Car insurance made for you
Silver, Gold and PlatinumChoose from three levels of cover depending on your needs. Each level has different features and benefits.
Breakdown cover for £15
Don't get stranded on a journey. You can add vehicle breakdown cover for just £15 a year.
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
Table to show tiered cover available in Car Insurance
Description
Silver
Gold
Platinum
Silver
Gold
Platinum
Defaqto Rating
4 Stars
5 Stars
5 Stars
4 Stars
5 Stars
5 Stars
Motor Legal Assistance
Optional
Car Hire
Optional
Optional
Motor Accident Plan
Optional
Optional
Excess Protection
Optional
Optional
Optional
Breakdown Cover
Optional
Optional
Optional
EU cover
30 days
90 days
90 days
Personal belongings
Cover up to £50
Cover up to £200
Cover up to £250
Windscreen replacement excess
£150 excess
£100 excess
£75 excess
Windscreen repair excess
£25 excess
£10 excess
No excess
Lost or stolen keys
Cover up to £750
Cover up to £1,000
Cover up to £1,500
Accidental and malicious damage minimum excess – additional excesses can apply for driver age and vehicle type
£200 excess
£150 excess
£100 excess
Breakdown cover from only £15
Our expert patrols can get you back on the road. Add vehicle breakdown cover for just £15 a year.
Enhance your insurance with additional cover
Motor Legal Assistance
Car Hire
Motor Accident Plan
Excess Protection
Breakdown Cover
FAQs
Policy documents
Good to know
* 10% of AA customers pay £237 or less for their car insurance. Based on new business sales from theAA.com, July 2025 to December 2025. Prices based on comprehensive cover only.
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.