Skip to main content [Accesskey 'S']Go to home page [Accesskey '1']
Are you a business customer?
  • Broken down?|
  • Had an accident?|
  • Help and support
  • Breakdown cover
  • Report a breakdown
  • Personal breakdown cover
  • Multicar breakdown cover
  • Family breakdown cover
  • European breakdown cover
  • Motorbike breakdown cover
  • Electric car breakdown cover
  • Business breakdown cover
  • Caravan and motorhome breakdown cover
  • Instant breakdown cover
  • Report an accident
  • Wrong fuel assistance
  • Manage your cover
  • Breakdown guides
  • Car insurance
  • Multi-Car Discount
  • Van insurance
  • Electric car insurance
  • Short term car insurance
  • Motorbike insurance
  • Car insurance guides
  • Home insurance
  • Buildings insurance
  • Contents insurance
  • Home insurance guides
  • Travel insurance
  • Backpacker travel insurance
  • All insurance products
  • Car insurance claim
  • Home insurance claim
  • Manage your policy
  • MOTs
  • Car servicing
  • Mobile mechanics
  • Diagnostics
  • Brake pads and discs
  • Car battery replacement
  • Car key replacement
  • Oil and filter change
  • Vixa proactive car care
  • Wrong fuel assistance
  • Car warranty
  • Car servicing guides
  • MOT guides
  • Used cars for sale
  • New cars to lease
  • AA cars and vans
  • Car history check
  • Car warranty
  • Car finance
  • Sell your car
  • Vehicle inspection
  • Vehicle delivery
  • Car reviews
  • Car buying guides
  • Driving School
  • Driving instructor training
  • Driving School franchise
  • EV Driving School franchise
  • Driving instructor guides
  • Driving lessons
  • Refresher driving lessons
  • AA Driving Theory app
  • Manage your lessons
  • Learner driver insurance
  • Learner driving advice
  • Personal loans
  • Car loans
  • Debt consolidation loans
  • Home improvement loans
  • Manage your loan
  • Savings accounts
  • Easy Access Savings
  • AA Member Saver
  • Manage your savings
  • All finance products
  • Finance guides
  • Route planner
  • Traffic news
  • Mileage calculator
  • Fuel price report
  • Travel insurance
  • Backpacker travel insurance
  • Atlases travel guides and driving kits
  • Travel ideas and places to stay
  • Driving advice

Excess Protection

Recover your excess if you make a claim

Enhance your car insurance with additional cover

Your benefits with Excess Protection cover

You can claim back your excess on one insurance claim during the 12 months of your car insurance policy.

You'll be covered in a claim for:
  • Accidental damage
  • Malicious damage
  • Theft or attempted theft
  • Fire

And it covers your total policy excess – voluntary and compulsory excesses combined.

  • You can claim back your excess on a claim where you're at fault or the other party involved can't be identified.
  • Peace of mind – you won't be left out-of-pocket if your car's damaged by an unidentified driver.

What claims are not covered

  • Where the total cost of the claim is less than the excess payable on the car insurance policy.
  • Where you haven't been left out of pocket. For instance, if you were able to recover your policy excess through another insurance policy, such as Motor Legal Assistance cover.
  • Incidents that happen before the start of your policy.
  • Policy excesses related to: glass (windscreen, sunroof and windows); personal effects; accessories; or audio and visual equipment such as car phones, satnav, CD players and radios.

Car insurance

Defaqto Star rated insurance – you're in safe hands
Find out more

Car insurance extras

  • Breakdown Cover
  • Car Hire
  • Motor Accident Plan
  • Motor Legal Assistance
Policy documents
Toggle arrow

Please read all of the information relating to your policy before you buy Car Hire cover.

Silver, Gold or Platinum car insurance

Policies purchased or renewed from 30 December 2023:

Car Insurance Policy Booklet

Standard car insurance

Policies starting or renewed from 30 December 2023:

Excess Protection Policy Wording


Good to know
Toggle arrow

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.

Find help or contact options

We’ve got online solutions, account log in, live chat and more – so you can complete your task or get support.

Contact us
Help support sign posting

Connect with us

x logofacebook iconInsta new
  1. Homearrow-right
  2. Car insurancearrow-right
  3. Excess protection cover
  • About us
  • Gender pay gap
  • Help and support
  • Apps
  • Careers
  • Modern slavery
  • Terms of use
  • Privacy notice
  • Privacy hub
  • Cookies

© Automobile Association Developments Ltd. 2026