The AA car insurance review

Our verdict

Our verdict

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
• Some benefits only available to AA members

8.8 Great

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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.

Compare The AA’s car insurance policies

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Courtesy car cover	New car replacement	EU cover	Personal accident cover	Multi-car discount
AA Third party, fire and theft				No		Finder's summary: There are 4 levels of cover. The AA doesn’t offer third party (the legal minimum) on its own, but it does offer third party, fire and theft (TPFT) and 3 comprehensive policies. 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. Who it might be good for: Someone who needs the basics covered.	Compare quotes More info Compare product selection Compare	loading
AA Comprehensive				Up to £5,000 personal accident cover or up to £7,500 for AA members.		Finder's summary: Car insurance from The AA is particularly attractive to existing AA members. However, the comprehensive policy scored highly in our overall policy rating and customers said the service is helpful and efficient. Who it might be good for: Someone who is looking for a top rated comprehensive policy and values a high level of customer satisfaction.	Compare quotes More info Compare product selection Compare	loading

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Who is The AA?

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.

What’s covered under my policy?

Optional extras

Although The AA does give pretty solid comprehensive cover, there are a few optional extras you can add to your policy for even greater peace of mind.

• 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.

• Silver

  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.

• Gold

  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

  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.

• Silver – third party, fire and theft

  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.

The AA car insurance customer reviews

The AA did well in Finder’s 2024 customer satisfaction survey with 80% of customers saying they’d recommend the service.

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

• What age limits are there on The AA car insurance?

  The AA only insures people between the ages of 18 and 99.

• Can I get insurance that starts immediately?

  Yes. If you get your policy by phone, immediate cover is available.

• How long is a quote from The AA valid for?

  Once you are quoted a price, this will still be available to you for 60 days.

• Can I pay in monthly instalments?

  Yes, The AA does offer monthly instalments as long as you can make an initial payment.

• Can vehicles be added temporarily?

  Usually you can temporarily add vehicles to your insurance by calling 0370 533 2211 and asking for temporary additional vehicle (TAV) insurance.

• How do I check my AA car insurance expiry date?

  You can check your expiry date and other policy details by logging in to your online account.

Written by

Danny Butler

Publisher

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Danny was 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

Danny's expertise

Danny has written 292 Finder guides across topics including:

• Car, home and business insurance
• Helping people save money on their insurance
• Project management
• Giving valuable insights to website visitors

Co-written by

Jason Loewenthal

Senior writer

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