Excess Protection

Enhance your car insurance

Recover your excess if you make a claim

Your benefits with Excess Protection cover

With Excess Protection you can claim back your excess on one insurance claim during the 12 months of your car insurance policy for:

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

You can even claim back your policy excess on a claim where you're at fault or the other party involved cannot be identified.

Excess Protection is available with our comprehensive, or third party, fire and theft car insurance.

  • Covers your full policy excess (voluntary and compulsory excesses combined).
  • Claim your policy excess back on one car insurance claim for each policy year.
  • Peace of mind – with Excess Protection 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, e.g. through 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.
Policy documents

Excess Protection policy document

Please read all of the information relating to your policy before you buy Excess Protection cover.

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

Excess Protection Policy Wording

Previous policy document

Policies purchased between 14 March 2018 and 7 December 2021, or renewed between 14 April 2018 and 7 January 2022:

Excess Protection Policy Wording

Good to know

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.

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