Compare our cover levels

See which car insurance suits you best

Silver, Gold or Platinum comprehensive cover

Features and benefits of our car insurance

Table to show tiered cover available in Car Insurance
Description AA Silver logo Silver AA Gold logo Gold AA Platinum logo Platinum
Defaqto Rating Defaqto 4 Star Rating 4 Stars Defaqto 5 Star Rating 5 Stars Defaqto 5 Star Rating 5 Stars
Motor Legal Assistance Optional Included in AA Platinum cover Included in AA Platinum cover
Car Hire Optional Optional Included in AA Platinum cover
Motor Accident Plan Optional Optional Included in AA Platinum cover
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

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.


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 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
Standard car insurance

Policies purchased between 8 December 2021 and 30 September 2024, or renewed between 8 January 2022 and 6 September 2024:

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:


This PDF summarises your contract with AA Insurance Services and the services we offer:

About your contract with AA Insurance Services

Updated November 2023.


Car insurance

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