AA Car Insurance

Car insurance that goes further

Why choose AA Car Insurance?

Free breakdown cover New customers enjoy a year's free AA roadside cover, plus money off AA breakdown cover upgrades.* You also get access to member benefits, which include more than 50% off your next MOT.

Our comprehensive cover has a 5 Star Rating from Defaqto, which means great quality cover. Here are some of the excellent features:

  • Uninsured driver promise
    You won't pay an excess or lose your no-claims discount if your car is hit by an uninsured driver and the accident isn't your fault. More »
  • Named driver no-claims discount
    Drivers named on your policy can earn their own no-claims discount if they take out an AA policy in the future. More »
  • AA members get extra cover
    AA members get higher levels of cover when buying a car insurance policy, eg up to £500 cover for personal belongings in your car. That's double the amount for non-members.
5 Star Rating from Defaqto

For the fifth year running, AA Car Insurance has been awarded a 5 Star Rating from Defaqto.

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* Roadside Breakdown Cover is available to new customers at no extra cost for 12 months. Breakdown Cover will be renewed automatically, unless you ask us not to. See the full Roadside offer terms and conditions.

The underwriter of your car insurance policy will be chosen from our panel of insurers.

Defaqto is an independent, financial research company that specialises in rating, comparing and analysing financial products.

AA Car Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). You can check their register or call the FCA on 0800 111 6768.

Find out what's covered

The cover summary table shows what's available for each level of car insurance cover.
Summary of cover Comprehensive cover Third Party, Fire and Theft Third Party Only
24-hour dedicated claimline, available 365 days a year Included Included Included
Liability to others for injury or damage to property Included Included Included
Uninsured Driver Promise Included Not included Not included
Named drivers can earn no claims discount to use on an AA policy. Included Included Included
Emergency treatment costs Included Included Included
The insured car is covered when used in a car sharing scheme Included Included Included
No claims discount Included Included Included
Travelling abroad Included

Up to 90 days' car insurance cover across EU countries
Included

Up to 90 days' car insurance cover across EU countries
Included

Up to 90 days' car insurance cover across EU countries
Cover for your car when it's in the custody of people who aren't named on your policy Included

Your car is covered in the custody or control of garage staff (for service or repair) or valet parking staff, or when it is being parked by an employee of a hotel, restaurant or car parking service
Included

Your car is covered in the custody or control of garage staff (for service or repair) or valet parking staff, or when it is being parked by an employee of a hotel, restaurant or car parking service

(covers your liability to third parties but excludes accidental damage to your car)
Included

Your car is covered in the custody or control of garage staff (for service or repair) or valet parking staff, or when it is being parked by an employee of a hotel, restaurant or car parking service

(covers your liability to third parties but excludes accidental damage to your car)
Damage caused by fire or theft Included Included Not included
Accidental damage Included Not included Not included
Courtesy car while your car is repaired by an approved repairer Included Not included Not included
Replacement
locks and keys
Included

Up to £1,000
Included

Up to £1,000 if caused by fire or theft
Not included
Replacement
child car seats
Included Included

If damage caused by fire or theft
Not included
Windscreen, window and sunroof repairs without losing your no-claims discount Included Not included Not included
Personal belongings in the insured car Included

Up to £250 (£500 for AA members, except for portable satellite equipment where limit remains £250)
Not included Not included
Damage to trailers Included

Up to £500 on single axle trailers
Not included Not included
Injury to you and / or your partner Included

Up to £5,000 for injury or death (£7,500 for AA members)
Not included Not included
Medical expenses Included

Up to £400 per person (£500 for AA members)
Not included Not included
Overnight accommodation or onward transport Included

Up to £300 per person (£500 max for everyone travelling in the vehicle)
Not included Not included

Better car insurance policy benefits for AA members

If you're an AA member you get improved levels of cover when you insure your car with the AA.

  • Up to £500 personal belongings cover (£250 more than for non-members)
  • Up to £1,000 cover for communication equipment not fitted by the manufacturer (£250 more than for non-members)
  • Up to £7,500 personal accident cover (£2,500 more than for non-members)
  • Up to £500 cover medical expenses cover (£100 more than for non-members)
  • Up to £1,000 cover for audio equipment not fitted by the manufacturer (£250 more than for non-members)

Car insurance policy documents

The Car Insurance Policy Booklet contains full terms and conditions for AA Car Insurance. It includes the Policy Summary, which outlines the main features and limits of the policy.

Policies starting from 11 February 2015 or renewed from 11 March 2015 onwards

Car Insurance Policy Booklet (February 2015)

You may contact us using Text Relay. This information is also available in large print, audio and Braille on request. Please call for details.


Previous policy booklets

Please refer to the following car insurance booklets for policies starting or renewed between the dates shown.

31 August 2014 to 10 February 2015 (renewal date 1 October 2014 to 10 March 2015)

Car Insurance Policy Booklet (August 2014)

25 June 2014 to 30 August 2014 (renewal date 24 July 2014 to 30 September 2014)

Car Insurance Policy Booklet (June 2014)

1 January 2014 to 24 June 2014 (renewal date 1 February 2014 to 23 July 2014)

Car Insurance Policy Booklet (December 2013)


About AA Insurance Services Limited

Please read this PDF summarising the services we offer.

Information about AA Insurance Services Limited

Updated February 2015


Already have an AA Car Insurance policy?

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Information and policy documents for additional extras

Car Hire

Excess Protection

Motor Accident Plan

Motor Legal Assistance

Frequently asked questions

Your common queries about AA Car Insurance

About our car insurance

Who underwrites AA Car Insurance?

We find the best car insurance deal for you by comparing quotes from our hand-picked group of insurers. The insurer who gives you the best value for money on your car insurance will be your underwriter.

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Buying your cover

Can I get car insurance that starts right now?

Yes. When you buy online or over the phone your car insurance can start immediately.

You'll need a credit or debit card to pay either the full premium or an initial deposit if paying by monthly instalments.


If I don't buy straight away, how long is my quote valid for?

You can future date your quote by up to 60 days. The quoted price remains valid as long as your details remain unchanged.


Do AA members get a discount on car insurance?

When you get a quote online, confirm that you are an AA member. You could get a discount when you insure your car with us for the first time, and on subsequent renewals if you remain an AA member.


My car has modifications – will they affect my insurance quote?

If your car has been modified we can give you an online quote for a maximum of two modifications from the following list:

Alloy Wheels  •  Front Spoiler or Air Dam  •  Locking Wheel Nuts  •  Rear Roof Spoiler  •  Rear Spoiler or Aerofoil  •  Bull Bars  •  Dual Control  •  Hand Controls

Modifications will affect the quote price, as they present a higher risk than original components.

If your car has more than two modifications, or the modification isn't listed, please call us on 0800 197 7178 – we may still be able to give you a quote.

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About your payment

Can I spread my payments and pay by monthly instalments?

Yes, we offer the option to pay by monthly instalments on most quotes.

If you do choose to pay by monthly instalments, we'll ask you to make an initial payment by debit or credit card. The balance will then be payable over 11 monthly instalments by direct debit.


How secure is my online payment?

We keep your personal details and your credit or debit card information private and secure when you buy online. We do this by using secure server software that encrypts any information you give us. It takes the characters you enter and converts them into a secret code, which is then securely sent to us.

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Policy documents

How can I access my policy documents online?

Your policy documents are in your My AA account. See the My AA help page for advice on how to access them.

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Using the car

Can I drive abroad with my car insurance?

AA Car Insurance provides the same cover you get in the UK in any EU country for up to 90 days in a year. So as a comprehensive policyholder, you have comprehensive cover when you drive within the EU.

Depending on your insurer, and for an additional premium, you may be able to extend the 90-day period, and be insured in countries outside the EU.

Learn more about AA Car Insurance for driving abroad


Am I covered for towing caravans or trailers?

When towing a caravan or trailer, you are covered for the costs you are liable to pay if you cause damage to property, or injury or death to someone.

Your car insurance also covers a single-axle trailer, worth up to £500 and kept in a safe and roadworthy condition, while attached to your car. For example, if you have comprehensive insurance, your trailer will also be covered on a comprehensive basis, which includes accidental damage, fire and theft.


When do I need to select business use?

Select business use when you use your car to travel to various places in connection with your work, such as offices or factories. Business use is not required when you travel to a single permanent place of work.


If I do voluntary work, do I need to select business use?

When you only commute to and from one permanent place of voluntary work, then select 'Social, Domestic, Pleasure & Commuting' for the use of your car.

If you travel to more than one place of voluntary work, our panel of insurers has agreed that 'Social, Domestic, Pleasure & Commuting' is also sufficient cover and should be selected.

But if you transport goods or people as part of your voluntary work, then please call 0800 197 7178 for a quote.

Please note, we do not charge an administration fee if you call us to update your policy to show you now do voluntary work.

Our panel of insurers operates under the statement below, issued on the Association of British Insurers website.

"The insurer will insure their policyholders to carry out voluntary driving, that is, the use of a vehicle they own in connection with, or for the benefit of, charities, voluntary organisations, clubs or societies, where payment does not exceed the HMRC mileage rates in force at that time. This does not cover use for hire or reward or vehicles owned by, hired to or lent to the voluntary organisation."


Driving another car

Cover to drive another vehicle is usually provided within the standard policy unless it's specifically excluded by the insurer.

You can check this when you get a quote online – the quote page shows a summary of your details with a link to 'Excess details / policy terms'. If you continue to buy the insurance, exclusions will be stated on your certificate of motor insurance.

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The policy excess

What is a policy excess?

An excess is the part of the costs of a claim for loss or damage to your car that you have to pay out of your own pocket. Your insurance will be cheaper if you agree to pay more of these costs yourself. There are two types of policy excess:

Compulsory excess – the insurer will decide how much you'll be asked to pay for each claim before you buy the motor insurance policy. Check that you are comfortable with how much you'll have to pay for each claim before you buy a car insurance policy.

Voluntary excess – the amount you'd be prepared to pay on top of the compulsory amount. The higher you go, the lower your premium.


Can I pay a voluntary excess?

Yes, you can pay a higher voluntary excess for when you make a claim, usually up to £500. Typically, you pay less for your car insurance if you select a higher voluntary excess.

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No claims discount

What is a no claims discount?

A no claims discount is a reward for not making a claim on your motor insurance policy. If you do make a claim, your discount will normally be less at the next renewal if your insurance company cannot get their money back from the person responsible.


Where can I find proof of my no claims discount?

The renewal or cancellation notice from your previous insurer will contain proof of your no claims discount.


Can I protect my no claims discount?

Yes, you can pay an additional premium to protect your no claims discount. Depending on your insurer, you can usually make two 'fault' claims in a three- or five-year period without affecting your no claims discount.


What is the AA Uninsured Driver Promise?

If you make a claim following an accident that is not your fault, and the driver of the other vehicle is not insured, you will not lose your no claims discount or have to pay any excess.

We just ask you to tell us the other vehicle's make, model and valid registration number, so that we can identify the driver of the other vehicle.


Can a named driver earn no claims discount on my policy?

Yes, named drivers over 25 years can earn their own no claims discount to use on an AA policy in the future. See our page about named drivers.

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Security devices

What is a Thatcham security device?

The Motor Insurance Repair Research Centre tests car security products for insurers. It's better known as 'Thatcham' after the Berkshire town where it's based. Most insurers like these products and give you discounts if you get them for your car.


What is a tracking device?

The police can track a stolen car with an electronic signal sent by this bit of kit hidden in the car. Most cars that have this are found after they are stolen. You can pay up to 10% less for your motor insurance if your car has a tracking device.

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Making a claim

How do I make a car insurance claim?

Call our 24-hour claim line 0800 269 622.

Before you call, please see how to make a motor insurance claim.


Is a courtesy car included on my policy?

Yes, a courtesy car is available with comprehensive cover. Following an accident, you will be provided with another car while yours is undergoing repair.

A courtesy car is not available for a total loss claim, where the vehicle is stolen and unrecovered, or for accidents occurring outside the UK.

Where your car is stolen and not recovered, or is a total loss claim, our optional Car Hire cover provides a replacement for an additional premium.


Is windscreen cover included on my policy?

If you have comprehensive cover, then windscreen cover is included. We cover the windscreen, sunroof and the remaining windows. And your no claims discount is not affected by a windscreen claim.

A windscreen replacement is subject to the applicable excess, but there is no excess to pay on a windscreen repair.

You can check your windscreen replacement excess when you get a quote online. On the quote page a summary of your details includes a link to 'Excess details / policy terms'.


How can I get my windscreen repaired?

Call our 24-hour claim line 0800 269 622 and select option 2.

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Changing my cover

What information is needed to advise a change of vehicle

Please call 0800 316 1193 and select option 1 to make any change to your policy.

If you have changed your vehicle, we'll need the same type of details as you provided for the previous model, such as registration number, market value and any modifications.


Can vehicles be added temporarily?

Usually yes – call us on 0800 316 1193 and ask to add a temporary additional vehicle (TAV). We'll need to know all the details of the model.

Allowing a TAV is subject to the current insurer accepting the risk. Test drives are not covered.

You can add a TAV from one day to four weeks, and a cover note will be issued.

We cannot offer insurance where a policy is already in place for the vehicle.

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Optional extras

 

 

Optional extras

Motor Legal Assistance

Avoid being left out-of-pocket following a claim where the other party is clearly to blame.

Get legal assistance to seek recovery of uninsured losses from the party at fault, such as:

  • Car insurance policy excess
  • Alternative transport costs
  • Loss of earnings
  • Compensation for a personal injury

We will provide cover where it is more likely than not your claim will be successful.

You also get:

  • 24/7 legal helpline for advice on legal matters
  • Two hours driving tuition if you need to regain your confidence behind the wheel if you're injured in a car accident
  • Legal letter templates for motoring issues, like making a formal complaint to a garage about poor quality work

More information and policy documents


Excess Protection

Claim back your policy excess on a claim where you're at fault or the other party involved cannot be identified.

You can get your excess back on a claim for:

  • Accidental damage
  • Malicious damage
  • Theft or attempted theft
  • Fire

More information and policy documents


Car Hire

Comprehensive cover provides a courtesy car while your car is repaired. Car Hire cover ensures you have a car to drive if your car is stolen or written off.

  • Receive a hire car for up to 21 days (comprehensive policies)
  • Car delivered by a national car hire network
  • Category A hire car
  • No claim limit
  • Eligible named drivers can drive the hire car

More information and policy documents


Motor Accident Plan

Motor Accident Plan pays up to £20,000 if you, or a named driver on your policy, are injured or die as a result of a car crash.

Motor Accident Plan significantly improves on the personal injury cover included in our comprehensive policy. Compare cover

  • Up to an additional £20,000 on top of any payment provided by your AA car insurance policy, or any other personal accident and life insurance cover
  • Cover up to £2,500 for a wider range of injuries including fractures, burns and facial scarring
  • £30 cash payment for every 24 hours spent in hospital following a car accident

More information and policy documents

 

AA Car Insurance gives you cover for up to 90 days in the EU

Driving abroad

Car insurance cover for driving abroad

As an AA Car Insurance policyholder you can drive anywhere in the EU, and in several other European countries, with the cover you enjoy in the UK, for up to 90 days during the 12 months of your policy.

Countries where you are covered

Your car insurance cover is valid in all European Union countries:

Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.

You are also insured for driving abroad in these non-EU countries:

Iceland, Norway, Switzerland, Croatia and Liechtenstein.

Documents for driving abroad

Are you planning to drive in Europe? Make sure you take the right documents with you in case you have an accident.

You should take your Certificate of Motor Insurance if you travel in the EU. This provides details of your insurance cover that you'll need to provide if you have an accident.

You can get an explanation of how your Certificate of Motor Insurance applies in the countries we mentioned above in our multi-lingual leaflet. You'll find this helpful while driving abroad.

Download our multi-lingual European driving leaflet

You can use your Certificate of Motor Insurance and our leaflet instead of a Green Card when you're driving abroad in the countries listed above. The Green Card (or International Motor Insurance Card) is an internationally recognised document that shows that you have the minimum insurance cover needed by law in the country you are visiting. You do not need a green card for driving in these countries:

Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovak Republic, Slovenia, Spain, Sweden and Switzerland.

Travelling further afield

You'll need to tell us if you’re taking your car to a country that isn’t listed above. You can get a Green Card if your insurer will cover you for that country, but you may have to pay a fee for this. Please call  us on 0344 412 4684.

You may need to prove that you have car insurance, not just at the border but for example after an accident. That's why taking a Green Card or Certificate of Motor Insurance and leaflet with you anyway could be handy while driving abroad in these countries.

Longer trips and business travel abroad

Are you planning to take your car to Europe for more than 90 days? You should let us know in advance, so that we can tell you how much it will cost to get extra insurance cover. You should also let us know if you’re planning to use your car for business travel abroad. Please call us on 0344 412 4684.

Breakdown cover

Arrange breakdown cover before you go if you want real peace of mind while driving abroad. AA European Breakdown Cover has a 24-hour English-speaking telephone helpline for when you're driving in Europe.

Member benefits

Benefits for AA members

 

Enjoy exclusive discounts and access to once-in-a-lifetime events

More about member benefits

Increased cover for members

As an AA member, you are entitled to extra levels of cover:

  • personal accident cover up to £7,500 (£2,500 more than non-members)
  • personal belongings up to £500 (£250 more than non-members) – incorporating cover for a portable satnav of up to £250
  • non-manufacturer-fitted audio equipment cover limit of £1,000
    (£250 more than non-members)
  • medical expenses limit of £500 (£100 more than non-members)

Get extra cover as an AA member

Get a quote

Extra cover for members is only available to AA eligible customers when they become new AA Car Insurance customers, and only available for the first year of the policy on fully comprehensive policies. Portable satellite navigation equipment limit remains at £250. Audio equipment cover available on third party fire and theft policies if loss or damage is directly caused by fire or theft. Not available retrospectively or for specialist schemes. Not available in conjunction with any other offer or discount. This offer can be withdrawn or varied at any time.

Advertisement does not cover specialist schemes such as AA Classic Car (for cars over 15 years old). Policy cover is subject to acceptance by underwriters and written quotations are available on request. Calls may be monitored and recorded for quality assurance and compliance. Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm. Automobile Association Insurance Services Limited is an insurance intermediary authorised and regulated by the Financial Services Authority. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered number 2414212.


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