What is AA Car Insurance?

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AA Car Insurance is a well-known car insurance provider in the UK. They give different policies for different drivers. The Automobile Association (AA) has several levels of cover. These include comprehensive, third-party, and special options for electric vehicles. AA holds a market share of 5.9% in the UK, making it a trusted choice for over one million customers. They are famous for their excellent customer service and a claims helpline available 24/7. AA also offers innovative options, like telematics insurance aimed at young drivers. Their policies include features such as an uninsured driver promise. This means drivers are safe even if another driver hits them and they are not insured.

Key Features of AA Car Insurance

  • Coverage Levels: Silver, Gold, and Platinum
  • Standout Feature: Uninsured driver promise
  • Young Driver Options: Telematics insurance, black box technology
  • Claims Process: 24/7 helpline, efficient handling
  • Additional Coverage: Breakdown cover, legal assistance, personal injury
  • EV Insurance: Specialised cover for electric vehicles
  • Market Share: 5.9% in the UK
  • Customer Retention Rate: 75.0%
  • Policy Start Date: Can be chosen when setting up a new policy
  • Claims Discount Protection: Available to protect no-claims discount
  • HMRC Mileage Rates: Included in business use cover options

How Can You Get a Quote for AA Car Insurance?

Getting a car insurance quote for AA is easy with Free Price Compare. Just enter the details about your vehicle, your driving history, and some personal information. This helps you see quotes from AA and other companies. Automobile Association Insurance Services Limited works with many insurers. When you compare with us, you can find claim discounts and special rates just for you. Whether you are looking for insurance for the first time or you have been driving for years, our comparison tool helps you find good rates for different policies. These options include breakdown cover and legal assistance. This way, you can make smart financial decisions and choose the best policy for your needs.

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What Types of Car Insurance Does AA Offer?

AA offers several types of car insurance. You can choose from comprehensive cover or third-party only options. They have three main levels of cover available.

  • Silver: This is the basic level of cover. It covers third-party liability, accidental damage, and provides a promise for uninsured drivers.
  • Gold: This includes everything from Silver. It also has extra benefits like a courtesy car when your car is in for repairs and personal injury cover.
  • Platinum: This is the highest level of cover. It has all the Gold features, plus extra protection for windscreen repair and more accident coverage.

AA Car Insurance Coverage Comparison

Coverage Feature Silver Gold Platinum
Third-Party Cover Yes Yes Yes
Accidental Damage Yes Yes Yes
Uninsured Driver Promise Yes Yes Yes
Windscreen Repair Yes Yes Yes
Personal Injury Cover No Yes Yes
Courtesy Car No Yes Yes

Each level offers choices for drivers. They can pick what suits their needs and what fits their budget.

How Does AA Car Insurance Breakdown Cover Work?

AA car insurance plans can have their well-known breakdown cover. This service helps you when you have an emergency on the road. AA's breakdown cover is available day and night. It covers the costs for roadside repairs and towing services. If you get a new AA policy, you can add the breakdown cover to your plan. This gives you peace of mind for long journeys or daily drives.

AA Car Insurance Breakdown Cover Work

What are the Key Benefits of AA Car Insurance?

AA car insurance is known for offering a good level of features.

  • Uninsured driver promise: If someone without insurance hits you, AA will make sure you keep your claims discount.
  • 24/7 claims process: Their help service is always open to support you in managing car insurance claims fast.
  • Telematics insurance: This is made for young drivers. A black box tracks your driving style and might help reduce your premiums.
  • Comprehensive car insurance: This plan covers many things, such as theft, fire damage, and accidents.
  • Electric vehicle coverage: AA has special plans for electric vehicles, knowing that EV insurance is getting more important.

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How Can You Save Money with AA Car Insurance?

To save money on car insurance, young drivers can pick telematics insurance. This kind of policy uses a GPS tracker to see how you drive. If you drive safely, your monthly payments can be lower. You could also consider paying in monthly instalments instead of all at once. This may make it easier to pay, but be aware it might have extra fees.

If you set a higher voluntary excess, you can further reduce your insurance costs. Keep your proof of claims discount handy. This can help you save even more. AA members can receive additional discounts, which is good for those who already use their services.

What is the AA Multi-Car Insurance Policy?

AA’s multi-car insurance policy helps families insure all their cars with one policy. This can save you a lot of money. Each car has its own level of cover. You can also pick extra options to fit your family’s needs at home. It is easy to add new cars or drivers during the policy year. This makes it a flexible choice for any changes you may want.

How Does the AA No Claims Discount Work?

The no claims discount (NCD) helps you save money on your car insurance. AA rewards you for every year you do not make a claim, and the discount increases based on the number of years you've gone without making a claim. This will lower your insurance costs in the future. If you switch to AA from another company, you need to provide proof of your no claims discount and the number of years from your previous insurer. To protect you, AA offers claims discount protection, allowing you to keep your discount even if you make a claim.

Renew Your AA Car Insurance

How Can You Renew Your AA Car Insurance?

AA makes it easy to renew your car insurance. A renewal invitation will arrive several weeks before your policy start date. You can complete the renewal online or by phone. If you pay by direct debit, the rest of your payment will be taken automatically based on your credit agreement. If you need to change any details, like your vehicle registration or level of cover, you can do this on the AA portal. If you want to switch insurers, remember to cancel your policy and send a cancellation notice on time to avoid penalties.

What is the AA Car Insurance Claims Process?

AA has a great claims process. They have a helpline that is open 24/7. This means you can get help anytime if there is an accident. When you make a claim, you need to show some identity documents. These documents include your driving license and proof of the accident. If you have a comprehensive policy, you may get a courtesy car while they fix your car. If you have an accident with an uninsured driver, AA will make sure you keep your claims discount years.

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How Can You Contact AA Car Insurance for Support?

AA has a special customer service team that helps you with any questions about your policy. You can get support through their online portal, by phone, or by mail. If you need to change your level of cover, report a claim, or ask for policy documents, AA's customer service is there for you. The support team is open from Monday to Saturday. They work hard to answer all questions quickly and effectively.

What Optional Extras are Available with AA Car Insurance?

AA has many optional extras. These can make your car insurance policy better.

  • Breakdown cover: This gives you access to AA's roadside help service.
  • Legal assistance: This helps cover legal fees if there is an accident.
  • Personal injury cover: This provides money if you are injured in an accident.
  • Windscreen repair: This is included in comprehensive cover but can also be added to basic policies.

These add-ons let you make a policy that works for you.

How Does AA Car Insurance Compare to Other Providers?

AA car insurance faces tough competition, especially in customer service and coverage. They retain 75% of their customers, which is better than many rivals, like Aviva, which has a retention rate of 67.9%. Even though AA has a smaller market share of 5.9% compared to larger companies, they focus a lot on customer service. They also provide telematics options and coverage for electric vehicles. AA has a TrustScore of 4.4 out of 5, based on over 29,191 reviews. This shows that they are trustworthy.

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What is the AA Car Insurance Cancellation Policy?

If you want to cancel your AA policy, you have to send a cancellation notice. There might be a fee depending on when you cancel. If you cancel during the cooling-off period, usually within 14 days from the policy start date, you will probably just pay for the days your car was insured. AA will refund the rest of your payment if they can.

Is AA Car Insurance Suitable for Young Drivers?

AA car insurance has special options for young drivers. They offer telematics insurance, which uses a black box to track your driving. If you drive safely, you can save money on your premiums. This is a great choice for first-time drivers who want affordable coverage. AA also provides excellent support for young drivers. This support includes plans for car accidents and offers cheap car security products like GPS trackers. These products can help you lower your premiums.

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Can I Pay My AA Car Insurance in Instalments?

Yes, AA allows customers to pay for their car insurance in monthly instalments. You will find the payment dates of the instalments clearly outlined in your credit agreement. First, you need to make an initial deposit. After that, you can pay the rest over time using a credit card or direct debit for these payments.

Does AA Car Insurance Cover European Countries?

AA offers coverage for driving in European countries through their motor insurance policies. This coverage may have some limits. It is wise to read your car insurance policy booklet. You can also contact AA for further information about what is covered in specific countries.

What Should I Know About AA and Financial Regulations?

AA Insurance is approved and regulated by the Financial Conduct Authority (FCA). This means they follow UK laws for financial products. You can verify this by searching for AA's financial services register number. The company adheres to strict guidelines, ensuring that your choices about car insurance are safe.

What Benefits Do New Customers Get When Comparing AA Car Insurance?

New customers can find special deals by comparing AA car insurance. These deals might offer lower rates, more coverage options, and special offers. If new customers provide proof of a claims discount, they can lower their premiums even more. This allows them to get a quote that best fits their needs.

Why Is Knowing the Name of the Underwriter Important When Selecting a Car Insurance Policy?

Knowing the name of the underwriter for your car insurance is important. This helps you see which financial institutions back your coverage. When you have this information, you can make smarter choices about your insurance providers. It also helps you feel more confident about trusting your policy provider.

How Can HMRC Mileage Rates Affect My Car Insurance Quote?

If you drive your car for work, HMRC mileage rates can affect your insurance. Some insurance policies provide options for business use. This allows drivers to claim mileage as an expense. It's important to choose an insurance policy that fits your needs, so you get the right coverage at a competitive price.

What Options Are Available for Higher-Risk Drivers When Choosing AA Car Insurance?

For drivers considered higher risk due to their past driving history, the type of car they have, or where they live, it can be tough to find affordable insurance. However, companies like AA offer plans designed specifically for higher-risk drivers, making it easier to get competitive rates and proper coverage.

AA Car Insurance in Instalments

Is AA Authorised by the Financial Conduct Authority (FCA)?

Yes, AA is authorised and regulated by the Financial Conduct Authority (FCA). This means AA follows UK rules for insurance providers. Your car insurance policy is backed by a trusted and regulated organisation, giving you confidence and peace of mind in your financial decisions.

Does AA Offer a Motor Accident Plan?

Yes, AA offers a motor accident plan as an add-on to their insurance policies. This plan provides extra support in the event of an accident, helping you with legal fees, personal injuries, and other costs that standard insurance may not cover.

What Are AA’s Customer Support Hours?

AA’s customer support is open Monday to Friday during regular business hours, making it easy to get help when you need it.

FAQs About AA Car Insurance

AA Insurance Services Limited is part of the AA. They offer different types of car insurance options and act as a middleman, partnering with a panel of insurers to provide motor insurance policies. These policies are designed to meet customer needs. You can choose from options like comprehensive coverage, third-party insurance, and telematics insurance.

When you buy or renew AA car insurance, you need to provide important documents. First, you must have a copy of your driving licence. Second, you need proof of the discount if you have a no claims bonus. You will also need a current certificate of insurance from your previous insurer. Sometimes, AA may ask for an identity check to confirm your personal details.

AA will send you a final renewal invitation before your policy ends. This invitation will include your chosen start date of the policy, premium details, and any changes in coverage. You can confirm your renewal by following the instructions provided. If you want to make changes, feel free to contact customer support. Keep a copy of the last renewal invitation for your records.

Third-party insurance is the most basic type of car insurance. It covers damage to other cars and injuries to people if you cause an accident. AA offers third-party coverage along with other options, such as various levels of comprehensive car insurance. These choices depend on your needs and your driving style.

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Page last updated on: 23/10/2024

Page reviewed by: Shay Ramani

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