We set up and administer your policy from the insurers on our car insurance panel. The name of the underwriter will be shown on your car insurance quote.
We offer three levels of comprehensive car insurance, Silver, Gold and Platinum, so you can choose just the right cover you need.
Each level has varying features and benefits to give you the best value for money.
There is also Silver third party, fire and theft car insurance, and this cover is only available through price comparison websites.
We provide cover for drivers aged between 18 and 99.
Insurance can be expensive for young drivers so we've put together some tips on how to reduce car insurance costs. See our advice for young drivers.
No, we don't cover drivers who live outside the UK. The policyholder and any other person insured under the car insurance policy must hold a current valid UK, EU or foreign driving licence and be a resident of Great Britain and Northern Ireland.
The territorial limits of the insurance cover are Great Britain, Northern Ireland, the Isle of Man, the Channel Islands and the Republic of Ireland.
Some additional cover options may have restricted territorial limits.
If you have insurance with us, you can find out when your car insurance is due for renewal by logging into your online account.
If you have insurance through another provider, check your renewal email or letter or call your insurer for your policy details.
You can buy your insurance up to 30 days before the policy start date.
So when you pay using a debit or credit card, whether online or by phone, you'll be insured from the chosen start date of the policy.
If you get a car insurance quote online, you can use the reference to retrieve the quote for 28 days, as long as your details are the same.
If you're a member, you could get a discount when you insure your car online for the first time, and on subsequent renewals if you remain a member.
A vehicle modification is a change to its original specification. This excludes added optional features when the vehicle was purchased from the manufacturer.
Tow bars and parking sensors are not modifications.
If your car has been modified we can give you an online quote for a maximum of 3 modifications from the following list:
Modifications can increase the premium, as they present a higher risk than original components.
Accordingly, if your car has more than 3 modifications, or the modification isn't listed, we won't be able to give you a quote.
Yes, you can pay by monthly instalments. When you buy your insurance by monthly instalments an initial deposit is paid by card, then the rest of your payment will be made in 11 monthly instalments by Direct Debit.
The dates of the instalments will be shown in the Credit Agreement sent to you by post – it takes about 5 working days to arrive.
Credit will be provided by Automobile Association Insurance Services Limited, and you must be over 18.
We keep your personal details and your credit or debit card information private and secure when you buy online.
We do this by using secure server software that encrypts any information you give us. It takes the characters you enter and converts them into a secret code, which is then securely sent to us.
When towing a caravan or trailer, you're covered for costs you're liable to pay if you cause damage to property, or injury or death to someone.
If you have comprehensive insurance, a single-axle trailer attached to your car will also be covered for damage up to £500. The trailer must be in a safe and roadworthy condition.
When you get a quote, select 'Social, domestic, pleasure, commuting and business use' for journeys to various places in connection with your work, such as offices or factories.
Whereas when you travel to a single permanent place of work, select 'Social, domestic, pleasure and commuting'.
No. When you get a quote, select 'Social, domestic and pleasure' if you use your car for voluntary work.
Our panel of insurers operates under the statement issued by the Association of British Insurers:
'The insurers will insure their policyholders to carry out voluntary driving, that is, the use of a vehicle they own in connection with, or for the benefit of, charities, voluntary organisations, clubs or societies … where payment does not exceed the HMRC mileage rates in force at that time. This does not cover use for hire or reward or vehicles owned by, hired to or lent to the voluntary organisation.'
But if you transport goods or people as part of your voluntary work, then please call 0330 053 0228 for a quote.
If you call us about an existing policy to say you now do voluntary work, we won't charge an administration fee to update it.
Yes, our comprehensive insurance allows you to drive other vehicles with third-party cover, unless specifically excluded by your insurer. If this cover is excluded, it will be shown on your quote as an endorsement.
If you've already bought car insurance from us, the Certificate of Insurance will confirm you can drive other cars. The conditions that apply to this benefit are in the Car Insurance Policy Booklet.
A no claims discount is a reward for not making a claim on your car insurance in the past policy year.
The number of years no claims discount will be shown on your renewal invitation or current Statement of Insurance/Fact.
If you do make a claim, your discount will normally be less at the next renewal if your insurer can't get their money back from the person responsible.
New customers
When you get a car insurance quote, we ask for the number of years no claims discount (or no claims bonus) you already have. This information is on the cancellation notice or last renewal invitation from your previous insurer.
To validate your policy after purchase, we may ask for proof of the discount you've earned.
This will be a copy of the cancellation notice or last renewal invitation, or a letter on headed paper from your previous insurer.
The document should show:
The document must be dated within the past 2 years and can't be used for another vehicle. You'll also need to tell us about any gap of more than 30 days between your previous and the new AA policy, including claims or convictions.
You can upload the document to your account.
Or send it to us by email or post:
When we receive it we'll acknowledge the proof of your no claims discount. If we need more information, we'll make sure you have enough time to provide it. In the meantime, your AA car insurance policy will remain active.
Existing customers
If you already have car insurance with us, the number of years no claims discount is on your Statement of Insurance/Fact. You'll have received this at purchase or renewal, either by post or in your account.
If you need a replacement Statement of Insurance/Fact, log in to your account to print a copy or contact us via chat.
If you cancelled your policy before the renewal date, the number of years no claims discount will be on your cancellation letter. Otherwise we can't send proof of your no claims discount until your policy has ended.
Yes, you can pay an additional premium to protect your no claims discount.
No claims discount protection allows you to make one or more claims before your number of no claims discount years falls.
A claim for windscreen repair or replacement won't affect your no claims discount.
No claims discount protection doesn't protect the renewal price of your insurance policy. The premium may increase following an accident, even if you weren't at fault.
If you make a claim following an accident that is not your fault, and the driver of the other vehicle is not insured, you won't lose your no claims discount or have to pay any excess.
We just ask you to tell us the other vehicle's make, model and valid registration number, so that we can identify the driver of the other vehicle.
Yes they can. Named drivers over 25 can earn their own no claims discount to use on a policy with us. See our page about named drivers.
This is how much you must pay towards the cost of a claim.
It's a combination of a compulsory and a voluntary excess, and the total amount is shown on your quote.
Compulsory excess – this is the amount the insurer says you'll have to pay towards each claim.
Voluntary excess – this is how much you select to pay on top of the compulsory excess, usually up to £500.
The compulsory excess varies between Silver, Gold and Platinum car insurance for certain claims, and Platinum can have a lower excess.
Also, there can be additional compulsory excesses for the driver's age and the type of vehicle, so always check that you're comfortable with the policy excess before you buy car insurance.
Yes, you can pay a voluntary excess towards the cost of a claim, usually up to £500.
Typically, you pay less for your car insurance if you select a higher voluntary excess when you get a quote.
Thatcham Research, based in Thatcham, Berkshire, certifies car security products. Most insurers like these products and could give you a discount if you have them in your car.
A GPS tracker hidden in a car can help the police find it if its stolen, and most cars that have one are found. You can pay up to 10% less for your motor insurance if your car has a GPS tracker.
When you buy insurance from us, we want to be sure no one else is using your identity. That's why we may send an email after purchase asking you to complete an identity check.
When you start the check, our trusted partner Mitek will ask you to upload a selfie image and a copy of your driving licence or other identity documents. This is done via a secure portal and your details won't be kept or used for any other purpose.
Mitek will only share your personal details with us, and once the identity check is done Mitek will delete all of your documents.
