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
Smart Insurance
Welcome to Smart Insurance
Switch to something smarter
A smarter way to do car insurance
With Smart Insurance, you’ll get more control and the freedom to hit the open road. See if our smart deal is right for you.
Powered by telematics technology, a small plug-in device for your vehicle will monitor your driving performance, so we can give you the best price.
- Install the device quickly and easily, no need to wait for an engineer.
- Drive without mileage caps or being pestered about your driving habits.
- Get a renewal quote tailored to your driving.
To qualify, you must be 19 or older with at least 1 year’s no claim discount. If you see our standard car insurance policy, it means that will be the best price for you.
Just get a quote from us as normal and if Smart Insurance is right for you we’ll show you the details of that policy.
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
1
Buy
Get a smart policy that's right for you
2
Install
Plug the device into your car and confirm a few details
3
Drive
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
Excess protection
Claim back your policy excess on a claim where you're at fault or the other party involved cannot 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
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 2 March 2021, or renewed from 2 April 2021 onwards:
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 booklets
Policies purchased between 4 September 2019 and 1 March 2021, or renewed between 3 October 2019 and 1 April 2021:
AA Smart Insurance
Policies purchased from 28 November 2019 onwards:
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 June 2021.
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. For the 12th year running, 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
0800 197 3154
