We're sorry, Smart Insurance is no longer available
Our car insurance products
The policy documents below relate to our standard car insurance.
If you have AA Silver, Gold or Platinum car insurance, please refer to the policy documents shown when you purchased the policy.
Your AA Silver, Gold or Platinum policy documents are also available in your account, unless you asked for them to be posted.
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:
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:
AA Smart Insurance
Policies purchased between 28 November 2019 and 30 May 2022:
About your contract with AA Insurance Services
Please read this PDF summarising your contract with AA Insurance Services and the services we offer:
Updated November 2023.
Already have an AA Car Insurance policy?
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 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.