Compare our cover levels
See what car insurance suits you best
Comprehensive or third party, fire and theft
Cover features
Courtesy car while your car is repaired by an approved repairer
Courtesy car when your car is written off or stolen*
24/7 claim helpline
Liability to others for injury or damage to their property
Uninsured driver promise – you will not pay an excess or lose your no claims discount if your car is hit by an uninsured driver
Named drivers can earn a no claims discount to use when they insure a car with us
Emergency treatment – you're covered for any fees following an accident
Car sharing scheme – the car you're insuring is covered
No claims discount for claim-free driving
Driving in Europe – up to 90 days' cover in the EU and several other European countries
Garage custody and valet parking cover (TPFT cover excludes accidental damage)
Fire and theft damage
Replacement locks and keys – up to £1,000 cover with comprehensive cover
Replacement child seats (TPFT cover if damaged by fire or theft)
Accidental damage
Windscreen, window and sunroof repairs without losing your no claims discount
Personal belongings in your car – up to £250 cover (£500 for AA Members)
Damage to trailers – up to £500 cover on single axle trailers
Personal injury – up to £5,000 cover (£7,500 for AA Members)
Medical expenses – up to £400 per person (£500 for AA Members)
Accommodation or onward travel cover if you cannot continue your journey following an accident
Policy documents
The Car Insurance Policy Booklet contains the full terms and conditions for AA Car Insurance, and tells you about the main features and limits of the policy.
Policies purchased from 2 March 2021, or renewed from 2 April 2021 onwards:
If you need the policy booklet information 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).
Previous policy booklets
Policies purchased between 4 September 2019 and 1 March 2021, or renewed between 3 October 2019 and 1 April 2021:
AA Smart Insurance
Policies purchased from 28 November 2019 onwards:
Additional Terms and Conditions
About your contract with AA Insurance Services
Please read this PDF summarising your contract with AA Insurance Services and the services we offer:
About your contract with AA Insurance Services
Updated June 2021.
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Information and policy documents for additional extras
Good to know
* A courtesy car is provided with comprehensive cover while your car is repaired at an approved garage. When you buy comprehensive cover direct from the AA, you also get a courtesy car for up to 21 days if your car is written off or stolen and not recovered. To qualify, you must be over 18 (over 23 in Northern Ireland and the Isle of Man) and have a full UK driving licence. This additional cover isn't available through price comparison and cashback websites.