Uninsured Driver Promise

Uninsured Driver Promise

Keep your car insurance no-claims discount


Defaqto 5 Star Rating


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


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

Don't pay for uninsured drivers

About one in twenty-five drivers is uninsured.* A road traffic accident involving an uninsured driver could result in a lengthy claim, which may leave you out of pocket, even if you are not at fault.

That's why AA Car Insurance gives you the Uninsured Driver Promise. You will not have to pay an excess and you will not lose your no-claims discount if your car is hit by a driver who is not insured.**

We just need to establish the accident was not your fault, and you will need to tell us the make, model and registration number of the other vehicle.

How much does it cost to add the Uninsured Driver Promise to an AA Car Insurance policy? It's free, to all comprehensive policyholders.

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* Source: Motor Insurers' Bureau.

** This benefit will only apply if your insurer can establish that the accident is not your fault, and the driver of the other vehicle is identified and is not insured.

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.

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