Help with Car Insurance
Assistance with getting a quote online
You and other drivers
Here is some information to help you with entering details about drivers named under the policy.
Full-time occupation (or part-time job)
For full-time occupation enter the closest description of your job, eg electrician or doctor. We will then compare your entry with our database. You may be asked to choose the closest match. Take care when spelling as this may prevent us from matching your occupation.
If you are not working full-time, or only work part-time, please enter one of the following descriptions for full-time occupation: retired, unemployed, student, independent means, housewife or househusband.
If you work part-time, please enter the closest description of your job in the part-time job box.
If you have any difficulties or you have a particularly unusual occupation, please feel free to call us on 0800 197 7182.
Type of business
Please enter the closest description of the company you work for. For example, if you're an accountant for a breakdown cover firm, enter 'breakdown cover'. Avoid using special characters and numbers as we may not be able to match those to our database listings. Where we find more than one match for the type of business, you may be asked to choose the closest match.
Registered keeper
The registered keeper is the person whose name appears in the log book for the vehicle. The owner and registered keeper may be different people. If you use a car that is owned by someone else you would be the registered keeper. Or you may own a car that you allow your child to use and therefore the registered keeper would be your child.
Date of purchase
Unfortunately we cannot offer you cover for a car that has not yet been manufactured. If you're on the waiting list for a car that's being built, you can get a quote to give you an idea of how much your new car will cost to insure – just put in a date within the next 30 days to get a quote. But please note this price may well change by the time you're ready to insure. You can also sign up to our renewal reminder, so we can contact you nearer the time.
Car usage
You should select Social, Domestic and Pleasure if you, and all of the named drivers, only intend to use the vehicle for non-work activities eg:
- visiting friends and family
- shopping
- day trips, and holidays
and to travel to and from a regular place of work.
If you, or any of the named drivers will be using the vehicle to travel to and from various places of work (for example, visiting other offices) you will need to include business cover, so you should select Social, Domestic, Pleasure and Business Use.
If the vehicle is to be used for commercial travel, to provide goods or services or seek orders for goods or services, for example if you are:
- delivering items/carrying goods
- a sales person, agent or representative visiting clients, with the intention of selling goods/services
then you should choose Commercial Travelling.
Claims and convictions
Here's some information to help you with entering details about any drivers' claims and convictions. If any one of the drivers on this policy have had more than three claims and/or more than three convictions in the past five years, call 0800 197 6173.
No-claims discount
Insurers tend to offer a no-claims discount based on a claim-free history. To earn a discount, any previous private motor policies must be in your name. Your no-claims is also earned per vehicle. However, if you buy a second car or earned your discount in a foreign country you may qualify for an introductory discount so please call us on 0800 197 6173.
Discount scales vary for each insurer but a typical scale would be:
| Claim-free years | Discount |
| 1 | 30% |
| 2 | 40% |
| 3 | 50% |
| 4 | 60% |
| 5 | 65% |
Following a fault claim, you'd probably step back two years on your no-claims discount, unless your no-claims discount is protected.
Claims reasons
We've abbreviated some of the claims references:
- TP – third party
- (F) – fault
If you have any queries or you'd like to speak to someone call us on 0800 197 6173.
Approximate cost of claim
Please give us the approximate costs if known. Where you know the cost of the claim, please enter the amount to the nearest pound. Please use numbers only, with no spaces.
Fault claim
You are considered to be at fault where you or your insurance company cannot recover costs following a claim. For example, claims:
- that you caused
- where the other person denies responsibility
- where the other person cannot be traced
- where the other person was not insured
See information on no-claims discount also.
Description of conviction codes
Please tell us about any fines and/or points. You can find this information on your driving licence. If you have more than three convictions, please call us 0800 197 6173.
Vehicle details
Help with entering details about the vehicle you will be driving and any other cars that may affect your cover.
Car value
Please tell us about the market value of the car and remember to include any accessories. We offer a car valuation service for cars up to 10 years old, as part of our Car Buyers' Guide. But remember, to protect your personal information we have set a time limit of 20 minutes per page, so you may have to start your quote again.
Built to UK specification
Most cars imported by main dealers are built to UK specification. We cannot offer quotes online for cars that are not built to UK specification. Please call us on 0800 197 6173, if, for example, the vehicle is one of the following:
- modified
- a kit car
- of non-standard construction
- European standard car
However, if you have a grey import (a car that has not been made for the UK or European market), unfortunately, we cannot offer you cover.
Security devices
If you've had a security device fitted to your car, (not including those which come as standard) please tell us about it. Insurers offer different discounts depending on the type of device fitted, so if you cannot provide exact details of the device, you may not be able to get the related discount for AA car insurance online. Please call us on 0800 197 6173.
If the car has other devices fitted, over and above those which come as standard, please enter details for one only. Here is a list of devices in order of importance relating to discounts:
- tracking device
- combined alarm/immobiliser
- immobiliser
- alarm
- mechanical device, eg crook lock
Year of registration
If your vehicle is over 15 years old, its annual mileage is less than 7,500 miles, its cover is comprehensive and you are aged 25 or over, you may wish to consider an AA Classic Car policy instead. Either call Towergate, Hall & Clarke (our carefully selected provider) on 0800 197 6173 or get a classic car quote online.
Your quote
Help with protecting payments and your no-claims discount.
Protected no-claims discount (PNCD)
If you are offered PNCD as part of your quote, it will normally allow you to have up to two non-recoverable claims in a three- or five-year period without affecting your no-claims discount.
This optional extra can add around 15% to the cost of your premium. Remember, in the event of a claim, your no-claims discount could be reduced next time you renew your policy if your insurer cannot recover their costs from the person responsible.
Monthly instalments
If you choose this option, there will be an initial deposit. The balance will then be payable over 11 monthly instalments. If you're an existing AA instalment account holder, your current payment will be adjusted. For your information, the collection will be made using Originator's Identification Number 649439.
Please note: the AA can only accept instalment payment from the policyholder.
Level of cover
We provide the following as standard features for all levels of cover:
- 24-hour dedicated claimline, available 365 days a year
- cover for emergency treatment fees, arising from an accident covered by the policy
- cover for the use of your car as part of a car sharing arrangement
- no-claims discount – if no claim has been made during the current insurance year, a discount to your renewal premium will be allowed in accordance with the Insurer's No Claim Discount scale
- travelling abroad – full policy cover for up to 90 days in any member country of the European Union, Switzerland, Iceland, Norway, Croatia and Liechtenstein
- Our Claims Assistance Service provides Motor Legal Protection – our experts will examine your claim and, if they feel that you have a valid claim against another driver for uninsured losses, they will work hard to get the claim settled in full (applies to non-fault accidents only). We can help you claim for out-of-pocket expenses, such as your policy excess, travel expenses or loss of earnings
Comprehensive cover
This is the highest level of car insurance cover, which covers you for:
- injuries to other people and damage to property
- accidents caused by your passengers, or any permitted drivers
- the use of a trailer, while attached to your car
- injury to you or your partner
- fire damage and/or theft of your car
- accidental damage to your car
- medical expenses
- loss or damage to personal belongings in your car
- replacement of keys, locks transmitter or entry card
- replacement of child car seats
- windscreen cover
- audio, satellite navigation and communication equipment cover
Third party only (TPO)
Third party cover is the minimum level of car insurance cover required by law and contains no cover for damage to your vehicle. It covers your legal liability for:
- injuries to other people and damage to property
- accidents caused by your passengers, or any permitted drivers
Third party, fire and theft (TPFT)
Third party fire and theft cover provides the same level of cover as third party cover, but protects you against damage to your vehicle from fire, or theft of the vehicle, as long as you're not at fault.
Please refer to the policy summary for each level of cover for information on the amount of cover available for each policy feature.
For full details of our cover please refer to the Car Insurance Policy Booklet.
Extra benefits
Full details of your cover includes will be shown in your policy documents, which can be obtained from:
AA Insurance Services Limited
PO Box 2AA
Newcastle-upon-Tyne
NE99 2AA
You and the insurer are free to choose the law applicable to this contract but in the absence of agreement to the contrary, the law of the country in which you reside at the inception of the contract (or, in the case of a business, the law of the country in which the registered office or principal place of business is situated) will apply.
If you are not resident (or, in the case of a business, the registered office or principal place of business is not situated) in England or Wales, Scotland, Northern Ireland, Channel Islands or the Isle of Man the law which will apply is the law of England and Wales.
Your excesses explained
An excess is an amount that you pay towards the cost of a claim for loss of or damage to your vehicle.
Compulsory = the amount your insurer will ask you to pay. These are pre-set by your insurer.
Voluntary = how much you'd be prepared to pay on top of the compulsory amount. The higher you go, the lower your premium.
If you opt to protect your no-claims discount, additional excesses may apply. Additional excesses are not included in the table of excesses provided with your online quote. These can be found in the insurer's specific terms and conditions. We'll ask you to check these terms before you accept the quote.
Voluntary excess
Most insurers specify a compulsory amount (compulsory excess), but you could reduce your premiums by opting to pay an additional voluntary excess. So, when your claim is settled by your insurer, you would have to pay the combined compulsory and voluntary excess.
Here is an example (illustrative only):
Claim for accident repairs = £1,950
Your compulsory excess = £100
Your voluntary excess = £50
Total amount payable by you= £150
Total amount payable by insurer= £1,800
Please note: the higher the voluntary excess you select, the lower your premium could be.
Our Claims Assistance Service can help you recover these excesses from a third party if the incident can be proven to be their fault.
Your payment
Help with spreading the costs of your insurance and payment methods. Your details will be encrypted and sent to us, so no-one else can see them.
Paying by instalments
If you choose this option, it helps to spread the costs of your insurance. Interest is payable. You may also have the option to cover your payments with payment protection insurance, which may help you in case your situation changes and you're unable to continue with payments.
Payment Protection Insurance (PPI)
See details about protecting your instalment payments.
Bank/building society sort code
Please enter the bank/building society sort code of the debit card account you want to use. This is the six-digit number and is normally in the 99-99-99 format. You can find it on your debit card or your bank statements.
Bank/building society account name
Please enter your bank/building society account name (there should be no more than 18 characters including spaces), as it appears on your card or statement.
Bank/building society account number
Please enter your full bank/building society account number without spaces. If you have opted to pay by monthly instalments, please use a bank account that allows you to set up direct debits.