If you’re already a breakdown service customer of The AA’s, you’ll get a 5% discount as a new motorbike insurance customer. Read our review to find out more about this insurance broker.
The Automobile Association or “The AA”, as it’s widely known, is the UK’s largest motoring organisation. It’s been around since 1905, when its duties were to make motorists in London aware of dangers on the road through the use of road signs, and to help anyone whose car had broken down.
In 1967 it started branching out into insurance and now covers a range of drivers and their vehicles including cars, vans, caravans and motorbikes, as a broker.
As well as working with a panel of insurers, the company offers AA-branded motorbike cover. AA Motorcycle Insurance is provided by Europa Group Ltd trading as AA Motorcycle Insurance Services. Europa Group Ltd is authorised and regulated by the Financial Conduct Authority.
The AA offers the three standard types of motorbike cover but these policies can be customised to suit you.
The legal minimum level of cover required in the UK, third party protects you if your motorbike is involved in an accident and ends up damaging another vehicle (and it covers any injuries to someone else). What it won’t cover is the costs related to repairing your bike or medical bills relating to personal injuries.
You’ll get protection if you’re in an accident that damages or injures a third party and their property, and you’ll have cover if your bike is destroyed by fire or even stolen. Be aware that although this provides slightly more cover, you still won’t have any protection for damage to your bike or personal injuries after an accident.
You’ll get the most cover with this. It provides the same protection as third party fire and theft but it will cover your bike if it’s damaged after an accident, provide money for a new bike if yours is declared a write off and cover you for any personal injuries. It’s always worth checking the cost of comprehensive as it can be cheaper than TP or TPFT.
| Cover benefits | Third party | Third party, fire and theft | Comprehensive |
|---|---|---|---|
| Liability to other people | ✓ | ✓ | ✓ |
| Fire and theft | – | ✓ | ✓ |
| Accidental damage | – | – | ✓ |
Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover through The AA.
Check your policy details carefully to ensure you have the right cover for your needs.
AA Motorcycle Insurance Services offers a range of optional extras to provide increased protection in certain areas. Some of the additional cover options to bolt onto The AA motorbike insurance are:
Any motorbike cover offered by The AA is likely to become invalid if any of the following arises:
Check your policy for further details to confirm your cover is valid.
Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess. A compulsory excess amount might vary depending on the age of your motorbike and your riding experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
Call The AA 24-hour claims line on 0800 269 622 to register a claim.
You will need to provide your policy details, personal contact details and information relating to the incident and claim.
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
Being a member of The AA before you take out motorbike insurance through the company can get you a discount on your first policy.
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