Why insure your car with us?
The right car insurance for you
We offer two types of car insurance, so whether you need comprehensive or third party, fire and theft, we can help.
- With a 5 Star Rating from Defaqto, our comprehensive car insurance provides excellent benefits such as the uninsured driver promise and new for old cover.¹
- Stay on the move after an accident, no matter who's at fault – with comprehensive car insurance you'll get a courtesy car while yours is being repaired.²
- Add extra cover to suit your needs, such as Motor Legal Assistance and Excess Protection.
- And you can get vehicle breakdown cover for only £15.
A car insurance quote takes just a few minutes. We just need some details about you, the vehicle you want to insure, and your driving history, including any no claim discount (NCD) you may have.
Breakdown cover from only £15
Our expert patrols can get you back on the road. Add vehicle breakdown cover for just £15 a year.
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
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:
- Hire vehicle provided by a national car hire network.
- The vehicle will be similar in size to your own car, up to a 2.0 litre engine.
- No limit on claims.
Named drivers on your policy with a full UK driving licence can also use the vehicle.
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:
- Accidental damage
- Malicious damage
- Theft or attempted theft
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.
Would you need help if your car breaks down? The Roadside level of cover provides:
- 24/7 assistance if your vehicle breaks down over 1/4 mile from your home.
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:
- We'll take you, up to 7 passengers and the vehicle to any UK mainland destination.
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.
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.
Not sure about something?
About our car insurance
Your car insurance and coronavirus
You can find the latest information on our Frequently Asked Questions page, or get in touch with us using the online chat option.
Who underwrites AA Car Insurance?
We set up and administer your policy from the insurers on our car insurance panel. The name of the underwriter will be shown on your car insurance quotation.
What ages do you provide insurance for?
We provide cover for drivers who are aged between 18 and 99.
How can a young driver reduce their car insurance premiums?
Insurance can be expensive for young drivers so we have put together some tips on how to reduce car insurance costs. Read our advice page for young drivers.
When is my car insurance due?
If you have insurance with us, you can find out when your car insurance is due for renewal by logging into your account.
If you have insurance through another provider, check your renewal email or letter or call your insurer for your policy details.
Buying your cover
When does my insurance start?
You can buy your insurance up to 60 days before the policy start date.
So when you pay using a debit or credit card, whether online or on the phone, you'll be insured from the chosen start date of the policy.
If you get a car insurance quote online, you can use the reference to retrieve the quote for 28 days, as long as your details are the same. Or if you want to save your quote for longer, up to 60 days, just call our contact centre.
Do AA Members get a discount on car insurance?
When you get a quote online, confirm that you are an AA Member. You could get a discount when you insure your car with us for the first time, and on subsequent renewals if you remain an AA Member.
My car has modifications – will they affect my insurance quote?
If your car has been modified we can give you an online quote for a maximum of two modifications from the following list:
- Alloy Wheels.
- Front Spoiler or Air Dam.
- Locking Wheel Nuts.
- Rear Roof Spoiler.
- Rear Spoiler or Aerofoil.
- Bull Bars.
- Dual Control.
- Hand Controls.
Modifications will affect the quote price, as they present a higher risk than original components.
If your car has more than two modifications, or the modification isn't listed, please call us on 0800 197 7178 – we may still be able to give you a quote.Back to top
About your payment
Can I spread my payment in monthly instalments?
Yes, you can pay by monthly instalments. When you buy your insurance by monthly instalments an initial deposit is paid by card, then the rest of your payment will be made in 11 monthly instalments by Direct Debit.
The dates of the instalments will be shown in the Credit Agreement sent to you by post – it takes about 5 working days to arrive.
Credit will be provided by Automobile Association Insurance Services Limited, and you must be over 18.
How secure is my online payment?
We keep your personal details and your credit or debit card information private and secure when you buy online. We do this by using secure server software that encrypts any information you give us. It takes the characters you enter and converts them into a secret code, which is then securely sent to us.Back to top
My policy documents
How can I access my policy documents online?
Your policy documents can be found in your online account. It's easy to register if you haven't already done so, and you'll see all your AA policies in one handy place.Back to top
Using the car
Am I covered for towing caravans or trailers?
When towing a caravan or trailer, you are covered for the costs you are liable to pay if you cause damage to property, or injury or death to someone.
Your car insurance also covers a single-axle trailer, worth up to £500 and kept in a safe and roadworthy condition, while attached to your car. For example, if you have comprehensive insurance, your trailer will also be covered on a comprehensive basis, which includes accidental damage, fire and theft.
When do I need to select business use?
Select business use when you use your car to travel to various places in connection with your work, such as offices or factories. Business use is not required when you travel to a single permanent place of work.
If I do voluntary work, do I need to select business use?
When you only commute to and from one permanent place of voluntary work, then select 'Social, Domestic, Pleasure & Commuting' for the use of your car.
If you travel to more than one place of voluntary work, our panel of insurers has agreed that 'Social, Domestic, Pleasure & Commuting' is sufficient cover and should be selected.
But if you transport goods or people as part of your voluntary work, then please call 0800 197 7178 for a quote.
Please note, we do not charge an administration fee if you call us to update your policy to show you now do voluntary work.
Our panel of insurers operates under the statement below, issued on the Association of British Insurers website.
"The insurer will insure their policyholders to carry out voluntary driving, that is, the use of a vehicle they own in connection with, or for the benefit of, charities, voluntary organisations, clubs or societies, where payment does not exceed the HMRC mileage rates in force at that time. This does not cover use for hire or reward or vehicles owned by, hired to or lent to the voluntary organisation."
Can I drive other cars?
Yes, our comprehensive policy allows you to drive other vehicles with third-party cover, unless it's specifically excluded by your insurer. If this is excluded, we'll state this when you get a quote. If you've already bought car insurance from us, check your certificate of motor insurance. There are conditions that apply to this benefit, so please view our Car Insurance Policy Booklet for more details.Back to top
Can I drive abroad with my car insurance?
As an AA car insurance policyholder, you can drive anywhere in the EU, and in several other European countries, and get the same level of cover you have in the UK for up to 90 days during the 12 months of your policy.
Depending on your insurer, and for an additional premium, you may be able to extend the 90-day period. You might also get cover for countries that we don't include as standard.
You can find out more on our advice page for driving abroad in Europe.Back to top
The policy excess
What is a policy excess?
An excess is the part of the costs of a claim for loss or damage to your car that you have to pay out of your own pocket. Your insurance will be cheaper if you agree to pay more of these costs yourself. There are two types of policy excess:
Compulsory excess – the insurer will decide how much you'll be asked to pay for each claim before you buy the motor insurance policy. Check that you are comfortable with how much you'll have to pay for each claim before you buy a car insurance policy.
Voluntary excess – the amount you'd be prepared to pay on top of the compulsory amount. The higher you go, the lower your premium.
Can I pay a voluntary excess?
Yes, you can pay a higher voluntary excess for when you make a claim, usually up to £500. Typically, you pay less for your car insurance if you select a higher voluntary excess.Back to top
No claim discount
What is a no claim discount?
A no claim discount is a reward for not making a claim on your motor insurance policy. Each year the discount on your renewal premium increases, reaching a maximum discount after 14 years without a claim.
If you do make a claim, your discount will normally be less at the next renewal if your insurance company cannot get their money back from the person responsible.
Where can I find proof of my no claim discount?
When you get a car insurance quote, we ask how many years no claim discount you already have. This information can be found on the cancellation notice or last renewal invitation from your previous insurer.
In order to validate your policy after purchase, we may ask for proof of the discount you've earned. You can send us a copy of the renewal or cancellation notice, or a letter on headed paper from your previous insurer.
The document must be dated within the past 2 years, and isn't used for another vehicle. Also, please tell us about any gap of more than 30 days between your previous and the new AA policy, including claims or convictions.
You can either email or send the document to us:
AA PO Box 2AA, Newcastle upon Tyne NE99 2AA
The document should show:
- Your name and address
- The previous insurance policy number and expiry date
- The vehicle registration number
- Number of years no claim discount
On receipt we'll acknowledge the proof of your no claim discount. If we do need further information, we'll allow you sufficient time to provide it. Meanwhile, your AA car insurance policy remains active.
If you already have car insurance with us, the number of years no claim discount is on your certificate of insurance. You'll have received a copy at purchase or renewal, either by post or in your online account. If you need a replacement certificate of insurance, please call us on 0370 533 2211.
Can I protect my no claim discount?
Yes, you can pay an additional premium to protect your no claim discount. Depending on your insurer, you can usually make two 'fault' claims in a 3- or 5-year period without affecting your no claim discount.
What is the AA Uninsured Driver Promise?
If you make a claim following an accident that is not your fault, and the driver of the other vehicle is not insured, you won't lose your no claim discount or have to pay any excess.
We just ask you to tell us the other vehicle's make, model and valid registration number, so that we can identify the driver of the other vehicle.
Can a named driver earn a no claim discount on my policy?
Yes they can. Named drivers over 25 can earn their own no claim discount to use on a policy with us. See our page about named drivers.Back to top
What is a Thatcham security device?
The Motor Insurance Repair Research Centre tests car security products for insurers. It's better known as 'Thatcham' after the Berkshire town where it's based. Most insurers like these products and give you discounts if you get them for your car.
What is a tracking device?
The police can track a stolen car with an electronic signal sent by this bit of kit hidden in the car. Most cars that have this are found after they are stolen. You can pay up to 10% less for your motor insurance if your car has a tracking device.Back to top
Making a claim
How do I make a car insurance claim?
Call our 24-hour claim line 0330 053 0322.
Before you call, please see how to make a motor insurance claim.
Is a courtesy car included on my policy?
Yes, a courtesy car is available with comprehensive cover. Following an accident, you'll get a courtesy car while yours is being repaired at an approved garage.
Is windscreen cover included on my policy?
If you have comprehensive cover, then windscreen cover is included. We cover the windscreen, sunroof and the remaining windows. And your no claims discount is not affected by a windscreen claim.
A windscreen replacement is subject to the applicable excess, but there is no excess to pay on a windscreen repair.
You can check your windscreen replacement excess when you get a quote online. On the quote page a summary of your details includes a link to 'Excess details / policy terms'.
How can I get my windscreen repaired?
To make a glass claim and arrange a repair, you'll need to:
Please have your details ready, including the policy number, start date and insurer. You can find them all on your Statement of Insurance.Back to top
Changing your cover
What information is needed to advise a change of vehicle?
Please call 0800 316 1193 and select option 1 to make any change to your policy.
If you have changed your vehicle, we'll need the same type of details as you provided for the previous model, such as registration number, market value and any modifications.
Can vehicles be added temporarily?
Usually yes – call us on 0800 316 1193 and ask to add a temporary additional vehicle (TAV). We'll need to know all the details of the model.
Allowing a TAV is subject to the current insurer accepting the risk. Test drives are not covered.
You can add a TAV from 1 day to 4 weeks, and a cover note will be issued.
We cannot offer insurance where a policy is already in place for the vehicle.Back to top
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 1 December 2022.
Already have an AA Car Insurance policy?
Information and policy documents for additional extras
Good to know
* 10% of AA customers pay £165 or less for their car insurance. Survey of new business sales from theAA.com, September 2022 to November 2022. Prices based on comprehensive cover only.
1 New for old cover applies when your car is written off or stolen. The car must be less than 13 months old from the date of first registration, and you must be the first and only registered keeper.
2 Comprehensive cover provides a courtesy car while your car is being repaired at an approved garage.
‡ Based on AA Car Insurance and AA Home Insurance combined customer reviews.
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.