Why insure your car with us?
99% of claims paid
99% of car insurance claims were paid out in the past year. You can trust us to do the right thing.1
What our customers say‡
Uninsured driver promiseKeep your no claim discount and pay no excess if an uninsured driver hits your car and it's not your fault.
Features and benefits of our car insurance for members
 Silver |
 Gold |
 Platinum |
|---|---|---|
 |
 |
|
| Motor Legal Assistance | ||
| Optional |
 |
|
| Car Hire | ||
| Optional |
Optional |
|
| Motor Accident Plan | ||
| Optional |
Optional |
|
| Personal belongings | ||
| Cover up to £100 for members |
Cover up to £300 for members |
Cover up to £500 for members |
| Lost or stolen keys | ||
| Cover up to £750 |
Cover up to £1,000 |
Cover up to £1,500 |
Enhance your insurance with additional cover
Motor Legal Assistance
Avoid being left out-of-pocket following a claim where the other party is clearly to blame. Get legal assistance to seek the recovery of uninsured losses from the party at fault, such as:
- Car insurance policy excess
- Alternative transport costs
- Loss of earnings
- Compensation for a personal injury
We'll provide cover where it is more likely than not your claim will be successful.
You also get:
- 24/7 legal helpline for advice on legal matters
- Following a car accident, 2 hours tuition with an AA driving instructor to help regain your confidence
- A range of motoring related online legal documents, like making a formal complaint to a garage about poor quality workmanship
Find out what's insured and what isn't covered:
-
Motor Legal Assistance
Insurance Product Information Document
Motor Legal Assistance is included as standard with AA Gold and AA Platinum car insurance.
Car Hire
Need to stay mobile if your car's written off, or stolen and not recovered? Car Hire provides a replacement vehicle for up to 21 days. Here's what you get:
- Hire vehicle provided by a national car hire network.
- The vehicle will be similar in size to your own car, up to a 2.0 litre engine.
- No limit on claims.
Named drivers on your policy with a full UK driving licence can also use the vehicle.
Find out what's insured and what isn't covered:
-
Car Hire
Insurance Product Information Document
Car Hire is included as standard with AA Platinum Car Insurance.
Motor Accident Plan
Motor Accident Plan significantly improves on the personal injury cover included in our comprehensive policy.
By adding Motor Accident Plan you and insured persons can get the following extra benefits following a car accident:
- Up to an additional £100,000 on top of any payment provided by your AA Car Insurance policy, or any other personal accident and life insurance cover.
- Cover for a wider range of injuries including fractures, burns and facial scarring.
- Up to £750 cover for physiotherapy sessions for injuries, including whiplash.
- Up to £250 cover for stress or trauma counselling.
- £60 payment for spending between 6 and 24 hours in hospital, then for every day thereafter. The same daily payment applies if an injury prevents you from working or carrying out usual activities, for up to 180 days.
Find out what's insured and what isn't covered:
-
Motor Accident Plan
Insurance Product Information Document
Car Hire is included as standard with AA Platinum Car Insurance.
Excess Protection
Claim back your policy excess on a claim where you're at fault, or the other party involved can't be identified. You can get your excess back on a claim for:
- Accidental damage
- Malicious damage
- Theft or attempted theft
- Fire
Find out what's insured and what isn't covered:
-
Excess Protection
Insurance Product Information Document
Good to know
* A 10% discount is applied to each policy taken out for cars at your household. The discount applies to the core insurance premium, and not to any optional policy add-ons taken.
This offer is subject to the AA being able to provide a quote validated on your full details.
The discount can't be used in conjunction with any other offers or discounts, and can be withdrawn or amended at any time.
This offer is not available on price comparison or cashback websites.
1 Our panel of insurers paid out on average 99.60% of all car insurance claims, July 2024 to June 2025.
‡ Based on AA Car Insurance and AA Home Insurance combined customer reviews.
AA Gold and AA Platinum comprehensive car insurance have been given a 5 Star Rating from Defaqto. Defaqto is one of the UK's most trusted sources of financial product and market intelligence, supporting financial institutions, intermediaries and consumers to make smarter financial decisions.
The underwriter of your car insurance policy will be provided from our panel of insurers.
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.