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Smart Insurance

Welcome to Smart Insurance

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Drive without any nighttime restrictions or mileage caps


Get peace of mind with Defaqto 5 Star rated car insurance

Car dongle

Install the telematics device quickly and easily yourself

If you're an exisiting telematics customer and want to talk about your policy, call us free on 0330 053 0120.

Or if you need standard comprehensive or third party, fire and theft car insurance, we can help.

Smart insurance young women in car

Why insure your car with us?

  • Our insurance has been rated 5 stars by independent financial service Defaqto, their highest rating, so you can have peace of mind that with our cover you’re getting the best possible service.
  • Lines are open 24/7 at our UK contact centre, so you know there’ll always be someone there to help you.
  • If you do have to make a claim, you’ll get a courtesy car or car hire to keep you on the road.
  • With our uninsured driver promise, you’ll keep your no claim discount and pay no excess if an uninsured driver hits your car and it isn't your fault.
  • Keep personal belongings protected too with up to £250 cover for things like your handbag, mobile phone or wallet - or up to £500 if you’re a Member.
  • You can explore your journey data with a simple web portal.
  • When you renew, your quote will be tailored to the way you drive.

How to set up Smart Insurance



Get a smart policy that's right for you

Set up fit


Plug the device into your car and confirm a few details



You're good to go, just drive as you would normally

Increase your cover with optional extras

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

What is car insurance?

Car insurance provides financial protection in the event of an incident which causes damage to your vehicle. Depending on the level of insurance, it may cover the cost if your car is vandalised or stolen.

Many factors are considered when you apply for insurance, including the make and model of your car, your age, where you keep it and whether you have any motoring convictions.

Why do I need car insurance?

Car insurance is required by law, unless you have registered your vehicle as being off the road.

The minimum level of insurance is third party only, which provides cover if you injure other drivers, passengers or pedestrians, or cause damage to someone else's property. Comprehensive cover provides further financial protection in case your car is damaged or stolen.

What types of car insurance are available?

You have three types of car insurance to choose from – third party, third party, fire and theft, and comprehensive.

  • Third party is the minimum cover required by law. It provides cover for injury to others or damage caused to their vehicle or property, but does not provide cover for damage to your vehicle.
  • Third party, fire and theft provides the same cover as third party, while also providing cover in the event of your car being stolen or damaged by fire.
  • Comprehensive is the highest level of insurance available. Cover is provided for injuries to others, theft, vandalism or accidental damage to your car.

To find out more you can read our article on the different types of car insurance or else you can compare our levels of cover.

Policy documents

The Car Insurance Policy Booklet contains the full terms and conditions for AA Car Insurance, and tells you about the main features and limits of the policy.

Policies purchased from 8 December 2021, or renewed from 8 January 2022 onwards:

Car Insurance Policy Booklet

Find out what's insured and what isn't covered in our comprehensive car insurance:

Find out what's insured and what isn't covered in our third party, fire and theft car insurance:

If you need the policy booklet information in large print, audio or Braille, please call us on:

0370 533 2211

You can also contact us using Relay UK (formerly Next Generation Text).

Previous policy booklet

Policies purchased between 2 March 2021 and 7 December 2021, or renewed between 2 April 2021 and 7 January 2022:

Car Insurance Policy Booklet

AA Smart Insurance

Policies purchased between 28 November 2019 and 30 May 2022:

Additional Terms and Conditions

About your contract with AA Insurance Services

Please read this PDF summarising your contract with AA Insurance Services and the services we offer:

About your contract with AA Insurance Services

Updated 1 December 2022.

Already have an AA Car Insurance policy?

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Information and policy documents for additional extras

Good to know

Defaqto 5 Star Rating. AA comprehensive car insurance has been given a 5 Star Rating from Defaqto. Defaqto is an independent financial information business, helping financial institutions, financial advisers and consumers 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.

Smart Insurance enquiries

0330 053 0120

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

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