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
Welcome to Smart Insurance
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
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.
Get a smart, competitive 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
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:
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
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 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:
You can also contact us using Relay UK (formerly Next Generation Text).
Policies purchased between 4 September 2019 and 1 March 2021, or renewed between 3 October 2019 and 1 April 2021:
Policies purchased from 28 November 2019 onwards:
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 December 2020.
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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.