Renew your car insurance

Renewing your policy

We're ready to help with your renewal

  • Got a question?

    If you're not sure about something or have a question about your renewal check below.

  • You can chat now

    Our chat renewal team are happy to help when the call centre is open – look for their pop-up below.

    It'll help us if you have your policy number to hand.

  • Or you can call us

    To renew or discuss your car insurance, call us on 0330 053 0239.

    You can find our call centre times below.

How to renew your car insurance

Receiving your renewal invite

We send your renewal invite around 28 days before your renewal date.

If you've opted to receive your renewal documents by email, they should arrive on the same day your invite is sent. Remember to check your junk folder too.

Documents sent by post can take 5 to 7 days to reach you.

Haven't received your invite?

Chat to us to make sure it's on its way.

Renewing online

Our online renewal service is available to some of our customers who pay annually by card. We're rolling it out to customers in stages, and your renewal invite will confirm if you can renew online.

To renew and pay online, log in to your account and have your policy documents to hand. Before you begin, check the cover still meets your needs and your personal details are correct.

You can renew online from the day you receive your renewal invite until your cover expires.

Trouble logging in?

Chat to us or call us on 0330 102 8005 if you can't log into your account.

Need to make a change?

You won't be able to renew online if you need to make a change to your policy or personal details. Call us on 0330 053 0239 and we'll be happy to help.

If you call to make a change to your policy but aren't ready to renew on the call, you can still renew online later – for the revised price confirmed on the phone. To see the new quote, you'll need to refresh the page or log in again.

Confirmation of your renewal

When you've renewed your policy, you'll receive email confirmation within 24 hours, or if you chose to have your documents sent by post, they should arrive within 5 to 7 days.

If you still haven't received an email or your documents in the post, contact us via chat or call us on 0330 053 0239 to check your policy is active and you're covered to drive.

Automatic renewal

Opt in to automatic renewal

Automatically renewing your policy gives you the reassurance of continuous cover. You can opt in to automatic renewal any time after purchasing your policy.

We'll send details of your renewal before your policy expires, and you'll have plenty of time to contact us if you want to make a change.

To choose automatic renewal, call us on 0330 053 0239.

Opt out of automatic renewal

You can also opt out of automatic renewal any time after purchase.

Either fill in our opt out of automatic renewal form, chat to us, or call us on 0330 053 0239.

If you have a Silver, Gold or Platinum policy, log in to your account and follow the link to 'Manage, view and renew' to opt out.

We'll still send you a renewal invitation when your policy is due to expire, but it won't renew automatically. Don't forget – it's a legal requirement to have car insurance unless your car has been registered as off the road.

Ending your cover at renewal

If you're thinking of ending your cover at renewal, then call us on 0330 053 0239.

If you pay by monthly instalments, your final payment is normally due around the time of your renewal date. If you cancel your Direct Debit before your last payment has been collected, it may impact your cover. Call our instalments team directly on 0344 871 0096 and we'll be happy to help.

Car insurance and breakdown cover

If you bought your car insurance before 30 December 2021, with your breakdown cover as a separate policy, cancelling your insurance won't also cancel your breakdown cover.

If you bought your car insurance from 30 December 2021 onwards, with your breakdown cover as an add-on to your car insurance policy, cancelling your car insurance will also end your breakdown cover. 

If you bought your breakdown cover separately to your car insurance, ending your policy won't cancel your breakdown cover.

If you want to discuss your breakdown renewal, call us on 0343 316 4444.

No claims discount

Your no claims discount is shown on page 3 of your renewal invitation, or it's on your cancellation letter if you cancelled your policy before the renewal date.

Allow 5 to 7 days for your cancellation letter to arrive after you cancelled your policy. We can't issue an official letter as proof of your no claim discount until after your policy has ended. 

Can't find the answer to your question?

If you can't find the answer to your renewal question, use our renewal form for help and we'll get back to you within 5 working days.
Don't use the form if your insurance cover expires in the next 10 days or your query is urgent. Call us for help today.
Good to know

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.

Call us to renew or discuss your car insurance

0330 053 0239

Lines are open Monday to Friday 8am to 7pm, Saturday 9am to 5pm.

Call now