SMART INSURANCE

We're sorry, Smart Insurance is no longer available

If you're an existing telematics customer and want to talk about your policy, call us 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
Policy documents

The policy booklets contain the terms and conditions of our car insurance, and tell you about the main features and limits of each level of cover.

If you need the policy booklets 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).

Silver, Gold or Platinum car insurance

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

About your contract with AA Insurance Services

Updated December 2023.


Policies purchased or renewed from 30 December 2023:

Car Insurance Policy Booklet

Policies purchased between 1 March 2023 and 29 December 2023:

Car Insurance Policy Booklet


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

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

Standard car insurance

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

About your contract with AA Insurance Services

Updated November 2023.


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:

Information about additional cover


Good to know

Our standard comprehensive car insurance has been given a 5 Star Rating from Defaqto. Defaqto is one of the UK’s most trusted sources of financial product and market intelligence, supporting financial institutions, intermediaries and consumers to make smarter financial 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.

Call now