Read expert review of the AA’s car insurance. Find out how we rate the AA’s car insurance policy against 33 other providers.
The AA started in 1905 as a small group of motoring enthusiasts who came together to warn other drivers about speed traps.
It has since grown to include over 15 million members and offers a variety of financial products such as roadside cover, home insurance, travel insurance and credit cards.
The AA’s car insurance policy is underwritten by AA underwriting, Acromas, Ageas, ABC/Highway, Aviva, Allianz, CIS, Covea, Premier, Zenith, Zurich, AXA and LV.
What does The AA’s car insurance cover?
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Courtesy car
Provides the policyholder with a car to use while repairs are carried out on their vehicle as part of a claim.
✓ Personal accident
Covers the policyholder and passengers if they are injured in an accident.
✓ Stolen keys cover
Covers the cost of replacing keys and locks in the event that your car keys are stolen.
✓ Lost keys cover
Covers the cost of replacing keys and locks in the event that your car keys are lost.
£ No claims discount protection
Allows the policyholder to make a specified number of claims over a period without affecting their no claims discount.
£ Motor legal protection
Covers legal expenses for legal action you may take as the result of an accident.
Does AA Insurance offer the best car insurance?
Here’s how the AA scored in our latest car insurance survey:
To help you find the best car insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse car insurance
The AA’s car insurance policy: is it good or bad?
With a policy score of 67%, the AA’s policy came in 22nd out of the 49 policies we reviewed this year.
Its policy features unlimited cover for child car seats, total loss courtesy car cover included as standard for 21 days and an uninsured driver promise that ensures your no claims discount is not impacted if the third party doesn’t have insurance.
On the downside, the policy features an excess of up to £500 if you don’t use an approved repairer and an additional £400 excess for claims made by drivers aged 21 to 24 years old.
Better cover for AA members
If you have an AA membership you will receive higher levels of cover for audio equipment, sat navs, personal belongings, medical expenses and personal accident cover.
In detail: every part of the AA’s car insurance rated
| Weighting | Policy element | Details | Rating |
|---|---|---|---|
| Most important | Courtesy car – included? | As standard | |
| Most important | Courtesy car – guaranteed availability? | Yes – as standard with the cover | |
| Secondary | Courtesy car period | Duration of repairs | |
| Other | Courtesy car provided if car is stolen? | No | |
| Most important | Windscreen damage – limit per claim (Approved Repairer / Non-approved repairer) | Unlimited / Varies by underwriter | |
| Most important | Window damage – limit per claim (Approved Repairer / Non-approved repairer) | Unlimited / Varies by underwriter | |
| Secondary | Sunroof damage – limit per claim (Approved Repairer / Non-approved repairer) | Unlimited / Varies by underwriter | |
| Secondary | Personal belongings – limit per claim | £250 (£500 for AA members) | |
| Secondary | Medical expenses – limit per claim | £400 per person (£500 if AA member) | |
| Other | Physio treatment included under medical expenses? | Yes | |
| Other | Prescription costs included under medical expenses? | Yes | |
| Other | Dental treatment included under medical expenses? | Yes | |
| Other | Audio equipment – Limit per claim (Manufacturer fitted / Non-manufacturer fitted) | Unlimited / £750 (£1000 for AA members) | |
| Other | Sat Nav – Limit per claim (Manufacturer fitted / Non-manufacturer fitted) | Unlimited / £750 (£1000 for AA members) | |
| Other | Child car seat – Limit per claim | Unlimited | |
| Secondary | Misfuelling cover – included? | As standard | |
| Secondary | Misfuelling cover – what’s covered? | Engine damage only | |
| Secondary | Misfuelling cover – limit per claim | Market value |
Table last updated in February 2022. Next update in February 2023.
To see how the AA’s car insurance compares to other policies check out our guide on the best and worst car insurance.
How did customers rate the AA’s car insurance?
As well as looking at how the AA’s car insurance policy stacks up against others, we’ve also analysed how customers who have recently made a claim feel about it too.
The AA scored 69% for customer satisfaction, placing it 9th of the 14 car insurers we received sufficient responses for in our customer survey.
AA’s car insurance customer satisfaction
| Customer satisfaction element | Customer rating |
|---|---|
| Application process | – |
| Clarity of policy |
|
| Dealing with queries |
|
| Ease of managing your policy online |
|
| Fair treatment of longstanding customers | – |
| Dealing with complaints |
|
| Value for money |
|
Table last updated in February 2022. Next update in February 2023.
“-‘ represents where we have an insufficient sample size (less than 30) to generate a star rating.
How can you save money on AA car insurance?
The first offer an insurer makes isn’t necessarily the best they’re able to provide – especially if you’re renewing. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.
Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all dancing policy – but certain add-ons might not be for you, or could duplicate cover you already have separately.
Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.
Policies purchased directly from the call centre include Car Hire and Motor Legal Assistance as standard while policies purchased directly from AA.com include Car Hire as standard.
The AA’s car insurance policy is available on the following price comparison websites:
- Compare the market
- Go Compare
- Confused.com
- MoneySuperMarket
✓ Membership discount
A discount to the premium for being an AA member
✓ Joint car and home insurance discount
10% discount on the 2nd product
✘ Multi-car discount
A discount to the premium for insuring more than one car on a single policy with the same provider.
✘ Dash cam discount
A discount to the premium for having a dash cam installed in your car
Above information correct as of December 2021. For more tips see our guide to getting a cheap car insurance quote.
What is the AA’s car insurance claims number?
If you need to make a claim with AA car insurance call 0800 269 622.
You’ll need your details ready and, if your car has been stolen, a crime reference number from the police.
