Drive without any nighttime restrictions or mileage caps
Get peace of mind with Defaqto 5 Star rated car insurance
Install the telematics device quickly and easily yourself
Drive without any nighttime restrictions or mileage caps
Get peace of mind with Defaqto 5 Star rated car insurance
Install the telematics device quickly and easily yourself
Get a smart policy that's right for you
Plug the device into your car and confirm a few details
You're good to go, just drive as you would normally
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:
We'll provide cover where it is more likely than not your claim will be successful.
You also get:
More information and policy documents
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:
Named drivers on your policy with a full UK driving licence can also use the vehicle.
More information and policy documents
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:
More information and policy documents
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:
See how Motor Accident Plan compares with personal injury cover
More information and policy documents
Would you need help if your car breaks down? The Roadside level of cover provides:
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:
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
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.
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.
You have three types of car insurance to choose from – third party, third party, fire and theft, and comprehensive.
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.
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:
You can also contact us using Relay UK (formerly Next Generation Text).
Policies purchased between 2 March 2021 and 7 December 2021, or renewed between 2 April 2021 and 7 January 2022:
Policies purchased between 28 November 2019 and 30 May 2022:
Additional Terms and Conditions
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.
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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.