* 30% of AA customers pay £215 or less for their car insurance. Survey of motor new business sales, September 2012 to February 2013 (standard cover only).
For the third year running, AA Car Insurance has been awarded a star rating from Defaqto.
Defaqto is an independent, financial research company that specialises in rating, comparing and analysing financial products.
If you're already an AA member you get improved cover when you buy car insurance from the AA. Here's an example:
As an AA member you get up to £500 cover for personal belongings in your car. That's double the amount for standard cover.
You could pay less with our new 'pay how you drive' car insurance. With AA Drivesafe telematic insurance you're rewarded for showing that you're a safe driver.
Whether you're a young driver, newly-qualified or have driving convictions, you could save money on car insurance with AA Drivesafe.
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** AA Rewards saved our members more than £4.9 million in 2012; based on total number of redemptions for 2012, times the amount of average saving for 2012. Please see AA Rewards terms and conditions for all AA and third-party terms and conditions.
† Based on all new business and renewal sales for AA car insurance between 2008 and 2012.
The underwriter of your car insurance policy will be chosen from our panel of insurers.
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.
| Summary of cover | Comprehensive cover | Third Party, Fire and Theft | Third Party Only |
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| 24-hour dedicated claimline, available 365 days a year |  |
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| Liability to others for injury or damage to property | |
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| Uninsured Driver Promise | |
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| Named drivers can earn no claims discount to use on an AA policy. | |
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| Emergency treatment costs | |
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| The insured car is covered when used in a car sharing scheme | |
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| No claims discount | |
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| Travelling abroad | Up to 90 days' car insurance cover across EU countries |
Up to 90 days' car insurance cover across EU countries |
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 | 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 |
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) |
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 | |
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| Accidental damage | |
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| Courtesy car while your car is repaired by an approved repairer | |
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| Replacement locks and keys |
Up to £1,000 |
Up to £1,000 if caused by fire or theft |
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| Replacement child car seats |
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If damage caused by fire or theft |
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| Windscreen, window and sunroof repairs without losing your no-claims discount | |
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| Personal belongings in the insured car | Up to £250 (£500 for AA members, except for portable satellite equipment where limit remains £250) |
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| Damage to trailers | Up to £500 on single axle trailers |
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| Injury to you and / or your partner | Up to £5,000 for injury or death (£7,500 for AA members) |
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| Medical expenses | Up to £400 per person (£500 for AA members) |
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| Overnight accommodation or onward transport | Up to £300 per person (£500 max for everyone travelling in the vehicle) |
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If you're an AA member you get improved levels of cover when you insure your car with the AA.
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.
Car Insurance Policy Booklet (April 2013)
For policies with a start date from 6 April 2013 or a renewal date from 25 April 2013 onwards.
You may contact us using Text Relay. This information is also available in large print, audio and Braille on request. Please call for details.
Please refer to the following car insurance booklets for policies starting or renewed between the dates shown.
1 October 2012 to 5 April 2013 (renewal date to 24 April 2013)
Car Insurance Policy Booklet (October 2012)
1 August 2012 to 30 September 2012
Car Insurance Policy Booklet (August 2012)
1 June 2012 to 31 July 2012
Car Insurance Policy Booklet (June 2012)
1 February 2012 to 31 May 2012
Car Insurance Policy Booklet (February 2012)
To find out more about AA Insurance Services, this PDF gives a summary of the services we offer.
Information about AA Insurance Services Limited
Sign in to view your car insurance policy
Motor Legal Assistance – for policies purchased from 13 June 2012
Motor Legal Protection – for policies purchased before 13 June 2012
Who underwrites AA Car Insurance?
The underwriter is the person who looks at the risk of insuring you and who works out how much you should pay for your 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.
Do AA members get a discount on car insurance?
Let us know that are an AA member when you get a quote online. You could get a discount when you insure your car with us for the first time.
As an AA member you also get higher levels of car insurance cover when you buy your cover from the AA.
What is a protected no-claims discount?
A no-claims discount is a reward for not making a claim on your motor insurance policy. Your no-claims discount will normally go down at your next renewal after a claim if your insurance company cannot get their money back from the person responsible or you can't get the money back you had to pay out of your own pocket.
You can pay up to 15% more for your car insurance to protect your no-claims discount so that you can make two of these 'non-recoverable' claims in a three- or five-year period without getting less 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.
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 less for your car insurance if you agree to pay some of the cost of any claim for loss of or damage to your car.
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.
Back to topCan I get motor insurance that starts right now?
Yes. You can get car insurance that starts straight away online or over the phone.
Can I drive abroad with my car insurance?
You get the minimum insurance needed in any EU country if you buy any private car insurance in the UK. Your AA Car Insurance also gives you the same motor insurance cover you get in the UK for up to 90 days in a year.
So you have comprehensive cover when you drive in any EU country as a comprehensive policyholder. You can get extra motor insurance for longer periods and for countries outside the EU.
Learn more about AA Car Insurance for driving abroad
Can I spread my payments and pay by monthly instalments?
Yes, we do offer the option to pay by monthly instalments on most quotes.
If you 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?
You want to keep your personal details and your credit or debit card information private and secure when you buy online. We give you this security by using secure server software that encrypts any information you give us online. It takes the characters you enter and converts them into a secret code, which is then securely sent to us.
Back to topHow do I make a car insurance claim?
Call our 24-hour claim line on 0800 269 622.
Find out more about how to make a motor insurance claim.
Avoid being left out-of-pocket following a claim where you're not at fault.
Get legal assistance to seek recovery of uninsured losses like:
You also get:
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:
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.
Motor Accident Plan pays up to £20,000 if you, or a driver name on your policy, is left permanently disabled or dies as a result of a car crash.
Motor Accident Plan significantly improves on the personal injury cover included in our comprehensive policy. Compare cover
AA Car Insurance gives you cover for up to 90 days in the EU
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.
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.
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.
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 0844 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.
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 0844 412 4684.
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.
Learn more about car insurance
Learn more about how UK car insurance works and see how you could save money when you get a car insurance quote.
Enjoy exclusive discounts and access to once-in-a-lifetime events
Find out more about AA Rewards
As an AA member, you are entitled to extra levels of cover:
Get extra cover as an AA member
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 10pm (Tuesday 8am to 8pm), Saturday 8.30am to 7pm, Sunday 9am to 7pm. 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.
Call for a quote
0800 316 2456
Policy queries or claims
0800 316 1193
Or we can call you back
