AA car insurance review

  • 5 star Defaqto rated
  • Extra policy features for AA members
  • Free courtesy car
  • Free breakdown cover for first year

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AA car insurance

AA car insurance products

The AA are better known for their breakdown and roadside recovery service, but has branched out into other areas over the years and now offer car insurance and driving lessons as well as other products and services such as loans, savings accounts and travel insurance.

In terms of car insurance, the AA offer the standard three levels of cover: Third Party Only, Third Party Fire and Theft and Comprehensive. Unlike other car insurance companies though, the AA extend their policy features to motorists who are members of their recovery service – making it a much more attractive offering for those who already have an AA membership.

Third Party Only (TPO) will cover you for all liabilities to third parties i.e. any damage you cause to other vehicles/property or injuries you cause.

Third Party, Fire and Theft (TPFT) goes a bit further and also provides cover if your vehicle is damaged by fire or is stolen. An AA policy also provides cover up to £1,000 for replacement locks and keys, and replacement child car seats, if the damage or loss is caused by fire or theft.

The top level of cover is the comprehensive option, which also offers:

  • Accidental damage (if you damage your car yourself, with no third party involved)
  • Free courtesy car while your car is being repaired by an approved mechanic
  • Replacement locks and keys
  • Replacement child car seats
  • Windscreen repair without affecting your no claims discount
  • Up to £250 for personal belongings inside the car (£500 for AA members)
  • Personal injury cover up to £5,000 (£7,500 for AA members)
  • Medical expenses up to £400 per person (£500 for AA members)
  • Overnight accommodation and onward travel expenses of up to £300 per person (a maximum of £500 for everyone in the vehicle)

A comprehensive car insurance policy from the AA also comes with their uninsured driver promise, which means that your no claims bonus will not be affected if you are involved in an accident with an uninsured driver. It also guarantees that you will not have to pay your excess in the event of being hit by an uninsured driver.

Another benefit of going with the AA is that, regardless of what level of cover you opt for, you can begin building up your no claims discount straight away. You also get up to 90 days of cover across all EU countries.

If you want to learn more about third party and comprehensive cover, read our guide: What does ‘third party’ and ‘comprehensive’ car insurance actually mean?

AA car insurance optional extras

As well as the standard cover options, the AA also offers some optional extras for policyholders who would like additional peace of mind.

These extras include: Motor legal assistance, Excess protection and Motor accident plan…

Motor Legal Assistance

This helps to make sure you are not left out-of-pocket for any expenses that are not insured by your policy, if you are hit by a third party. The legal assistance can help you recover uninsured losses such as:

  • Car insurance policy excess
  • Alternative transport costs
  • Loss of earnings
  • Compensation for a personal injury

As well as this, the AA also guarantees:

  • 24/7 legal helpline for advice on legal matters
  • Two hours free driving tuition with an AA driving instructor to help you regain your confidence if you are involved in an accident
  • A wide range of legal documents to help you with all the legal aspects of motoring e.g. making a complaint to a garage about poor quality work etc.

Excess protection

This means you can claim back your policy excess if you were at fault for the accident, or if the other party involved cannot be identified.

The excess can be claimed back for:

  • Accidental damage
  • Malicious damage/vandalism
  • Theft or attempted theft
  • Fire

Motor Accident Plan

The AA’s Motor Accident Plan pays out up to £60,000 if you are injured or die because of a car accident.

The additional plan is a significant upgrade on the personal injury cover that is part of the standard AA comprehensive car insurance policy, and includes:

  • Up to an additional £60,000 on top of any payment provided by your AA car insurance policy, or any other personal accident and life insurance cover (up to £40,000 for named drivers)
  • Cover for a wider range of injuries including fractures, burns and facial scarring
  • £60 cash payment for every 24 hours spent in hospital following a car accident (£40 for named drivers)

How much does AA car insurance cost?

As with all car insurance companies, the amount you pay for a premium from AA will depend on a host of different factors, including:

  • Your age
  • History of no claims
  • Make and model of your car
  • Your address
  • Where you park the car at home (on the road, driveway, garage etc…)
  • What you use the car for (commuting, driving for work etc…)
  • Annual mileage

As the AA also offer extra benefits to existing members, not just the cost but the actual value of their insurance policies differ from driver to driver.

AA customer reviews

See below for the latest ratings for AA car insurance from the online customer review company’s…

Review company Rating (out of 5)
Trust Pilot 3
Reviews.co.uk 4
Smart Money People 4
Review Centre 1
Average 3