The AA car insurance review

Find out the key elements of The AA’s car insurance to see if the brand best known for its breakdown service is the right choice for your car cover.

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AA Car Insurance

The AA offers two levels of cover: third party, fire and theft (TPFT) or comprehensive, with added extras like breakdown cover and motor legal assistance. The AA’s comprehensive cover is rated 5 stars by the analysis firm Defaqto, and gets you a courtesy car and more (see below).

AA Car Insurance

The AA Car Insurance

  • 5-star Defaqto-rated
  • Uninsured driver promise
  • Breakdown cover from £15
  • 10% of new AA customers pay £160 or less for their car insurance
  • Earn cashback on your car insurance by getting a quote online
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Compare The AA’s policies

Updated August 24th, 2019
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Up to 90 days
N/A
N/A
Replacement child seats
Up to 90 days
Up to £5,000 personal accident cover or up to £7,500 for AA members.
N/A
New customers get AA Roadside Assistance for a year from just £15, plus discounts on breakdown cover upgrades.

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Who is The AA?

Having been around since 1905, and as the originator of road signs, The AA has become synonymous with cars, and is now a highly rated car insurance broker.

Each policy is underwritten by whichever provider from The AA’s list has the lowest price for you.

What are The AA’s levels of cover?

There are two 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 comprehensive. If you’re a young driver with a car that is perhaps not worth a whole heap of money, you’ll likely go for third party, fire and theft insurance. For some people, this may be cheaper than comprehensive, but it’s always worth checking as there are so many factors involved and comprehensive can work out cheaper.

The AA Third Party, Fire and Theft

TPFT covers other road users, as well as covering your own car against damage from fire or theft.

The AA Comprehensive

This covers all that TPFT includes, as well as insuring your vehicle against accidental damage and vandalism. With The AA, this also gets you a number of perks, like protection from uninsured drivers and a courtesy car whilst your car is in the repair garage.

Optional extras

The AA also has extras to add to your cover starting from £15. Optional extras include:

  • Motor legal insurance
  • Breakdown cover
  • Excess protection

General exclusions

Although The AA does give pretty solid comprehensive cover, there are a few exclusions. You will not be covered if:

  • Your car is being driven with your consent by someone not mentioned on your policy or without the necessary driving permits.
  • The damage results from war, natural disasters, nuclear destruction or civil unrest.
  • Your car is being used for rallies, races or competitions.
  • You are being paid to carry passengers.
  • Damage is done on deregulated highways (like Nurburgring Nordschleife).

For a full list and explanation of the exclusions, see your insurance policy.

How to save on your AA car insurance policy

  • Become a member of The AA (see below).
  • Young drivers can get a Pass Plus from the Driving Standards Agency, which will prove that you are proficient in driving at night and on motorways, and this can get you a discount on your car insurance policy.
  • Safer drivers spend less on car insurance – a history of speeding tickets or claims against your insurance will increase the cost.
  • Having a secure place to store your car – cars kept in a garage or on a secure driveway are usually cheaper to insure.
  • If you retire or swap a long commute for a shorter one, letting your insurer know about a reduction in your mileage can result in cheaper insurance.
  • Agreeing to a larger voluntary excess makes insurance cheaper, but this could cost you in the long run if damage occurs.

What is my excess?

A policy excess is the amount you will have to pay 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.

How do I make a claim?

The AA has a 24-hour claims hotline that you can call to make a claim: 0800 269 622. You’ll need to have your insurance details with you when you make the call.

Membership benefits with The AA

Being 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 whilst 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.

Frequently asked questions


*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

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