AA car insurance

Learn more about AA car insurance

AA car insurance logo

Last reviewed 19 July 2021

Why choose AA car insurance?

  • Cover to drive in the EU for up to 90 days
  • Two levels of cover to choose from
  • Access to a 24/7 claim helpline

AA car insurance has become one of the UK’s leading offerings, incorporating some attractive features as standard on the comprehensive policy as well as for its third-party, fire and theft policy cover, including courtesy car cover and insurance to drive in the EU and certain other European countries for up to 90 days.

However, you get more from the AA’s comprehensive policy – while you and your vehicle are insured even for accidents where you are to blame, there’s also additional standard features such as uninsured driver promise, which means you will not pay an excess or lose your no claims discount if your car is hit by an uninsured driver.

Whether you opt for the AA’s comprehensive policy or third party, fire and theft cover, you get access to a 24/7 claim helpline.

Compare car insurance quotes from up to 120 insurance companies

Who is The AA?

The AA or The Automobile Association first began in 1905 when a group of motorists came together to warn other drivers about speed traps. From humble origins, the AA has grown over the years, from just 90 members to some 14 million today.

Breakdown cover has been AA’s number one priority for some time, providing members with 24/7 roadside assistance and national recovery – its rescue vans have long been an instantly recognisable feature of the UK road landscape. The AA is now a FTSE 250 company offering a host of other services as well, from driving lessons to credit cards.

Along with car insurance, the AA offers home insurance and cover for a range of other vehicle types. AA’s car insurance won the 2021 feefo Platinum Trusted Service Award in recognition of consistently excellent service and customer experience. The AA operates as a broker, so the underwriter of your AA car insurance policy is provided from a panel of insurers.

AA car insurance policy details

The AA provides two levels of car insurance:

Third party, fire and theft cover from The AA gives you protection for your vehicle against damage caused by fire and theft, in addition to the third-party cover that is the absolute minimum legal requirement to drive on UK roads. The third-party element covers damage to other people’s vehicles and property as well as any injuries they suffer in an accident you are involved in. AA’s third party, fire and theft cover comes with some additional benefits as well.

The AA's third party, fire and theft policy should cover you for:

  • Damage to other people's cars or property
  • Injury to other people
  • Fire and theft damage
  • A courtesy car if your car is written off due to a fire or stolen
  • Emergency treatment, including any fees after an accident to other people involved
  • Car sharing scheme
  • Driving in the EU and certain other European countries for 90 days
  • Garage custody and valet parking cover (excludes accidental damage)
  • No claims discount for claim-free driving
  • Replacement locks and keys - you'll only be covered if they're lost because of fire or theft
  • Replacement child seats if damaged by fire or theft
  • Access to 24/7 claim helpline

Comprehensive cover from The AA gives you everything you get with AA’s third party, fire and theft policy, but also means you and your vehicle are insured even for accidents where you are to blame.

Alongside all the benefits and cover provided by third party, fire and theft cover, AA’s comprehensive policy gives you:

  • Courtesy car while your car is repaired by an approved repairer
  • Uninsured driver promise – you will not pay an excess or lose your no claims discount if your car is hit by an uninsured driver
  • Accidental damage
  • Replacement child seats
  • Replacement of locks and keys - you'll be covered for damaged, lost or stolen car keys as long as they're not left in the car unattended.
  • Windscreen, window and sunroof repairs without losing your no claims discount
  • Personal belongings in your car – up to £250 cover (£500 for AA Members)
  • Damage to trailers – up to £500 cover on single axle trailers
  • Personal injury – up to £5,000 cover (£7,500 for AA Members)
  • Medical expenses – up to £400 per person (£500 for AA Members)
  • Accommodation or onward travel cover if you cannot continue your journey following an accident

AA offers a selection of car insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying car insurance, we recommend you check the cover and benefits included.

Contact The AA

You can contact the AA by phone using the following numbers:

Car insurance - 0800 316 2456

Car insurance claims 24/7 - 0800 269 622

Policy queries - 0370 533 2211

You can also contact them in writing at The Automobile Association, Lambert House, Stockport Road, Cheadle, Cheshire, SK8 2DY

Buy car insurance and choose a freebie with Rewards

Single annual policy. Lidl Plus app required, 18+, geographical exclusions apply. T&Cs apply

Lidl Plus logo £20 to spend
12 free car washes
£20 to spend
£20 to spend