Excess Protection optional cover

Excess Protection

Extend your car insurance with Excess Protection cover

What claims are not covered

  • Where the total cost of the claim is less than the excess payable on the car insurance policy
  • Where you haven't been left out of pocket. For instance, if you were able to recover your policy excess through another insurance policy, eg through Motor Legal Assistance cover
  • Incidents that happen before the start of your policy
  • Claims reported more than 30 days after settlement of a car insurance claim
  • Policy excesses related to: glass (windscreen, sunroof and windows); personal effects; accessories; or audio/visual equipment such as car phones, satnav, CD players and radios


Claim back your excess

Excess Protection cover allows you to claim back your excess on one insurance claim during the 12 months of your car insurance policy for:

  • accidental damage
  • malicious damage
  • theft or attempted theft
  • fire

You can claim back your policy excess on a claim where you're at fault or the other party involved cannot be identified.

Excess Protection is available with Comprehensive or Third Party, Fire & Theft AA Car Insurance.

Excess Protection benefits

  • Covers your full policy excess (voluntary and compulsory excesses combined)
  • Claim your policy excess back on one car insurance claim for each policy year
  • Peace of mind – with Excess Protection you won't be left out-of-pocket if your car's damaged by an unidentified driver.

Get a car insurance quote

Get a quote

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). You can check their register or call the FCA on 0800 111 6768.

Excess Protection policy documents

Please read all of the information relating to your policy before you buy Excess Protection cover.

Policies starting from 25 November 2015 or renewed from 23 December 2015 onwards

Excess Protection Policy Summary (November 2015)

Excess Protection Policy Wording (November 2015)

Previous policy documents

Please refer to following policy booklets for policies starting or renewed between the dates shown.

1 April 2014 to 24 November 2015 (renewal date 1 April 2014 to 22 December 2015)

Excess Protection Policy Summary (April 2014)

Excess Protection Policy Wording (April 2014)

Can we help?


Call for a quote

0800 316 2456


Existing policy queries

0370 533 2211


Car insurance claims

0800 269 622


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