The AA motorbike insurance review
You may know The AA for its breakdown cover but did you know it can source motorbike insurance? You'll get the usual levels of cover with this broker and the option of some added extras. Here's our analysis of the AA's motorbike insurance.
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.
Who is The AA?
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.
What are The AA’s levels of cover?
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.
Third party, fire and theft
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.
What is covered under my motorbike policy with The AA?
|Cover benefits||Third party||Third party, fire and theft||Comprehensive|
|Liability to other people||✓||✓||✓|
|Fire and theft||–||✓||✓|
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:
- Legal expenses cover
- Helmet and leathers cover
- Personal accident cover
- Bike hire plus
- Excess protection
- Key cover
Any motorbike cover offered by The AA is likely to become invalid if any of the following arises:
- You change the use of your motorbike from its original use. For example, changing from social, domestic and pleasure to business use.
- Your motorbike is being used by an unnamed rider on your policy or by a person that does not have a valid motorcycle licence.
- You use your motorbike at rallies, races or competitions.
- You fail to pay for your premium.
- You change your motorbike during the policy term to a motorbike that the insurer cannot cover.
- You do not provide the correct documents to support your application.
Check your policy for further details to confirm your cover is valid.
How to save on your motorbike insurance policy through The AA
- AA membership – Become a member of The AA to see discounts in other areas (see below).
- Increasing security – If your motorbike is not currently fitted with an alarm, think about adding one to reduce your premium.
- Having a secure location to park your motorbike – Motorbikes kept in a garage or on a secure driveway are usually cheaper to insure.
- Reduce mileage – If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
- Fewer riders – Only add riders to your policy that regularly ride your motorbike.
- Ride safely – Safer drivers spend less on motorbike insurance – a history of speeding tickets or claims against your insurance will increase the cost.
- Larger excess – Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
What is my excess?
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.
What is the claims process for The AA?
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.
Membership benefits with The AA
Being a member of The AA before you take out motorbike insurance through the company can get you a discount on your first policy.