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AA Car Insurance

Find out all about The AA's car insurance policies and see what customers think of their service

How good is AA car insurance?

Defaqto rating: 5/5 stars

Independent financial products reviewer Defaqto has given the AA’s car insurance a 5-star rating for the 11th year running.

This is the highest rating Defaqto offers. Defaqto said AA car insurance was ‘excellent product with a comprehensive range of features and benefits’.

Note: Not all Defaqto five-star rated products have the same covers and terms.

Feefo rating: 4.6/5 stars

AA Car Insurance was awarded the Feefo Gold Trusted Service Award 2020 for delivering ‘exceptional experiences, as rated by real customers’ (Feefo).

AA Car Insurance was awarded Feefo rating of 4.6 out of five based on 8992 verified reviews.

About AA insurance

The Automobile Association (AA) was created in June 1905 when four motorists got together to help other drivers avoid speed traps.

Within a month the Motorists' Mutual Association had been renamed The Automobile Association, The AA. Its members helped each other out via teams of cyclists who encouraged each other to drive more safely and avoid punitive penalties.

  • 1912 - The AA was running 950 UK cyclist patrols and by 1914 it had over 80,000 members.

  • 1999 - it was bought by Centrica, the owner of British Gas.

  • 2004 – The AA was sold to private equity firms Permira and CVC which in 2007 merged it with Saga – under the umbrella of Acromas Holdings

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The AA now has over 15 million members and one of the UK's largest motoring organisations. The AA is best known for breakdown cover but it also offers finance, leisure, lifestyle services and car insurance.

  • AA car insurance was launched in 1967

  • Since 2015 motorists have taken out a total of five million policies

  • Insurance features include an uninsured driver promise and new for old cover

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Is AA Car Insurance only available to members?

AA members are those who have signed up to the AA’s Roadside Assistance scheme. You can take out car insurance with the AA without having to join the scheme.

Do AA members get cheaper car insurance quotes?

There are no discounts for being a member of The AA but AA car insurance customers get a discount on the AA’s breakdown cover, Roadside Assistance. 

Customers can pay from £15 a year and will also get discounts on breakdown cover upgrades.

AA Car Insurance also varies the terms of their cover a little, giving members more in some cases. The offer applies to vehicle cover, which means your car is covered in the event of a breakdown, whoever is driving. 

AA Car Insurance policies

AA Car Insurance comprehensive cover

What is AA Car Insurance best for?

  • if you want cheaper AA Roadside Assistance

  • if you prefer to go with a trusted brand

  • options to add on additional personal injury cover

  • new for old cover might appeal if you have just bought a new car

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Can I drive other cars on AA Car Insurance?

AA Car Insurance’s comprehensive policy does allow you to drive other vehicles with third-party cover, unless it's specifically excluded. 

If this is excluded, you will be told this when you get a quote. If you already have car insurance with the AA, check your policy certificate before driving another car.

Buying AA car insurance online

When you get a car insurance quote online you can add these optional extras such as Motor Legal Assistance and Excess Protection.

AA car insurance and driving abroad

AA Car Insurance provides the same cover as would you get in the UK in any EU country for up to 90 days in a year. So as a comprehensive policyholder, you have comprehensive cover when you drive within the EU.

Depending on your insurer and for an additional premium, you may be able to extend the 90-day period and be insured in countries outside the EU. 

AA car insurance in the news

The AA launched a free breakdown service for NHS workers during the Coronavirus (COVID-19) crisis.

Within two weeks of lockdown (April 2020) the insurer offered to help NHS staff who break down on their way to or from work will be able to call for help, whether or not they are an AA member. A dedicated hotline was set up.

Simon Breakwell, AA chief executive officer, said: “We all recognise that everyone across the NHS is doing an absolutely vital job and we want to help them. The last thing they need to worry about right now is a breakdown, so we’re pleased to be able to help them with free recovery to and from work for as long as the current crisis continues. 

“The idea came from numerous suggestions from our people indicating that the NHS are there for us, so we want to be there for them.”

AA Insurance claims news

The AA said Covid-19 lockdown driving insurance rumours are ‘urban myth’.

The AA President joined forces with the Association of British Insurers to reassure drivers that their car insurance was still valid if they used their car for non-essential drips during the Covid-19 lockdown in mid 2020.

AA President Edmund King told the Daily Express that allegations that policies could be axed for using a vehicle during the lockdown were unfounded.

Speaking to The Express, he added: “I did see some of these stories about whether your insurance may be invalidated if it's non-essential. I think that is an urban myth. Insurance companies I’ve spoken to have basically said if you have valid insurance and you're on the road and it's your car, you should be covered. 

“Obviously if you're doing silly things, speeding and reckless driving and stuff like that it could affect your insurance. But if it's a regular journey you should still be covered.”

Complaints data

The Financial Ombudsman Service received 48 complaints about The AA motor insurance in the first half of 2020. To put that in context, 67 firms had 10 or more complaints each and those totalled 4,550 complaints. Nearly 200 firms had fewer than 10 each, sharing just 479 complaints between them.

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