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Car insurance

Found the right car for you?

Now automatically get 10% off a car insurance quote*

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Why insure your car with us?

  • Usps white tick
    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

  • USPs Feefo rating
    What our customers say‡
    Trustpilot
  • USPs uninsured driver
    Uninsured driver promise

    Keep your no claim discount and pay no excess if an uninsured driver hits your car and it's not your fault.

The right car insurance for you

We offer two types of car insurance, so whether you need comprehensive or third party, fire and theft, we can help.

  • With a 5 Star Rating from Defaqto, our standard comprehensive car insurance provides excellent benefits such as the uninsured driver promise and new for old cover.²
  • Stay on the move after an accident, no matter who's at fault – with comprehensive car insurance you'll get a courtesy car while yours is being repaired.³
  • Add extra cover to suit your needs, such as Motor Legal Assistance and Excess Protection.

    A car insurance quote takes just a few minutes. We just need some details about you, the vehicle you want to insure, and your driving history, including any no claim discount (NCD) you may have.

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

More information and policy documents

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.

More information and policy documents

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

More information and policy documents

Motor accident plan

Motor Accident Plan significantly improves on the personal injury cover included in our comprehensive policy.

By including Motor Accident Plan on your policy you 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 (up to £60,000 for named drivers).
  • 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 (£40 for named drivers). The same daily payment applies if an injury prevents you from working or carrying out usual activities, for up to 180 days.

See how Motor Accident Plan compares with personal injury cover

More information and policy documents

Breakdown cover

Would you need help if your car breaks down? The Roadside level of cover provides:


  • 24/7 assistance if your vehicle breaks down over 1/4 mile from your home.

Whatever the weather, our expert patrols usually get to you in less than an hour, and typically get you back on the road after 30 minutes of arrival.

You can also add National Recovery just in case we can't repair your vehicle:

  • We'll take you, up to 7 passengers and the vehicle to any UK mainland destination.

So if we can’t complete repairs at the roadside, you can choose to be taken home, to your driving destination or your local garage, regardless of how far this may be.

The Breakdown Cover service is limited to 1 call-out during the insurance policy year.

More information and policy documents


Get a quote
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 offer is also valid for eligible renewing customers through their renewal invitation, who purchased AA Car Insurance via the AA Cars website.

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 99.69% of all car insurance claims from January to December 2023, excluding windscreen claims.

2 New for old cover applies when your car is written off or stolen. The car must be less than 13 months old from the date of first registration, and you must be the first and only registered keeper.

3 Comprehensive cover provides a courtesy car while your car is being repaired at an approved garage.

‡ Based on AA Car Insurance and AA Home Insurance combined customer reviews.

Defaqto 5 Star Rating. AA comprehensive car insurance has been given a 5 Star Rating from Defaqto. Defaqto is a leading financial information, ratings and fintech business, helping consumers, financial institutions and financial advisers make better informed 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: 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.