The Independent’s journalism is supported by our readers. When you purchase through links on our site, we may earn commission. Why trust us?

AA car insurance review

Want cheap car insurance? Compare quotes from over 160 providers
In partnership with

Known for its roadside assistance, the AA (or Automobile Association) has been around since 1905, and now has over 14 million members.

Alongside its flagship breakdown cover, it acts as a broker for car insurance, as well as home insurance, travel insurance and contents insurance. Since it acts as a broker, your car insurance may be underwritten by another provider that isn’t AA (although AA’s own underwriting service is part of its panel of insurers).

Read on for our AA car insurance review, including what cover it offers, its optional extras, and what customers think of its service.

Compare Car Insurance Quotes
Compare quotes from over 160 providers to find the best deal
GET A QUOTE
In partnership with MoneySuperMarket

What car insurance cover is offered by AA?

The AA offers two main levels of cover: third party, fire and theft, and comprehensive.

Third party, fire and theft

With an AA third party, fire and theft policy, you will be covered for the following:

  • Injuries to other people: if you injure or kill someone in a car accident, AA will deal with the costs
  • Damage to other people’s property: AA will cover claims up to £20 million, as well as £5 million for legal costs and expenses
  • Fire damage: if your car is damaged by a fire, lightning or an explosion, you can claim up to the market value of your vehicle
  • Theft: if you car is stolen, or damaged in an attempted theft, you can claim up to the market value of your vehicle
  • New car replacement: if you have a new car that is stolen and not recovered, or damaged by fire to the extent that repairs will cost more than 60 per cent of the vehicle’s UK list price, AA will provide you with a like-for-like replacement
  • Manufacturer-fitted in-car equipment: if any in-car equipment that was fitted when the vehicle was made is stolen or damaged by a fire, you can make a claim
  • Aftermarket in-car equipment: if any in-car equipment that was fitted after the vehicle was made is stolen or damaged by a fire, you can claim up to £750 (or £1,000 as an AA member)
  • Replacement locks and keys: you can claim up to £1,000 if your keys are stolen or damaged in a fire
  • Child car seat cover: if you have a child car seat, and your vehicle is stolen or damaged in a fire, you can get the seat replaced
  • Onward travel: if you are unable to continue your journey due to an insured event, you can claim up to £300 (or £500 for AA members) for travelling expenses or one night’s hotel accommodation
  • Driving other cars: if you are eligible, you can drive other cars with third party only cover
  • Driving abroad: you will receive the minimum level of cover required to drive in the European Union (EU), and a selection of other European countries, for up to 90 days

Comprehensive

With AA comprehensive car insurance, your cover will include everything found in the third party, fire and theft policy, as well as:

  • Accidental damage to your vehicle: if your car is damaged in an accident, you can claim up to its market value
  • New car replacement: as well as fire damage and theft, you can get a like-for-like replacement for a new car under 13 months old that has been in an accident where repairs will cost more than 60 per cent of its list value
  • Manufacturer-fitted in-car equipment: you can claim for in-car equipment fitted when the car was made in the event of an accident, fire damage or theft
  • Aftermarket in-car equipment: you can claim for in-car equipment fitted after the car was made in the event of an accident, fire damage or theft, up to £750 (or £1,000 for AA members)
  • Replacement locks and keys: you can claim up to £1,000 for ignition devices that are stolen or damaged in an accident or fire
  • Child car seat cover: your child car seat cover will extend to accidents, as well as fire damage and theft
  • Personal belongings: you can claim up to £250 (or £500 for AA members) for personal belongings lost or damaged due to an insured event
  • Damage to trailers: you can claim up to £500 for damage to a single-axle trailer
  • Medical expenses: you can claim up to £400 per injured person (or £500 for AA members) in the event of an accident
  • Personal accident cover: you and your partner can claim up to £5,000 in personal accident cover (or £7,500 for AA members)
  • Uninsured driver promise: if you’re in an accident that isn’t your fault, and the other driver isn’t insured, you won’t have to pay your excess, and your no-claims bonus won’t be affected

AA Silver, Gold and Platinum car insurance

Alongside its standard third party, fire and theft and comprehensive car insurance, AA offers three levels of cover exclusively through price comparison websites: Silver, Gold and Platinum. 

Each level will offer more cover and benefits than the last, but will also cost more per year.

Other AA car insurance policies

Alongside the policies mentioned above, AA also offers:

  • Electric car insurance: with AA electric car insurance, you can get cover for your battery and charging equipment, as well as liability insurance if someone has an accident tripping over your charging cables 
  • Short-term car insurance: AA’s temporary car insurance offers instant cover lasting from one to 28 days
  • Learner driver insurance: AA offers both short-term learner driver insurance, lasting between 28 days and 24 weeks, alongside annual learner driver cover

AA car insurance policies at a glance

Third party, fire and theft Comprehensive
Age range All All
Level of cover Third party, fire and theft Comprehensive
Injuries to other people Yes Yes
Damage to other people’s property Yes Yes
Theft Yes Yes
Fire damage Yes Yes
Repairs to your own car following accident No Yes
Motor legal protection Optional Optional
Your medical expenses No Up to £400 per injured person in medical expenses (£500 for AA members); up to £5,000 in personal accident cover (£7,500 for AA members)
Driving other cars Yes (if eligible, third party only) Yes (if eligible, third party only)
Breakdown cover Optional Optional
Courtesy car cover No Yes
Hire car cover Optional Optional
Windscreen replacement No Yes
Personal belongings No Up to £250 (£500 for AA members)
Replacement locks and keys Up to £1,000 (fire and theft only) Up to £1,000
Protected no-claims bonus Optional Optional
Cancellation fee £0 (within 14-day cooling off period, but AA will keep £28 arrangement fee); £30 (after 14 days, AA will also keep £28 arrangement fee) £0 (within 14-day cooling off period, but AA will keep £28 arrangement fee); £30 (after 14 days, AA will also keep £28 arrangement fee)

AA car insurance optional extras

With AA’s car insurance policies, you can add the following optional extras:

  • Breakdown cover: starting from £15 a year, you can add Roadside and National Recovery breakdown cover to your car insurance policy
  • Motor legal assistance: you can get up to £100,000 in legal assistance to help claim compensation from an accident that wasn’t your fault with AA’s motor legal protection
  • Hire car cover: you can upgrade your standard courtesy car insurance to hire car cover that will provide you with a temporary vehicle that is the same size as your own (up to a 2.0 litre engine)
  • Motor accident plan: this includes up to £100,000 in additional personal accident cover, as well as up top £750 for physiotherapy sessions following a car accident, and up to £250 for stress or trauma counselling
  • Excess protection: with this add-on, you can claim back your excess when you’re at fault
  • Protected no-claims discount: this add-on will normally allow you to have up to two non-recoverable claims in a three to five-year period without it affecting your no-claims bonus

How to claim with AA car insurance

If you need to make a car insurance claim through AA, you should complete the following steps:

  • Make sure everyone is safe: this includes you, your passengers, and any other third parties involved
  • Exchange details: if a third party was involved in the incident, you’ll need to exchange details, including your registration number and insurance policy number
  • Take photos: you should also take photos of any damage, and make a note of relevant details such as the location, time of day, and weather conditions
  • Contact AA as soon as possible: even if you don’t intend to make a claim, you should let your provider know about the incident as soon as you can. You can call AA on 0330 053 0322, report the incident online, or via its mobile app
  • AA will arrange the next steps: once you’ve informed AA about what kind of claim you’d like to make, the provider will let you know the next steps, whether that’s arranging for repairs, or sending out a recovery vehicle

How to cancel AA car insurance

If you want to cancel your AA car insurance, you will need to ring the provider on 0370 160 0138, or write to:

AA Insurance Services Limited
Q3 Quorum Business Park
Newcastle Upon Tyne
NE12 8EX

You will either receive a full refund of your premium (if you’re cancelling within 14 days), or a partial refund of the time left on the policy (after 14 days, and as long as you haven’t made a claim). 

Depending on when you cancel your AA car insurance, you’ll pay the following fees:

Cancellation period Fee
Within 14 days of purchase date, but before policy starts £0 (AA will also refund £28 arrangement fee)
Within 14 days of your policy start date £0 (but AA will keep £28 arrangement fee)
After 14 days, or if AA needs to cancel your policy £30 (AA will also keep £28 arrangement fee)

How to contact AA car insurance

If you need to contact AA about anything that isn’t related to a claim, you can do so by:

  • Live chat
  • Phone: 0370 533 2211 (8am to 7pm Monday to Friday; 9am to 5pm Saturdays; closed on Sundays)

If you want to make a complaint, meanwhile, you can:

  • Phone or text: 0344 209 0556 or 0161 333 5910
  • Email: insurance.complaints@theaa.com
  • Write: Member Relations, The Automobile Association, Park Square, Birdhall Lane, Cheadle, SK3 0XN

AA car insurance customer reviews

AA has an ‘Excellent’ Trustpilot rating of 4.3 out of five, based on more than 21,400 reviews. 

It is important to note, however, that these reviews are for AA as a whole, and not just its car insurance services.

Of its five-star reviews that mention car insurance, AA is praised for its claims process, and the value of its cover as a new customer. 

However, there are the familiar complaints about significant jumps in renewal quotes from existing customers, and some issues with the speed of insurance confirmation.

icons8-review-96

“I had a car accident which resulted in damage to the car’s paintwork. The person I first spoke to at AA insurance was very helpful. The first repair garage they notified asked for photos of the damage but then I didn’t hear anything further for three weeks. The AA then let me know they were transferring me to another repair garage because of this inaction. The second repairers couldn’t have been more helpful and my car is now back and looking great.”

 

“With the ever increasing rise in the cost of living I was mortified to find that my car insurance had doubled. This despite no change in my situation over the last year. My current insurer was unable or unwilling to provide a more competitive quote. The AA was able to provide me with the cheapest quote albeit with the same cover provision. The online process of signing up was user friendly and pain free. Big thanks to the AA for their service.”

 

“Have been using the AA for my car insurance for many years. I have nine years [of] no-claims [bonus]. Received my renewal quote and it had doubled. Called and spoke to a very friendly lady who got the price down but not nearly enough. I have now changed to another company for my car insurance. It’s a shame that loyal customers aren’t rewarded but new customers can get cheaper quotes, as I’ve always found the AA to be a great company.”

What Defaqto rating does AA car insurance have?

Alongside an ‘Excellent’ Trustpilot score, AA has the following ratings from Defaqto:

  • Third party, fire and theft: ★★★ (both members and non-members)
  • Silver third party, fire and theft: ★★★★ (both members and non-members)
  • Comprehensive: ★★★★★ (both members and non-members)
  • Silver comprehensive: ★★★★ (both members and non-members)
  • Gold comprehensive: ★★★★★ (both members and non-members)
  • Platinum comprehensive: ★★★★★ (both members and non-members)

How does AA compare to its competitors?

Provider name Trustpilot score Defaqto score
AA 4.3 stars 5 stars (4 stars for Silver third party, fire and theft and comprehensive, and 3 stars for third party, fire and theft)
Direct Line 3.7 stars 5 stars (3 stars for Third party, fire and theft and Essentials)
People’s Choice 1.4 stars 5 stars (4 stars for third party, fire and theft)
Hastings Direct 4.1 stars 5 stars (4 stars for Third party, fire and theft, 3 stars for Telematics, 2 stars for Essential)
Admiral Insurance 4.4 stars 5 stars (4 stars for Telematics, 3 stars for Essential)
Aviva 4.0 stars 5 stars (3 stars for Third party, fire and theft)
AXA 4.3 stars 4 stars (5 stars for Plus)
LV= 4.5 stars 5 stars (3 stars for Third party, fire and theft)
esure 3.1 stars 5 stars (4 stars for Third party, fire and theft)
Ageas 4.1 stars 5 stars (3 stars for Essentials, and Telematics)
NFU Mutual 4.4 stars 5 stars

Conclusion

Thanks to its ‘Excellent’ Trustpilot score, positive praise for its claims process, and a raft of five-star reviews from Defaqto, AA is a good option for car insurance.

It is especially worth considering if you are already an AA member, as you will have more generous claims limits in a number of circumstances. 

There is also a wide range of cover options to choose from, if only when you get a quote via a price comparison website.  

A lack of vandalism promise – where your no-claims bonus is unaffected by acts of vandalism you report to the police – is a point of departure from other, similarly prominent providers. It also has a low personal accident cover limit, even when you’re an AA member, unless you purchase its motor accident plan add-on.

Frequently asked questions about AA car insurance

Thanks to numerous five-star ratings from Defaqto for its comprehensive cover, and an ‘Excellent’ Trustpilot score, AA is a good option for car insurance.

It does, however, lack certain features found in similar policies elsewhere, such as a vandalism promise, and a £10,000 limit for its personal accident cover.

Since the AA is a car insurance broker, its cover is underwritten by a number of different companies, including its own AA Underwriting Insurance Company Limited, alongside ABC/Highway, Acromas, Ageas, Allianz, AXA, CIS General Insurance, Covea, Premier Underwriting Limited, Zenith Insurance and Zurich Insurance.

Connor Campbell

Finance Writer

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet, Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror, the Daily Express and Business Insider

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian, BBC, Reuters and the Evening Standard

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

Molly Dyson

Editor

After growing up with a passion for writing, Molly studied journalism and creative writing at university in her home country of the United States.

She has written for a variety of print and online publications, from small town newspapers to international magazines. Most of her 10-year career since relocating to the UK has been spent in business journalism, writing and editing for admin professionals at PA Life magazine and business travel managers at Business Travel News Europe and representing those titles at conferences around the world.

Now an Editor at the Independent Advisor, Molly is an expert in a broad range of consumer topics, that include solar panels and renewables, home improvements and home insurance, and consumer technology such as home security and VPNs.

In her free time, Molly can usually be found exploring the outdoors with her husband and their young son or gardening.