Why insure your car with us?
Choice of comprehensive cover
Choose from the Silver, Gold or Platinum levels of cover for your daily driving. Each level has different features and benefits.
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.
Breakdown cover for £15
Don't get stranded on a journey. You can add vehicle breakdown cover for just £15 a year.
Choose the level of car insurance cover you need
Our Defaqto rated comprehensive 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
- Gold and Platinum comprehensive cover have a Defaqto 5 Star Rating with extras included.
- We're rated Excellent by our customers on Trustpilot.‡
- 3 year guarantee on damage repairs.
- You can 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 claims discount (NCD) you may have.
You can choose from 3 levels of car insurance – 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.
Features and benefits of our car insurance
Table to show tiered cover available in Car Insurance
Description
Silver
Gold
Platinum
Silver
Gold
Platinum
Defaqto Rating
4 Stars
5 Stars
5 Stars
4 Stars
5 Stars
5 Stars
Motor Legal Assistance
Optional
Car Hire
Optional
Optional
Motor Accident Plan
Optional
Optional
Excess Protection
Optional
Optional
Optional
Breakdown Cover
Optional
Optional
Optional
EU cover
30 days
90 days
90 days
Personal belongings
Cover up to £50
Cover up to £200
Cover up to £250
Windscreen replacement excess
£150 excess
£100 excess
£75 excess
Windscreen repair excess
£25 excess
£10 excess
No excess
Lost or stolen keys
Cover up to £750
Cover up to £1,000
Cover up to £1,500
Accidental and malicious damage minimum excess – additional excesses can apply for driver age and vehicle type
£200 excess
£150 excess
£100 excess
Boost Silver car insurance with additional cover
Just add on the cover you need when you get a quote. Our Platinum comprehensive car insurance comes with Motor Legal Assistance, Car Hire and Motor Accident Plan included.
Motor Legal Assistance
Avoid being left out of pocket where the other driver is to blame. Where it's more likely than not your case will be successful, you'll get help to claim for injuries or costs which aren't covered by your car insurance.
Motor Legal Assistance is optional for Silver car insurance but is included with Gold and 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.
Car Hire is optional for Silver and Gold car insurance but is included with Platinum car insurance.
Motor Accident Plan
By adding Motor Accident Plan you, named drivers and your passengers and can get a cash payment if anyone is injured following an accident.
Motor Accident Plan is optional for Silver and Gold car insurance but is included with Platinum car insurance.
Excess protection
Claim back your excess on one insurance claim during the 12 months of your policy, whether you're at fault or the other party can't be identified.
Breakdown Cover
Would you need help if your car breaks down? Whatever the weather, our expert patrols can deal with the causes of many breakdowns.
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.
Our Silver level of Third Party Fire and Theft cover is available exclusively through price comparison websites.
FAQs
FAQs about the Multi-Car Discount with AA Car Insurance
Policy documents
Good to know
* 10% of AA customers pay £237 or less for their car insurance. Based on new business sales from theAA.com, July 2025 to December 2025. 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: Level 3, Plant, Basing View, Basingstoke, Hampshire RG21 4HG. 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.
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