Car insurance from The AA is particularly attractive to AA members, as they get discounts on their insurance premiums plus higher cover levels in certain policy areas. However, with its 5-star Defaqto-rated comprehensive policies available to all, including an uninsured driver protection, The AA car insurance is a good option for anyone looking for cover.
Some insurers provide a longer period of EU cover as standard than the AA does, but not all include a courtesy car, so it’s best to weigh up your priorities and not just go for the cheapest option. Get a quote from The AA or compare car insurers to find the best one for you.
Best for: Perks for existing AA members
Pros
Comprehensive cover includes uninsured driver protection and courtesy car
Strong customer ratings in Finder survey and on review sites
EU cover up to 30 days for silver, 90 days for gold and platinum policies
Cons
No third-party only cover available
New for old doesn’t apply to cars over 13 months old
The AA is mostly associated with breakdown cover, but it also provides a solid car insurance policy. We’ve looked at what’s included in the cover, the pros and cons of the policy and the benefits of an AA membership.
The AA is no stranger to the road – the company has been around since 1905 and even helped originate road signs. Definitely a claim to fame!
Since then, the organisation not only became one of the leading providers of breakdown services in the UK, but also launched The AA car insurance offering, followed by other insurance products.
Who underwrites The AA’s car insurance?
The AA offers customers cover through a range of insurers, a bit like a broker. This means the policies will be underwritten by different companies, depending on the option you choose to go with.
Motor legal assistance. If you have an accident that wasn’t your fault, this will cover your legal costs (this is dependent on the guilty party being identified and present to take responsibility). By adding this option to your policy, you also get access to a 24/7 legal helpline for advice.
Excess protection. Gives you the option to claim back your excess for certain claims.
Motor accident plan. This is an upgrade to the personal injury cover already included in The AA’s comprehensive car insurance policy. You get additional benefits, such as a £60,000 payout in the event you are injured or killed in a crash.
Becoming a member of The AA before you take out car insurance with it can get you a discount on your first policy and every policy you take out with The AA while you’re still a member. Members also get the added benefits of higher cover in areas such as personal belongings, added audio equipment, personal accident and more.
What are The AA’s different policies?
There are 4 levels of cover. The AA offers 3 levels of comprehensive – silver, gold and platinum. Its third party, fire and theft policy is also called silver and is available from comparison sites, but it doesn’t offer third party (the legal minimum) on its own.
If you’re a young driver with a car that is not worth a whole heap of money, you may be better off going for third party, fire and theft insurance. This might be cheaper than comprehensive, but it’s always worth checking, as there are so many factors involved and comprehensive can actually work out cheaper in some cases.
The AA’s base level of comprehensive cover has slightly higher excesses than the higher tiers. It also has lower levels of cover for personal belongings and lost or stolen keys, as well as only up to 30 days of cover abroad.
This policy is a midway point of AA’s comprehensive cover, offering more than the silver but not as much as the platinum for some things. It does offer up to 90 days of cover abroad, which is the same as the the platinum cover.
Platinum provides The AA’s highest level of cover so it could be suitable for someone who wants to know they’ll get the most out of their car insurance policy.
This policy provides the legal minimum as well as cover for fire and theft. It also comes with up to 30 days of cover abroad.
How do I make a claim?
You can start a claim online or by calling the 24-hour claims hotline on 0330 053 0322. You’ll need to have your insurance details with you when you make the call.
What is my excess?
A policy excess is the amount you will have to pay out of the total costs incurred from the claim, and will usually be between £100 and £500. You can volunteer to have a higher excess to get cheaper insurance, or a more expensive policy can mean paying less excess, but this will all be arranged when you take out your policy. Whichever option you choose, make sure you can afford both the premiums and paying the excess in case you have an accident.
On customer review platform Trustpilot, The AA’s insurance gets 4.3 out of 5 stars and a rating of “Excellent”, based on more than 25,000 reviews (last updated: May 2024).
How to cancel AA car insurance
To cancel your AA car insurance you need to call 0370 160 0138. If you want to cancel your breakdown cover, the number to call is 0343 316 4444.
Frequently asked questions
The AA only insures people between the ages of 18 and 99.
Yes. If you get your policy by phone, immediate cover is available.
Once you are quoted a price, this will still be available to you for 60 days.
Yes, The AA does offer monthly instalments as long as you can make an initial payment.
Usually you can temporarily add vehicles to your insurance by calling 0370 533 2211 and asking for temporary additional vehicle (TAV) insurance.
You can check your expiry date and other policy details by logging in to your online account.
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Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio
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Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio
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