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
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).
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.
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.
TPFT covers other road users, as well as covering your own car against damage from fire or theft.
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.
The AA also has extras to add to your cover starting from £15. Optional extras include:
Although The AA does give pretty solid comprehensive cover, there are a few exclusions. You will not be covered if:
For a full list and explanation of the exclusions, see your insurance policy.
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.
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.
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.
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