breakdown cover, onward travel breakdown cover, european breakdown cover, compare breakdown cover.

Use our comparison table to find breakdown cover from leading providers

Roadside Assistance is the most basic form of breakdown cover; indeed, providers often refer to it as a basic policy.

As it sounds, Roadside Assistance cover will provide help to drivers by the side of the road should they break down. Assistance will typically come in the form of an engineer who will attempt to repair your car at the scene. If repairs aren’t possible, your car will be towed to a nearby garage chosen by your breakdown provider (within a certain radius of the incident), where you can arrange to collect it as soon as it’s fixed. The cost of any replacement parts the engineer may use, or any repairs that need to be made at the garage, will not usually be covered under this breakdown policy.

Furthermore, standard Roadside Assistance may not cover you if you break down at home or close to home (often within approximately ¼ of a mile). You may be able to request assistance but only for an additional fee.

Do I need Roadside Assistance?

For drivers who regularly traverse the highways and byways of the United Kingdom, National Recovery is a useful breakdown service. As with Roadside Assistance, if you breakdown anywhere in the UK, an engineer will come to your aid and attempt a roadside repair on your vehicle.

However, rather than being limited to being taken to a nearby garage if your car can’t be fixed by the road, National Recovery breakdown cover enables you and your car to be taken to any destination in the UK for repair.

This means you can get taken to a garage and location of your choice, whether it’s your home or any other destination, which could help to minimise the disruption to your travel plans.

Do I need National Recovery?

Your car is as likely to fail to start at home as it is to breakdown on the road, especially on cold, wet and icy winter mornings. This is because the likelihood of experiencing car battery problems or other difficulties increases when it has been sitting in the driveway all night. This problem only gets worse as your car gets older and racks up more miles.

Home Start (also called at-home) cover means, should you break down at home, or within a specified distance of your home (distance cap varies by policy), your provider will send an engineer to attempt to kick start your vehicle. If it is not possible to restart your car, most Home Start policies will include a tow service to a garage local to your address.

You can choose to add Home Start as an optional extra to most basic policies, as many Roadside Assistance or National Recovery policies won’t cover breakdowns within a certain distance of your home as standard.

Do I need Home Start?

If you’re stranded with a broken-down car far from your destination, Onward Travel cover will help you to continue on your journey. Each policy differs, but there are some key similarities between providers.

Typically, if your car needs repairing at a garage and you still need to complete your journey, an alternative means of travel or transportation will be made available, either through a hire car or by covering the costs of public transport. Some policies will also cover overnight accommodation costs, up to a certain amount.

Do I need Onward Travel?

This is the only form of breakdown cover tailored to European travel. Whether you travel to the continent regularly for business or you’re simply there on holiday, you’ll need breakdown cover to get you back up and running in case of a breakdown or emergency.

European cover is flexible, and you can typically tweak it to match your circumstances. If you travel infrequently, say once or twice a year, a single trip policy may be suitable. If, however, you regularly go to Europe, you might consider taking out an annual policy.

European policies will often include hotel accommodation or a hire car provision, which is crucial when breakdowns occur away from, or en route to, your destination. Some breakdown providers can also help with any language barriers by giving you access to an English-speaking helpline and, if needed, may help you and your vehicle get back to the UK if you are experiencing problems.

Do I need European Recovery?

>> MORE: Do I need breakdown cover?

Cover for yourself or your vehicle?

In addition to the above levels of breakdown cover, you can also choose between personal and vehicle breakdown cover.

As the names suggest, personal breakdown cover will cover the individual, whatever car they are in, while vehicle breakdown cover will only cover one specific vehicle. Most providers will also allow you to get cover for multiple people or vehicles under one policy.

>> MORE: Guide to personal and vehicle breakdown cover

Breakdown cover optional extras

With most providers you will be able to supplement your breakdown cover with some additional policies. Each provider may call them by slightly different names, but some common optional extras include:

Key replacement

If your keys are stolen, damaged or simply lost, this cover can help you to replace them. Details will vary between providers, but some may offer you the use of a hire car while you wait for the issue to be fixed. Some car insurance policies also offer this cover as an optional extra.

Tyre replacement

Tyre damage may not always be covered under a standard breakdown cover policy, but this extra cover can help with the repair or replacement of a tyre should you get a puncture or a flat.

Misfuel cover

This will cover you if you mistakenly fill up your car with the wrong fuel. It can cover the costs of towing, draining the tank, and other work needed to get you back on the road. Some car insurance policies offer this as an optional add-on too.

Battery replacement

If your battery goes flat or has a fault, this policy covers the costs of fitting a new battery to your car. Terms and exclusions will vary between providers.

Parts and labour

This policy can help to cover the cost of replacement parts and any garage work that is not covered under most standard breakdown policies. However, there will usually be a cap on how much you can claim at one time.

What to remember when choosing a breakdown policy

With such a range of breakdown policy bundles available, each containing a different combination of cover options, it’s important to work out which cover is necessary, and which cover you may not require. Evaluate your needs carefully, while also factoring in both the short term and long-term financial implications of each policy.

About the Author

Rhiannon has been writing about personal finance for over three years, specialising in energy, motoring, credit cards and lending. After graduating from the University of Cambridge with a degree in…

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Car breakdown cover

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

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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.

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 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 . Specific eligibility criteria and fees apply.

Please see the  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.
• Doesn't cover the cost of replacement keys.
• 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, national recovery, onward travel.

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 will 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.

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.
• 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.

Reward Black and Black account

UK & European car breakdown cover, including Roadside Assistance, At Home, National Recovery and Onward Travel.

• 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.

• Platinum Account Insurance Product Information Documents (PDF, 174 KB)
• Black Benefit Terms (PDF, 476 KB)
• Black Account Insurance Product Information Documents (PDF, 564 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?

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).

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.

Switch to NatWest

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your new account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Current Account Switch Service work?

Something else we can help you with?

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• AA Breakdown Cover

Packaged Bank Account AA Breakdown Family Cover

Different levels of AA Breakdown cover for Packaged Bank Accounts customers.

About AA Breakdown Family Cover as part of Packaged Bank Accounts

AA Breakdown Family Cover is just one of the insurance benefits that come with a  Packaged Bank Account  with us. If you have a  Select ,  Silver ,  Gold ,  Platinum , or  Premier  Account with us, subject to eligibility you will have a certain level of Breakdown Cover available to you and eligible family members (different accounts have different levels; see below for details).

If you've broken down

Simply call the number of your account:

• Select Account:  0800 328 8700
• Silver Account:  0800 316 0096
• Gold Account:  0800 107 0011
• Platinum Account:  0800 783 0543
• Premier Account:  0800 032 0371

For account holders, you will be asked for your membership number. This is your sort code and account number. You will need to show your Visa debit card when your AA patrol arrives.

Family members will need to provide the account holder's full name, address and postcode. They will need to show a form of identification when the AA patrol arrives.

What levels of Breakdown Family Cover are available?

Breakdown Family Cover comes with certain services and levels. These may include:

• Roadside Assistance: At the roadside if a vehicle you or your eligible family members are travelling in has broken down. If the vehicle can’t be fixed at the roadside, you or your eligible family member will be taken to the AA’s choice of relevant local repairer or local destination of choice, provided it is no further.
• At Home: If you or your eligible family member’s vehicle does not start within a quarter of a mile of your home address.
• National Recovery: If the vehicle cannot be fixed at the roadside, the AA will provide recovery for the covered person and up to seven passengers to any single location of your choice in the UK.
• Onward Travel: If a repair on the vehicle isn’t possible, you or your eligible family members will get a replacement hire car for up to 72 hours, overnight accommodation, or reasonable onward travel expenses.

Breakdown Family Cover inclusions by account

Tip: use the scroll bar below to slide between the different accounts..

• Family Cover
• Roadside Assistance
• Available to new customers
• National Recovery

Select Account

• Unavailable to new customers

Gold Account

Premier account.

• Onward Travel

Emergencies and phone numbers you can call expandable section

If you’ve a hearing or speech impairment

You can contact the AA via:

• AA SMS service:  07900 444 999

If you want any other help or information

Feel free to call us if you have any questions about your account.

• Select Account: 0345 716 1116
• Silver Account: 0345 603 1839
• Gold Account: 0345 850 5056
• Platinum Account: 0345 850 5300
• Premier Account: 0345 604 0440

Lines are open 24/7.  Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

Policy documents expandable section

• Select Account Welcome Pack opens in a new tab (pdf, 412.1 KB)
• Silver Account Welcome Pack opens in a new tab (pdf, 2.1 MB)
• Gold Account Welcome Pack opens in a new tab (pdf, 1.3 MB)
• Platinum Account Welcome Pack opens in a new tab (pdf, 2.6 MB)
• Premier Account Welcome Pack opens in a new tab (pdf, 1.4 MB)

Packaged Bank Account benefits

Explore the other benefits of a Packaged Bank Account. Our Silver & Platinum Accounts include Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Travel insurance

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Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.

> Home / Breakdown Cover / The AA

The AA Breakdown Cover Review

The AA is one of the UK’s most recognised breakdown cover providers.

Based on over 28,000 reviews.

The AA has been helping drivers and other road users repair their vehicles since 1905. In that time, it’s become an institution within the country. With many other breakdown cover companies in the UK offering a similar service, does the AA still reign supreme? 

This guide reviews the services offered by the AA to see how it holds up and if it is still the best UK breakdown cover provider of choice. 

What do you get with the AA?

When you get a membership with the AA, you’ll receive many features, depending on your membership level. 

For the basic membership, you’ll get 24/7 cover for breakdowns that happen over a ¼ mile from your home. You’ll also be able to get unlimited call-outs, and they have a dedicated accident service called accident assist. 

In addition to this standard level of service, you’ll also be able to add extra features, choosing the ones that best suit your needs and circumstances. You can add things like European breakdown cover and key or tyre replacement.

What don't you get with the AA?

There are a few exceptions when it comes to AA breakdown cover. It’s good to be aware of the situations in which your cover isn’t eligible before becoming an AA member. 

Despite having accident assistance, you won’t be covered for any roadside assistance if your breakdown involves the emergency services, such as the police or ambulance. You also won’t be covered for any routine maintenance repairs. 

Finally, if you need regular call-outs for the same fault, the AA will not cover this. So, if you constantly have issues with your battery that requires roadside assistance, it’s best to get the issue fully repaired to stop you from needing assistance. 

How much does The AA breakdown cover cost?

The cost of The AA cover will vary depending on the breakdown cover you choose. 

Like other breakdown services, the cover you get is broken into tiers known as levels. The basic level is the cheapest but will lack additional benefits and protection that could be useful. As you increase through the levels, the greater the cost. 

It’s also possible to add extra features called add-ons to your cover. These can include things like European breakdown cover, key replacement and more. Each add-on will be individually priced and added to your policies monthly or annual cost. 

The AA’s basic level cover, which includes roadside assistance, can cost £79 a year for personal cover. Its highest level cover, which includes roadside assistance, at-home servicing, national recovery, and onward travel, can cost £199. 

This price range makes the AA one of the more expensive breakdown services. When comparing its top-level service, it’s over £20 more than RAC per year. 

However, the AA could be the best option if you’re looking for basic cover. Many other breakdown providers include at-home cover in their standard packages, increasing the costs. Other providers can charge over £100 a year for their basic level cover, so if you’re happy to have a stripped-back version of breakdown cover that includes just the essentials, then the AA may be the best choice for you. 

How long should you wait for The AA roadside recovery?

The AA can be considered one of, if not the fastest, breakdown recovery service. This means that when you use the AA, you usually won’t be waiting for long to have your vehicle seen to. 

A reported 81.96% of call-outs were completed within the hour, and this statistic dwarfs some of the other most well-known breakdown services. 

In fact, the average wait time for roadside assistance or roadside recovery from the AA is around 4o minutes. This allows members to have their car repaired quickly to continue the rest of their journey. 

Waiting on the side of the road near a broken-down car is dangerous, especially if it’s on the hard shoulder of a motorway. Reducing the time you have to wait on the roadside decreases the risk of accidents. This makes The AA one of the safest breakdown cover providers, as on average, you won’t be waiting that long for assistance.

When waiting for roadside assistance, it’s advised to leave your vehicle and stand a few meters away from it. This can help protect you in case another road user accidentally crashes into the back of your broken-down car. To protect yourself further, it’s also a good idea to carry a high-vis vest so that you can easily be spotted by cars and other vehicles. 

Can you use The AA if you're not a member?

Much like most breakdown cover services, you’ll need to be a member to get the full scope of benefits and services from The AA. However, if you’re not currently an AA member, you can still call them and get roadside assistance whenever you need it. 

When using the AA without being a member, you will be charged for the services you use, and these costs will likely be more than you pay through your membership subscription. 

The AA isn’t the only breakdown company to offer assistance to non-members, as RAC also provides this. However, the benefit of using the AA is that they’re typically one of the fastest providers in getting someone to come out and help you. 

Of course, if you use the AA without being a member, there will be some features and support that you won’t be able to get. For example, you won’t get a hire car to replace your vehicle while it’s in the garage, and you may only be able to use the AA for roadside assistance only. This means you won’t be able to use the AA for at-home services without being a member. 

How often does the AA fix cars on the roadside?

There’s no point getting a mechanic to your broken-down car quickly if they cannot fix it. With the AA, they claim that 8/10 cars were able to be fixed at the roadside. This is more than any other breakdown service in the UK. 

Having your car repaired on the roadside prevents the need to have your car towed away to a garage, which can be time-consuming and cumbersome. However, if you need to have your car towed away to be repaired at a garage, the AA will be able to do this as standard.

They’ll be able to transport your vehicle to the nearest garage within a 20-mile radius. This distance is larger than many other breakdown services, allowing you to get to the best garage available.

If the AA cannot fix your car on-site, you may be eligible to claim a refund or price reduction for the call-out.  

The AA breakdown cover pros and cons

On the whole, the AA is one of the best options regarding breakdown cover in the UK. It has a lot of benefits that make the service stand out when compared to its competitors. However, the AA has a few flaws that let it down and prevent it from being a perfect breakdown cover provider.

• The AA lets you mix and match their services, allowing you to build a policy that is best tailored to you. Doing this means that you're only paying for the cover that you want.
• You get unlimited call-outs with the AA, meaning that you can have peace of mind if you happen to break down multiple times a year.
• Unlike some other providers, you get cover even if the breakdown issue was due to a lack of maintenance. This means that if you forget to change your oil, you won't be punished, and you'll still get cover.
• While providing one of the most comprehensive breakdown cover, the AA is one of the most expensive providers in the UK.
• You won't get cover if you put the wrong fuel in your car, such as filling up with diesel if you drive a petrol car.
• They only cover £5 for any parts used in repairs. This means that you'll have to pay for any parts that cost more than this, which is likely.

The AA Breakdown Cover Review: The Verdict

The AA is one of the oldest and most beloved breakdown cover providers in the UK. The company uses its experience to provide a comprehensive and robust breakdown service that makes it one of the best in the UK. 

Mixing and matching the services you want allows you to build a bespoke policy that best suits you. 

The AA is the fastest regarding roadside assistance and has the highest success rate of getting your vehicle fixed without having to go to the garage. 

However, this quality means it’s one of the most expensive breakdown cover providers available. If its price falls within your budget, then there are not many better options, although if it’s too expensive, there are suitable alternatives that will provide a decent service for a better price. 

All in all, the AA is a great breakdown cover provider and one that you should consider when looking for your own policy. 

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Cover you can count on..

We have 3,000 expert technicians ready to help 24 hours a day, nationwide.

That's why, on average, we get to breakdowns in an hour.

Whatever you need, we've got you covered.

Underwritten by U K Insurance Limited.

Which? Trusted Traders approved breakdown service

Top breakdown cover provider: UK Customer Satisfaction Index (July 2023)

Best breakdown cover provider 2023: YourMoney.com

Why you can count on our breakdown cover .

Cars, motorbikes, EVs, light vans - we've got them all covered

4/5 customers would recommend us to friends and family

What you can get with your breakdown cover .

24/7 roadside assistance.

Our breakdown bread and butter. If you break down over a 1/4 of a mile from home, you'll get expert roadside help or a tow to a local garage.

National recovery

If your vehicle can't be fixed locally, we can take you, your motor, and any passengers to a single destination you choose in the UK.

Cover at home

They say home is where the heart is. It can also be where a technician is (if your vehicle conks out at your home and you need our help).

Onward travel

You know 'the show'? Well, it must go on. So, we can help arrange a hire car, alternative transport, or even accommodation if you need it.

Unlimited callouts

Yep, you read that right. You can call us out as many times as you need. You may be charged if you call us out for a repeat problem within 28 days.

European cover

If you buy standalone European cover without cover in the UK, your car must be under 16 years old. And if you choose European cover with cover in the UK (Euro Plus), your car must be under 25 years old.

Whatever you need, we've got it covered .

Single and multi-vehicle cover, personal cover, family cover, electric vehicle breakdown cover, motorcycle breakdown cover, caravan and trailer cover.

You can find out more about our breakdown cover levels in our policy booklets .

Only the best technicians get the green flag .

Whenever you breakdown, you need a technician that seriously knows their stuff.

So, only the best local technicians get to join our nationwide network.

We have 3,000 technicians ready to help 24/7. They really are the bee's knees. The top bananas. The dog's, well, you know.

They may not all use the same looking vans, but they're all here to do the same thing – to help you as quickly as possible.

How we'll help when you break down .

Let us know what's happened over the phone or by using our handy app .

One of our local specialists will get to you ASAP (or at a time you choose).

They'll arrive and work their magic so you can get back on the move.

Our app is not available for Excess and Fleet policies, or for vehicles registered in the Isle of Man.

You can request a rescue using our app or by giving us a call.

Get the Green Flag app:

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Car breakdown cover

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

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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 Royal Bank 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.

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 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  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.
• Doesn't cover the cost of replacement keys.
• 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, national recovery, onward travel.

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 0456 (Relay UK 18001 0345 609 0456)

Black:  0345 266 8801 (Relay UK 18001 0345 266 8801) Overseas: +44 (0) 2392 668 814

Download the AA app

If you're 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 will 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.

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

If you’re looking for UK or European car breakdown cover, we offer cover built in to our Platinum and Black accounts.

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.
• 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 your full list of account benefits:

Manage your Reward Platinum

Manage your Select Platinum

To apply for a Reward Platinum you must be an existing Royal Bank 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.

• Your privately registered UK vehicle is also covered in Europe.

Are you an existing customer?   Manage your benefits .

To apply for a Reward Black you must be an existing Royal Bank current account customer and meet one of the following criteria: have a minimum £100k sole income or £120k joint income paid into your Royal Bank 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.

• Platinum Account Insurance Product Information Documents (PDF, 251 KB)
• Black Benefit Terms (PDF, 519 KB)
• Black Account Insurance Product Information Documents (PDF, 138 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 Royal Bank of Scotland 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?

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).

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.

Switch to Royal Bank

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Switch Service work?

Something else we can help you with?

Journey to Moscow

   Welcome to Moscow - the capital of Russia, its political, scientific, historical, architectural and business centre, from which power and might of the Russian state developed.

Travel Itinerary For One Week in Moscow: The Best of Moscow!

I just got back from one week in Moscow. And, as you might have already guessed, it was a mind-boggling experience. It was not my first trip to the Russian capital. But I hardly ever got enough time to explore this sprawling city. Visiting places for business rarely leaves enough time for sightseeing. I think that if you’ve got one week in Russia, you can also consider splitting your time between its largest cities (i.e. Saint Petersburg ) to get the most out of your trip. Seven days will let you see the majority of the main sights and go beyond just scratching the surface. In this post, I’m going to share with you my idea of the perfect travel itinerary for one week in Moscow.

Moscow is perhaps both the business and cultural hub of Russia. There is a lot more to see here than just the Kremlin and Saint Basil’s Cathedral. Centuries-old churches with onion-shaped domes dotted around the city are in stark contrast with newly completed impressive skyscrapers of Moscow City dominating the skyline. I spent a lot of time thinking about my Moscow itinerary before I left. And this city lived up to all of my expectations.

Travel Itinerary For One Week in Moscow

Day 1 – red square and the kremlin.

Metro Station: Okhotny Ryad on Red Line.

No trip to Moscow would be complete without seeing its main attraction. The Red Square is just a stone’s throw away from several metro stations. It is home to some of the most impressive architectural masterpieces in the city. The first thing you’ll probably notice after entering it and passing vendors selling weird fur hats is the fairytale-like looking Saint Basil’s Cathedral. It was built to commemorate one of the major victories of Ivan the Terrible. I once spent 20 minutes gazing at it, trying to find the perfect angle to snap it. It was easier said than done because of the hordes of locals and tourists.

As you continue strolling around Red Square, there’s no way you can miss Gum. It was widely known as the main department store during the Soviet Era. Now this large (yet historic) shopping mall is filled with expensive boutiques, pricey eateries, etc. During my trip to Moscow, I was on a tight budget. So I only took a retro-style stroll in Gum to get a rare glimpse of a place where Soviet leaders used to grocery shop and buy their stuff. In case you want some modern shopping experience, head to the Okhotny Ryad Shopping Center with stores like New Yorker, Zara, and Adidas.

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To continue this Moscow itinerary, next you may want to go inside the Kremlin walls. This is the center of Russian political power and the president’s official residence. If you’re planning to pay Kremlin a visit do your best to visit Ivan the Great Bell Tower as well. Go there as early as possible to avoid crowds and get an incredible bird’s-eye view. There are a couple of museums that are available during designated visiting hours. Make sure to book your ticket online and avoid lines.

Day 2 – Cathedral of Christ the Saviour, the Tretyakov Gallery, and the Arbat Street

Metro Station: Kropotkinskaya on Red Line

As soon as you start creating a Moscow itinerary for your second day, you’ll discover that there are plenty of metro stations that are much closer to certain sites. Depending on your route, take a closer look at the metro map to pick the closest.

The white marble walls of Christ the Saviour Cathedral are awe-inspiring. As you approach this tallest Orthodox Christian church, you may notice the bronze sculptures, magnificent arches, and cupolas that were created to commemorate Russia’s victory against Napoleon.

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Unfortunately, the current Cathedral is a replica, since original was blown to bits in 1931 by the Soviet government. The new cathedral basically follows the original design, but they have added some new elements such as marble high reliefs.

Home to some precious collection of artworks, in Tretyakov Gallery you can find more than 150,000 of works spanning centuries of artistic endeavor. Originally a privately owned gallery, it now has become one of the largest museums in Russia. The Gallery is often considered essential to visit. But I have encountered a lot of locals who have never been there.

Famous for its souvenirs, musicians, and theaters, Arbat street is among the few in Moscow that were turned into pedestrian zones. Arbat street is usually very busy with tourists and locals alike. My local friend once called it the oldest street in Moscow dating back to 1493. It is a kilometer long walking street filled with fancy gift shops, small cozy restaurants, lots of cute cafes, and street artists. It is closed to any vehicular traffic, so you can easily stroll it with kids.

Day 3 – Moscow River Boat Ride, Poklonnaya Hill Victory Park, the Moscow City

Metro Station: Kievskaya and Park Pobedy on Dark Blue Line / Vystavochnaya on Light Blue Line

Voyaging along the Moscow River is definitely one of the best ways to catch a glimpse of the city and see the attractions from a bit different perspective. Depending on your Moscow itinerary, travel budget and the time of the year, there are various types of boats available. In the summer there is no shortage of boats, and you’ll be spoiled for choice.

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If you find yourself in Moscow during the winter months, I’d recommend going with Radisson boat cruise. These are often more expensive (yet comfy). They offer refreshments like tea, coffee, hot chocolate, and, of course, alcoholic drinks. Prices may vary but mostly depend on your food and drink selection. Find their main pier near the opulent Ukraine hotel . The hotel is one of the “Seven Sisters”, so if you’re into the charm of Stalinist architecture don’t miss a chance to stay there.

The area near Poklonnaya Hill has the closest relation to the country’s recent past. The memorial complex was completed in the mid-1990s to commemorate the Victory and WW2 casualties. Also known as the Great Patriotic War Museum, activities here include indoor attractions while the grounds around host an open-air museum with old tanks and other vehicles used on the battlefield.

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The hallmark of the memorial complex and the first thing you see as you exit metro is the statue of Nike mounted to its column. This is a very impressive Obelisk with a statue of Saint George slaying the dragon at its base.

Maybe not as impressive as Shanghai’s Oriental Pearl Tower , the skyscrapers of the Moscow City (otherwise known as Moscow International Business Center) are so drastically different from dull Soviet architecture. With 239 meters and 60 floors, the Empire Tower is the seventh highest building in the business district.

The observation deck occupies 56 floor from where you have some panoramic views of the city. I loved the view in the direction of Moscow State University and Luzhniki stadium as well to the other side with residential quarters. The entrance fee is pricey, but if you’re want to get a bird’s eye view, the skyscraper is one of the best places for doing just that.

Day 4 – VDNKh, Worker and Collective Farm Woman Monument, The Ostankino TV Tower

Metro Station: VDNKh on Orange Line

VDNKh is one of my favorite attractions in Moscow. The weird abbreviation actually stands for Russian vystavka dostizheniy narodnogo khozyaystva (Exhibition of Achievements of the National Economy). With more than 200 buildings and 30 pavilions on the grounds, VDNKh serves as an open-air museum. You can easily spend a full day here since the park occupies a very large area.

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First, there are pavilions that used to showcase different cultures the USSR was made of. Additionally, there is a number of shopping pavilions, as well as Moskvarium (an Oceanarium) that features a variety of marine species. VDNKh is a popular venue for events and fairs. There is always something going on, so I’d recommend checking their website if you want to see some particular exhibition.

A stone’s throw away from VDNKh there is a very distinctive 25-meters high monument. Originally built in 1937 for the world fair in Paris, the hulking figures of men and women holding a hammer and a sickle represent the Soviet idea of united workers and farmers. It doesn’t take much time to see the monument, but visiting it gives some idea of the Soviet Union’s grandiose aspirations.

I have a thing for tall buildings. So to continue my travel itinerary for one week in Moscow I decided to climb the fourth highest TV tower in the world. This iconic 540m tower is a fixture of the skyline. You can see it virtually from everywhere in Moscow, and this is where you can get the best panoramic views (yep, even better than Empire skyscraper).

Parts of the floor are made of tempered glass, so it can be quite scary to exit the elevator. But trust me, as you start observing buildings and cars below, you won’t want to leave. There is only a limited number of tickets per day, so you may want to book online. Insider tip: the first tour is cheaper, you can save up to $10 if go there early.

Day 5 – A Tour To Moscow Manor Houses

Metro Station: Kolomenskoye, Tsaritsyno on Dark Green Line / Kuskovo on Purple Line

I love visiting the manor houses and palaces in Moscow. These opulent buildings were generally built to house Russian aristocratic families and monarchs. Houses tend to be rather grand affairs with impressive architecture. And, depending on the whims of the owners, some form of a landscaped garden.

During the early part of the 20th century though, many of Russia’s aristocratic families (including the family of the last emperor) ended up being killed or moving abroad . Their manor houses were nationalized. Some time later (after the fall of the USSR) these were open to the public. It means that today a great many of Moscow’s finest manor houses and palaces are open for touring.

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There are 20 manor houses scattered throughout the city and more than 25 in the area around. But not all of them easily accessible and exploring them often takes a lot of time. I’d recommend focusing on three most popular estates in Moscow that are some 30-minute metro ride away from Kremlin.

Sandwiched between the Moscow River and the Andropov Avenue, Kolomenskoye is a UNESCO site that became a public park in the 1920’s. Once a former royal estate, now it is one of the most tranquil parks in the city with gorgeous views. The Ascension Church, The White Column, and the grounds are a truly grand place to visit.

You could easily spend a full day here, exploring a traditional Russian village (that is, in fact, a market), picnicking by the river, enjoying the Eastern Orthodox church architecture, hiking the grounds as well as and wandering the park and gardens with wildflower meadows, apple orchards, and birch and maple groves. The estate museum showcases Russian nature at its finest year-round.

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If my travel itinerary for one week in Moscow was a family tree, Tsaritsyno Park would probably be the crazy uncle that no-one talks about. It’s a large park in the south of the city of mind-boggling proportions, unbelievable in so many ways, and yet most travelers have never heard of it.

The palace was supposed to be a summer home for Empress Catherine the Great. But since the construction didn’t meet with her approval the palace was abandoned. Since the early 1990’s the palace, the pond, and the grounds have been undergoing renovations. The entire complex is now looking brighter and more elaborately decorated than at possibly any other time during its history. Like most parks in Moscow, you can visit Tsaritsyno free of charge, but there is a small fee if you want to visit the palace.

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Last, but by no means least on my Moscow itinerary is Kuskovo Park . This is definitely an off-the-beaten-path place. While it is not easily accessible, you will be rewarded with a lack of crowds. This 18th-century summer country house of the Sheremetev family was one of the first summer country estates of the Russian nobility. And when you visit you’ll quickly realize why locals love this park.

Like many other estates, Kuskovo has just been renovated. So there are lovely French formal garden, a grotto, and the Dutch house to explore. Make sure to plan your itinerary well because the estate is some way from a metro station.

Day 6 – Explore the Golden Ring

Creating the Moscow itinerary may keep you busy for days with the seemingly endless amount of things to do. Visiting the so-called Golden Ring is like stepping back in time. Golden Ring is a “theme route” devised by promotion-minded journalist and writer Yuri Bychkov.

Having started in Moscow the route will take you through a number of historical cities. It now includes Suzdal, Vladimir, Kostroma, Yaroslavl and Sergiev Posad. All these awe-inspiring towns have their own smaller kremlins and feature dramatic churches with onion-shaped domes, tranquil residential areas, and other architectural landmarks.

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I only visited two out of eight cities included on the route. It is a no-brainer that Sergiev Posad is the nearest and the easiest city to see on a day trip from Moscow. That being said, you can explore its main attractions in just one day. Located some 70 km north-east of the Russian capital, this tiny and overlooked town is home to Trinity Lavra of St. Sergius, UNESCO Site.

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Sergiev Posad is often described as being at the heart of Russian spiritual life. So it is uncommon to see the crowds of Russian pilgrims showing a deep reverence for their religion. If you’re traveling independently and using public transport, you can reach Sergiev Posad by bus (departs from VDNKh) or by suburban commuter train from Yaroslavskaya Railway Station (Bahnhof). It takes about one and a half hours to reach the town.

Trinity Lavra of St. Sergius is a great place to get a glimpse of filling and warming Russian lunch, specifically at the “ Gostevaya Izba ” restaurant. Try the duck breast, hearty potato and vegetables, and the awesome Napoleon cake.

Day 7 – Gorky Park, Izmailovo Kremlin, Patriarch’s Ponds

Metro Station: Park Kultury or Oktyabrskaya on Circle Line / Partizanskaya on Dark Blue Line / Pushkinskaya on Dark Green Line

Gorky Park is in the heart of Moscow. It offers many different types of outdoor activities, such as dancing, cycling, skateboarding, walking, jogging, and anything else you can do in a park. Named after Maxim Gorky, this sprawling and lovely park is where locals go on a picnic, relax and enjoy free yoga classes. It’s a popular place to bike around, and there is a Muzeon Art Park not far from here. A dynamic location with a younger vibe. There is also a pier, so you can take a cruise along the river too.

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The Kremlin in Izmailovo is by no means like the one you can find near the Red Square. Originally built for decorative purposes, it now features the Vernissage flea market and a number of frequent fairs, exhibitions, and conferences. Every weekend, there’s a giant flea market in Izmailovo, where dozens of stalls sell Soviet propaganda crap, Russian nesting dolls, vinyl records, jewelry and just about any object you can imagine. Go early in the morning if you want to beat the crowds.

All the Bulgakov’s fans should pay a visit to Patriarch’s Ponds (yup, that is plural). With a lovely small city park and the only one (!) pond in the middle, the location is where the opening scene of Bulgakov’s novel Master and Margarita was set. The novel is centered around a visit by Devil to the atheistic Soviet Union is considered by many critics to be one of the best novels of the 20th century. I spent great two hours strolling the nearby streets and having lunch in the hipster cafe.

Conclusion and Recommendations

To conclude, Moscow is a safe city to visit. I have never had a problem with getting around and most locals are really friendly once they know you’re a foreigner. Moscow has undergone some serious reconstruction over the last few years. So you can expect some places to be completely different. I hope my one week Moscow itinerary was helpful! If you have less time, say 4 days or 5 days, I would cut out day 6 and day 7. You could save the Golden Ring for a separate trip entirely as there’s lots to see!

What are your thoughts on this one week Moscow itinerary? Are you excited about your first time in the city? Let me know in the comments below!

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24 comments.

Ann Snook-Moreau

Moscow looks so beautiful and historic! Thanks for including public transit information for those of us who don’t like to rent cars.

MindTheTravel

Yup, that is me 🙂 Rarely rent + stick to the metro = Full wallet!

Mariella Blago

Looks like you had loads of fun! Well done. Also great value post for travel lovers.

Thanks, Mariella!

I have always wanted to go to Russia, especially Moscow. These sights look absolutely beautiful to see and there is so much history there!

Agree! Moscow is a thousand-year-old city and there is definitely something for everyone.

Tara Pittman

Those are amazing buildings. Looks like a place that would be amazing to visit.

Adriana Lopez

Never been to Moscow or Russia but my family has. Many great spots and a lot of culture. Your itinerary sounds fantastic and covers a lot despite it is only a short period of time.

What was their favourite thing about Russia?

Gladys Parker

I know very little about Moscow or Russia for the\at matter. I do know I would have to see the Red Square and all of its exquisite architectural masterpieces. Also the CATHEDRAL OF CHRIST THE SAVIOUR. Thanks for shedding some light on visiting Moscow.

Thanks for swinging by! The Red Square is a great starting point, but there way too many places and things to discover aside from it!

Ruthy @ Percolate Kitchen

You are making me so jealous!! I’ve always wanted to see Russia.

Moscow is in my bucket list, I don’t know when I can visit there, your post is really useful. As a culture rich place we need to spend at least week.

DANA GUTKOWSKI

Looks like you had a great trip! Thanks for all the great info! I’ve never been in to Russia, but this post makes me wanna go now!

Wow this is amazing! Moscow is on my bucket list – such an amazing place to visit I can imagine! I can’t wait to go there one day!

The building on the second picture looks familiar. I keep seeing that on TV.

Reesa Lewandowski

What beautiful moments! I always wish I had the personality to travel more like this!

Perfect itinerary for spending a week in Moscow! So many places to visit and it looks like you had a wonderful time. I would love to climb that tower. The views I am sure must have been amazing!

I was lucky enough to see the skyline of Moscow from this TV Tower and it is definitely mind-blowing.

Chelsea Pearl

Moscow is definitely up there on my travel bucket list. So much history and iconic architecture!

Thumbs up! 🙂

Blair Villanueva

OMG I dream to visit Moscow someday! Hope the visa processing would be okay (and become more affordable) so I could pursue my dream trip!

Yup, visa processing is the major downside! Agree! Time and the money consuming process…

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