AA Membership and Breakdown Repair Cover

Summaries of UK Policies and Arrangement and Administration Contract

This document provides you with a summary of UK Personal and Vehicle Breakdown Cover, AA Breakdown Repair Cover, and the arranging and administration of these policies.

See the summaries for Channel Isles and the Isle of Man.

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AA Membership Policy Summary

UK Personal & Vehicle Breakdown Cover

This policy summary provides you with basic details of your AA Membership. AA Membership provides a number of levels of Breakdown Assistance which are outlined in the summary below – please check the Membership letter provided to you or with your sales adviser for details of the level of cover you hold or are intending to purchase.

Please note this is not a statement of the full Terms and Conditions, which can be found in the AA Membership Terms and Conditions UK Personal & Vehicle Breakdown Cover and Arrangement & Administration Contract ('Terms and Conditions') booklet.

1. Who is AA Membership provided by?

Roadside, Relay and Home start are provided by The Automobile Association Limited (AAL).

Stay Mobile is provided by Acromas Insurance Company Limited (AICL).

2. Who is covered by AA Membership?

Personal Membership is available as either:

Single Membership – covers you as driver or passenger in any vehicle

Joint Membership – covers you and one other person living at the same address as driver or passenger

Family Membership – covers you and up to three other people living at the same address as driver or passenger.

Vehicle Membership – covers your vehicle no matter who is driving

3. What are the main features/benefits of AA Membership?

Service Benefits
Roadside Assistance
  • Assistance at the roadside if you are broken down more than ¼ mile from home.
  • Tow to a local garage for you, your vehicle and up to 7 passengers if the AA is unable to fix your vehicle at the roadside.
Home Start
  • Provides the benefits outlined under Roadside Assistance, if you break down at or within ¼ mile from home.
Relay
  • Recovery to any single UK destination of your choice if the AA is unable to fix your car at the roadside or arrange a prompt local repair.
Stay Mobile
  • Choice of onward travel options if the AA is unable to fix your car at the roadside or arrange a prompt local repair.
  • Options include replacement car for up to 72 hours (a collection and delivery service may be available from the car suppliers), public transport costs or overnight accommodation.

4. Are there any significant exclusions or limitations to AA Membership?

Full details of the restrictions which apply to AA Membership can be found within the Terms and Conditions booklet, however the key restrictions are:

Where cover is available:

Service is only available within the UK. This does not include the Channel Islands and Isle of Man where separate cover is required.

Vehicle specifications:

Service is only available to Members travelling in a car, van, minibus or motorcycle which complies with the stated weight and width restrictions.

General Terms and Conditions:

  • Assistance is not available following a breakdown or accident attended by the police or other emergency service, until the vehicle's removal is authorised. If the police insist on recovery by a third party, the cost must be met by you.
  • No recovery (including a local tow) is available following an accident;
  • Transport of any animal is discretionary, and horses and livestock will not be recovered;
  • Routine maintenance, running repairs, the cost of spare parts, fuel, oil, keys, specialist lifting equipment, garage or other labour required to repair your vehicle are excluded, as is the provision of service on private property without the relevant permission;
  • Service is discretionary where it is requested to deal with the same or a similar fault or cause of breakdown to that attended in regard to the same vehicle within the preceding 28 days;
  • The Member (or, in the case of Vehicle Based Membership, a person) must be with the vehicle at the times of breakdown and assistance. A valid Membership card and some other form of identification must be produced. Service will be refused and may be cancelled if anyone behaves in an abusive or threatening manner, or if the AA is owed money.

Replacement vehicle:

Any car hire that may be arranged for a Member will be subject to the hirer's Terms and Conditions.

Service control:

Please note that further premiums may be requested if the maximum number of call-outs is exceeded.

Additional restrictions for Vehicle Membership

Service is only available to vehicles which are registered with the AA at the time assistance is requested; Where only Roadside Assistance is held, the vehicle must be no more than 10 years old at the date of registration with the AA.

5. How long is Membership valid for?

The duration of your membership is 12 months, unless you have Continuous Membership in which case cover will run until the Member or the AA exercises their right to cancel.

6. What if I want to cancel AA Membership?

You have the right to cancel your Membership within a 14 day 'cooling-off period', commencing either from the agreement of the contract, or the receipt of your membership documents, whichever happens later. The following refund policy will apply for Members cancelling within the cooling off period: If you joined already requiring assistance you will be entitled to a full refund minus the AA's charges for assistance provided. If you were not in a breakdown situation when you joined you will receive a full refund less the cancellation administration charge that Automobile Association Insurance Services Limited makes.

For Members paying annually, subject to any other statutory rights you may have, there will be no refunds following the cooling-off period.

Continuous Members paying monthly can cancel their Membership at any time by giving a minimum of 30 days' notice. Full details of your cancellation rights can be found on page 14 of the Terms and Conditions booklet.

7. What if I need to make a call out?

If you require breakdown assistance in the UK, please call 0800 887 766. You will need to provide your Membership number, and details of your circumstances. Please be prepared to show your Membership card.

8. What if I need to make a complaint?

If you wish to register a complaint, please make contact:

By phone: 0845 607 6727

In writing: Member Care, AA, Lambert House, Stockport Road, Cheadle, Cheshire SK8 2DY

By email: CustomerSupport@theAA.com

If your complaint is about cover underwritten by AICL and it is not settled, you may be entitled to refer it to the Financial Ombudsman Service.

9. Is AA Membership covered by the Financial Services Compensation Scheme (FSCS)?

AICL, only, is covered by the FSCS. If any of the cover you have purchased is underwritten by AICL, you may be entitled to compensation from the scheme if AICL cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS at www.fscs.org.uk or telephone 020 7892 7300.

Last updated: July 2011, valid for Breakdown Repair Cover policies purchased or renewed on or after 13 July 2011.

Policy summary

For AA Membership bought or renewed on or after:

15 July 2011

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Existing customers

For AA Membership bought or renewed on or between 1 January 2010 and 14 July 2011:

1 January 2010

Open a pdf document Open the 1 January 2010 policy document

Additional information

Additional information about your AA Membership Breakdown Cover Policy and AA Breakdown Repair Cover (and the arranging and administration of that cover):

  • Demands and Needs Statement:

    You have chosen to take out AA Membership Breakdown Cover, and, where applicable, AA Breakdown Repair Cover, to meet your needs. Your full Terms and Conditions will be sent to you shortly.

  • Company Details of the Provider(s) of AA Membership Breakdown Cover and, where applicable, AA Breakdown Repair Cover:

    The Automobile Association Limited is incorporated with limited liability in Jersey number 73356. Registered office: 22 Grenville Street, St Helier, Jersey JE4 8PX, Channel Islands. It is an insurer of breakdown assistance services cover that is exempt from authorisation under the Financial Services and Markets Act 2000. Head Office (Registered Branch Office): Fanum House, Basingstoke, Hampshire RG21 4EA. Branch Registered in England and Wales number BR004875.

    Acromas Insurance Company Limited, 57–63 Line Wall Road, Gibraltar. Registered Number 88716 (Gibraltar). UK branch address: Acromas Insurance Company Limited, Enbrook Park, Folkestone, Kent, CT20 3SE. Acromas Insurance Company Limited is authorised and regulated by the Commissioner of Insurance, Financial Services Commission, Gibraltar, and regulated by the Financial Services Authority, United Kingdom. Acromas Insurance Company Limited is a member of the Association of British Insurers.

  • The contracts you are or will be entering:

    In addition to contracting with the insurers who provide your AA Membership Breakdown Cover and, where applicable, AA Breakdown Repair Cover, you will enter into a separate contract with Automobile Association Insurance Services Limited ('AAIS') under which AAIS agrees to arrange and administer the relevant cover. See the summary of the Arrangement and Administration Contract: AA Membership and AA Breakdown Repair Cover, below. The premium(s) due to the insurer(s) and the fee(s) for AAIS's services will be advised to you in writing, and together these amounts make up the total cost payable with regard to your AA Membership and, where applicable, AA Breakdown Repair Cover.

Summary of the Arrangement and Administration Contract

AA Membership and AA Breakdown Repair Cover

Set out below is information about the services provided to you by Automobile Association Insurance Services Limited ('AAIS').Included is a summary of your contract with AAIS regarding the arrangement and administration of your AA Membership and, where applicable, AA Breakdown Repair Cover.

  1. Who regulates AAIS?

    AAIS (Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA), is authorised and regulated by the Financial Services Authority (FSA). The FSA is the independent watchdog that regulates financial services. AAIS's permitted business is that of an insurance intermediary dealing in and arranging contracts of general insurance. You can check this information on the FSA's register by visiting their website www.fsa.gov.uk/register or by contacting 0845 606 1234.

  2. Which companies do AAIS deal with?

    AAIS deals with the Automobile Association Limited which underwrites Roadside Assistance, Home Start and Relay, and Acromas Insurance Company Limited which underwrites Stay Mobile and Breakdown Repair Cover. AAIS acts as an agent of these underwriters, including when receiving your premium and when making a refund to you.

  3. What service does AAIS provide?

    AAIS will provide the following services to you:

    • providing information about cover: You will be provided with information on the cover available from the insurer(s) and be asked some questions to help narrow down the level and type of cover of interest to you. You will not receive advice or any recommendation on which level or type of cover to buy and you will need to choose which level and type of cover you require.
    • arranging cover;
    • administering cover;
    • making, and providing information on, changes to cover;

    AAIS will, for compliance purposes, keep a copy of the policy that was issued to you. Communication by AAIS concerning any policy issued will be in English.

  4. What will you have to pay for services provided by AAIS?

    AAIS will always give you written information of its fees for the services it provides under this contract. These fees will be advised in the contract or separately in writing and will be identified separately from the cover premium.

    Repayment of Fees: subject to any statutory rights you may have as a consumer, AAIS will only refund its fees:

    1. in the circumstances set out in the following AA Membership Breakdown Cover Policy General Terms and Conditions:
      1. where premium is refunded under clause 3f, page 14
      2. where you cancel under clause 8a), page 15; and
      3. where you cancel under clause 8b, page 15 in which case AAIS will refund its fees subject to a cancellation charge of £14; and
    2. where it has arranged a refund of premium following cancellation in the cooling off period of the AA Breakdown Repair Cover Policy.

    AAIS will also tell you about any other charges relating to your cover.

  5. Changes to Terms and Conditions

    AAIS has certain rights to change its terms and conditions, and these rights are detailed in the Terms and Conditions.

  6. Matters outside AAIS's reasonable control

    AAIS shall not be liable for failures outside its reasonable control, and examples of circumstances outside of its control are detailed in the Terms and Conditions.

  7. Exclusion of liability for loss of profit etc

    To the extent permitted by law, AAIS has excluded its liability, for example for consequential and business losses. These exclusions are detailed in the Terms and Conditions.

  8. Third parties Terms and Conditions, and benefits, of any contract with AAIS are stated not to be enforceable by anyone else other than the Member.
  9. What to do if you have a complaint?

    If you wish to register a complaint, please contact us:

    By phone: 0845 607 6727

    In writing: Member Care, AA, Lambert House, Stockport Road, Cheadle, Cheshire SK8 2DY

    By email: CustomerSupport@theAA.com

    If you cannot settle your complaint with AAIS, you may be entitled to refer it to the Financial Ombudsman Service.

  10. The Financial Services Compensation Scheme (FSCS)

    The activities of AAIS in arranging AA Membership and, where applicable, AA Breakdown Repair Cover is covered by the FSCS. You may be entitled to compensation from the scheme if AAIS cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about compensation scheme arrangements is available from FSCS at www.fscs.org.uk or telephone 020 7892 7300.

  11. Use of headings

    The headings used above are for convenience only and shall not affect interpretation.