AA car insurance

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.