Car insurance

Car insurance for £250 or less

That's what 10% of our new customers pay*

Why insure your car with us?

  • USPs breakdown cover offer
    Breakdown cover for £15

    Don't get stranded on a journey. You can add vehicle breakdown cover for just £15 a year.

  • USPs Feefo rating
    What our customers say‡
  • USPs uninsured driver
    Uninsured driver promise

    Keep your no claim discount and pay no excess if an uninsured driver hits your car and it's not your fault.

Choose the level of car insurance cover you need

Our Defaqto rated Silver, Gold and Platinum policies offer a choice of features and benefits.

  • All of our car insurance policies provide the uninsured driver promise and new for old cover.¹
  • Stay on the move after an accident, no matter who's at fault – you'll get a courtesy car while yours is being repaired.²
  • Add vehicle breakdown cover for only £15.

    A car insurance quote takes just a few minutes. We just need some details about you, the vehicle you want to insure, and your driving history, including any no claim discount (NCD) you may have.

Features and benefits of our car insurance

Defaqto 4 Star rating Defaqto 5 Star rating Defaqto 5 Star rating
Motor Legal Assistance
Tick Tick
Car Hire
Motor Accident Plan
Excess Protection
Breakdown Cover
EU cover
30 days
90 days
90 days
Personal belongings
Cover up to
Cover up to
Cover up to
Windscreen replacement excess
Windscreen repair excess
No excess
Lost or stolen keys
Cover up to
Cover up to
Cover up to
Accidental and malicious damage excess

Enhance your insurance with additional cover

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 the 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'll 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
  • Following a car accident, 2 hours tuition with an AA driving instructor to help regain your confidence
  • A range of motoring related online legal documents, like making a formal complaint to a garage about poor quality workmanship

Find out what's insured and what isn't covered:

Motor Legal Assistance is included as standard with AA Gold and AA Platinum car insurance.

Car Hire

Need to stay mobile if your car's written off, or stolen and not recovered? Car Hire provides a replacement vehicle for up to 21 days. Here's what you get:

  • Hire vehicle provided by a national car hire network.
  • The vehicle will be similar in size to your own car, up to a 2.0 litre engine.
  • No limit on claims.

Named drivers on your policy with a full UK driving licence can also use the vehicle.

Find out what's insured and what isn't covered:

  • Car Hire
    Insurance Product Information Document

Car Hire is included as standard with AA Platinum Car Insurance.

Motor Accident Plan

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

By adding Motor Accident Plan you and insured persons can get the following extra benefits following a car accident:

  • Up to an additional £100,000 on top of any payment provided by your AA Car Insurance policy, or any other personal accident and life insurance cover.
  • Cover for a wider range of injuries including fractures, burns and facial scarring.
  • Up to £750 cover for physiotherapy sessions for injuries, including whiplash.
  • Up to £250 cover for stress or trauma counselling.
  • £60 payment for spending between 6 and 24 hours in hospital, then for every day thereafter. The same daily payment applies if an injury prevents you from working or carrying out usual activities, for up to 180 days.

Find out what's insured and what isn't covered:

Car Hire is included as standard with AA Platinum Car Insurance.

Excess Protection

Claim back your policy excess on a claim where you're at fault, or the other party involved can't be identified. You can get your excess back on a claim for:

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

Find out what's insured and what isn't covered:

Breakdown Cover

Would you need help if your car breaks down? The Roadside level of cover provides:

  • 24/7 assistance if your vehicle breaks down over 1/4 mile from your home.

Whatever the weather, our expert patrols usually get to you in less than an hour, and typically get you back on the road after 30 minutes of arrival.

You can also add National Recovery just in case we can't repair your vehicle:

  • We'll take you, up to 7 passengers and the vehicle to any UK mainland destination.

So if we can't complete repairs at the roadside, you can choose to be taken home, to your driving destination or your local garage, regardless of how far this may be.

The Breakdown Cover service is limited to 1 call-out during the insurance policy year.

Find out what's insured and what isn't covered:

  • Roadside
    Insurance Product Information Document

What is car insurance?

Depending on the level of cover selected, car insurance gives you financial protection for incidents that cause damage to your car, or if it's vandalised or stolen.

Various factors apply when you buy car insurance, including the make and model of the car, where you keep it, your age and whether you have any motoring convictions.

Why do I need car insurance?

Car insurance is required by law, unless you've registered your vehicle as being off the road.

The minimum level of insurance is third party only, which covers you against liability to third parties following a road traffic accident.

Third party, fire and theft provides the same cover as third party, plus cover in the event of your car being stolen or damaged by fire.

What types of car insurance are available?

We offer 3 levels of comprehensive car insurance to choose from – Silver, Gold and Platinum.

  • Silver has a good level of features and benefits, and you can select any additional cover that you prefer.
  • Gold with a Defaqto 5 Star Rating is an excellent product that includes Motor Legal Assistance.
  • Platinum comes with the additional cover of Motor Legal Assistance, Car Hire and Motor Accident Plan.

To find out more you can read our page on the different types of car insurance.



Not sure about something?


About our car insurance

Who underwrites AA Car Insurance?

We set up and administer your policy from the insurers on our car insurance panel. The name of the underwriter will be shown on your car insurance quote.

What levels of cover do you offer?

We offer a range of policies so you can choose just the right cover to meet your needs.

Our standard AA Car Insurance has a Defaqto 5 Star Rating, which means it provides high quality cover.

We also offer three other levels of comprehensive car insurance, Silver, Gold and Platinum. Each level has varying features and benefits, so you can get the best value for money.

There is also Silver third party, fire and theft car insurance, and this cover is only available through price comparison websites.

What ages do you provide insurance for?

We provide cover for drivers aged between 18 and 99.

How can a young driver reduce their car insurance premiums?

Insurance can be expensive for young drivers so we've put together some tips on how to reduce car insurance costs. See our advice for young drivers.

When is my car insurance due?

If you have insurance with us, you can find out when your car insurance is due for renewal by logging into your online account.

If you have insurance through another provider, check your renewal email or letter or call your insurer for your policy details.

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Buying your cover

When does my insurance start?

You can buy your insurance up to 30 days before the policy start date.

So when you pay using a debit or credit card, whether online or by phone, you'll be insured from the chosen start date of the policy.

If you get a car insurance quote online, you can use the reference to retrieve the quote for 28 days, as long as your details are the same.

Do AA members get a discount on car insurance?

If you're a member, you could get a discount when you insure your car online for the first time, and on subsequent renewals if you remain a member.

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

A vehicle modification is a change to its original specification. This excludes added optional features when the vehicle was purchased from the manufacturer.

Tow bars and parking sensors are not modifications.

If your car has been modified we can give you an online quote for a maximum of three 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 three modifications, or the modification isn't listed, please call us on 0330 053 0228 – we may still be able to give you a quote.

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About your payment

Can I spread my payment in monthly instalments?

Yes, you can pay by monthly instalments. When you buy your insurance by monthly instalments an initial deposit is paid by card, then the rest of your payment will be made in 11 monthly instalments by Direct Debit.

The dates of the instalments will be shown in the Credit Agreement sent to you by post – it takes about 5 working days to arrive.

Credit will be provided by Automobile Association Insurance Services Limited, and you must be over 18.

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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Your policy documents

Can I access the policy documents online?

After you've purchased your car insurance, the policy documents will be available in your online account.

It's easy to register, and you'll see all your AA policies in one handy place.

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Using the car

Am I covered for towing caravans or trailers?

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

If you have comprehensive insurance, a single-axle trailer attached to your car will also be covered for damage up to £500. The trailer must be in a safe and roadworthy condition.

When do I need to declare business use?

When you get a quote, select 'Social, domestic, pleasure, commuting and business use' for journeys to various places in connection with your work, such as offices or factories.

Whereas when you travel to a single permanent place of work, select 'Social, domestic, pleasure and commuting'.

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

No. When you get a quote, select 'Social, domestic and pleasure' if you use your car for voluntary work.

Our panel of insurers operates under the statement issued by the Association of British Insurers:

'The insurers 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.'

But if you transport goods or people as part of your voluntary work, then please call 0330 053 0228 for a quote.

If you call us about an existing policy to say you now do voluntary work, we won't charge an administration fee to update it.

Can I drive other cars?

Yes, our comprehensive insurance allows you to drive other vehicles with third-party cover, unless specifically excluded by your insurer. If this cover is excluded, it will be shown on your quote as an endorsement.

If you've already bought car insurance from us, the Certificate of Insurance will confirm you can drive other cars. The conditions that apply to this benefit are in the Car Insurance Policy Booklet.

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Driving abroad

Can I drive abroad with my car insurance?

Our standard AA Car Insurance and our AA Gold or Platinum car insurance allow you to drive anywhere in the EU, and in several other European countries, with the same level of cover you have in the UK for up to 90 days during your policy year.

Silver car insurance provides cover for up to 30 days during your policy year.

Remember, as a tourist or for other reasons you can stay within the EU for 90 days in any 180-day period. You may need a visa for a stay longer than 90 days.

Depending on your insurer, you could get cover for countries that we don't include as standard.

You can find out more on our advice page for driving abroad in Europe.

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The policy excess

What is a policy excess?

This is the amount of money you must pay towards the cost of a claim.

The amount is the combination of a compulsory and a voluntary excess, and this is shown on your quote.

Compulsory excess – this is the amount the insurer says you'll have to pay towards each claim.

Voluntary excess – this is a variable amount you choose to pay on top of the compulsory excess, usually up to £500.

The compulsory excess varies between Silver, Gold and Platinum car insurance for certain claims, and Platinum can have a lower excess.

Always check that you're comfortable with the policy excess before you buy car insurance.

Can I pay a voluntary excess?

Yes, you can pay a voluntary excess towards the cost of a claim, usually up to £500.

Typically, you pay less for your car insurance if you select a higher voluntary excess when you get a quote.

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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 car insurance in the past policy year.

The number of no claims discount years will be shown on your renewal invitation or current Certificate of Insurance.

If you do make a claim, your discount will normally be less at the next renewal if your insurer can't get their money back from the person responsible.

Where can I find proof of my no claims discount?

New customers
When you get a car insurance quote, we ask how many years no claims discount you already have. This information is on the cancellation notice or last renewal invitation from your previous insurer.

In order to validate your policy after purchase, we may ask for proof of the discount you've earned. You can send us a copy of the renewal or cancellation notice, or a letter on headed paper from your previous insurer.

The document must be dated within the past 2 years, and isn't used for another vehicle. Also, please tell us about any gap of more than 30 days between your previous and the new AA policy, including claims or convictions.

You can either email or send the document to us:

[email protected]

The AA
Q3, Quorum Business Park
Benton Lane
Newcastle upon Tyne NE12 8EX

The document should show:

  • Your name and address
  • The previous insurance policy number and expiry date
  • The vehicle registration number
  • Number of years no claims discount

On receipt we'll acknowledge the proof of your no claims discount. If we do need further information, we'll allow you sufficient time to provide it. Meanwhile, your AA car insurance policy remains active.

Existing customers
If you already have car insurance with us, the number of years no claims discount is on your Certificate of Insurance. You'll have received a copy at purchase or renewal, either by post or in your online account. If you need a replacement Certificate of Insurance, please call us on 0370 533 2211.

Can I protect my no claims discount?

Yes, you can pay an additional premium to protect your no claims discount.

No claims discount protection allows you to make one or more claims before your number of no claims discount years falls.

A claim for windscreen repair or replacement won't affect your no claims discount.

No claims discount protection doesn't protect the renewal price of your insurance policy. The premium may increase following an accident, even if you weren't at fault.

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 won't 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 a no claims discount on my policy?

Yes they can. Named drivers over 25 can earn their own no claims discount to use on a policy with us. See our page about named drivers.

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Security devices

What is a Thatcham certified security device?

Thatcham Research, based in Thatcham, Berkshire, certifies car security products. Most insurers like these products and could give you a discount if you have them in your car.

What is a car tracking device?

A GPS tracker hidden in a car can help the police find it if its stolen, and most cars that have one are found. You can pay up to 10% less for your motor insurance if your car has a GPS tracker.

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Your idendity check

I've got an email from Mitek

When you buy insurance from us, we want to be sure no one else is using your identity. That's why we may send an email after purchase asking you to complete an identity check.

When you start the check, our trusted partner Mitek will ask you to upload a selfie image and a copy of your driving licence or other identity documents. This is done via a secure portal and your details won't be kept or used for any other purpose.

Mitek will only share your personal details with us, and once the identity check is done Mitek will delete all of your documents.

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Policy documents

The policy booklets contain the terms and conditions of our car insurance, and tell you about the main features and limits of each level of cover.

If you need the policy booklets in large print, audio or Braille, please call us on:

0370 533 2211

You can also contact us using Relay UK (formerly Next Generation Text).

Silver, Gold or Platinum car insurance

Please read this PDF summarising your contract with AA Insurance Services and the services we offer:

About your contract with AA Insurance Services

Updated December 2023.

Policies purchased or renewed from 30 December 2023:

Car Insurance Policy Booklet

Policies purchased between 1 March 2023 and 29 December 2023:

Car Insurance Policy Booklet

Find out what's insured and what isn't covered in our comprehensive insurance:

Find out what's insured and what isn't covered in our third party, fire and theft car insurance:

Standard car insurance

Please read this PDF summarising your contract with AA Insurance Services and the services we offer:

About your contract with AA Insurance Services

Updated November 2023.

Policies purchased from 8 December 2021, or renewed from 8 January 2022 onwards:

Car Insurance Policy Booklet

Find out what's insured and what isn't covered in our comprehensive car insurance:

Find out what's insured and what isn't covered in our third party, fire and theft car insurance:

Information about additional cover

Good to know

* 10% of AA customers pay £250 or less for their car insurance. Survey of new business sales from, November 2023 to January 2024. Prices based on comprehensive cover only.

1 New for old cover applies when your car is written off or stolen. The car must be less than 13 months old from the date of first registration, and you must be the first and only registered keeper.

2 Comprehensive cover provides a courtesy car while your car is being repaired at an approved garage.

Based on AA Car Insurance and AA Home Insurance combined customer reviews.

AA Gold and AA Platinum comprehensive car insurance have been given a 5 Star Rating from Defaqto. Defaqto is one of the UK's most trusted sources of financial product and market intelligence, supporting financial institutions, intermediaries and consumers to make smarter financial decisions.

The underwriter of your car insurance policy will be provided 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), Financial Services Register number 310562.

Driving abroad

How far does your car insurance cover go in Europe?

Car insurance

0330 053 0228

Lines are open Monday to Friday 8am to 7pm, Saturday 9am to 5pm.

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Car insurance claims 24/7

0330 053 0322

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Policy queries

0370 533 2211

Lines are open Monday to Friday 8am to 7pm, Saturday 9am to 5pm.

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