★★★★★
Finder expert rating
★★★★★
Customer satisfaction


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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.
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.
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 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.
Product Name | AA Comprehensive | AA Third Party, Fire and Theft |
---|---|---|
Damage to your car | ✓ | ✓ |
Damaged windscreen and window glass | ✓ | |
Fire and theft | ✓ | ✓ |
Personal accident and road rage | ✓ | |
Medical expenses | ✓ | |
Personal belongings | ✓ | |
Liabilities to third parties | ✓ | ✓ |
Using the car abroad | ✓ | ✓ |
Hotel and alternative travel costs | ✓ | |
No claims discount | ✓ | ✓ |
Replacement locks | ✓ | ✓ |
Permanently fitted audio equipment | ✓ | ✓ |
Although The AA does give pretty solid comprehensive cover, there are a few extra options you can add to your policy for even greater peace of mind.
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 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.
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 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.
In our 2020 customer satisfaction awards, The AA car insurance policy got 3 out of 5 stars, with 69% of customers saying they would recommend the service.
On customer review platform Trustpilot, The AA has 1.5 out of 5 stars and a rating of “Bad”, based on more than 600 reviews.
On similar platform, Reviews.io, the company has 3.47 out of 5 stars, based on more than 900 reviews. 61% of customers say they would recommend the service.
Things are better on Feefo, where The AA’s car insurance service has 4.6 out of 5 stars based on more than 11,000 reviews in the last year.
Customers praise the ease of purchase and helpful staff, but some report sub-par customer service and price hikes (updated October 2020).
Car insurance from The AA is particularly attractive to existing AA members. However, with a comprehensive level of cover offered 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, 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 insurers to find the best one for you.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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