Get A Car Insurance Quote From Aa Insurance

Not sure about something?

• About our car insurance
• Buying your cover
• About your payment
• My policy documents
• Using the car
• Driving abroad
• The policy excess
• No claim discount
• Security devices
• Making a claim
• Changing your cover

About our car insurance

Your car insurance and coronavirus

You can find the latest information on our Frequently Asked Questions page, or get in touch with us using the online chat option.

Who underwrites AA Car Insurance?

We set up and administer your policy from the insurers on our car insurance panel. The name of the underwriter will be shown on your car insurance quotation.

What ages do you provide insurance for?

We provide cover for drivers who are aged between 18 and 99.

How can a young driver reduce their car insurance premiums?

Insurance can be expensive for young drivers so we have put together some tips on how to reduce car insurance costs. Read our advice laman for young drivers.

When is my car insurance due?

If you have insurance with us, you can find out when your car insurance is due for renewal by logging into your account.

If you have insurance through another provider, check your renewal email or letter or call your insurer for your policy details.

Back to topBuying your cover

When does my insurance start?

You can buy your insurance up to 60 days before the policy start date.

So when you pay using a debit or credit card, whether online or on the phone, you'll be insured from the chosen start date of the policy.

If you get a car insurance quote online, you can use the reference to retrieve the quote for 28 days, as long as your details are the same. Or if you want to save your quote for longer, up to 60 days, just call our contact centre.

Do AA Members get a discount on car insurance?

When you get a quote online, confirm that you are an AA Member. You could get a discount when you insure your car with us for the first time, and on subsequent renewals if you remain an AA Member.

My car has modifications – will they affect my insurance quote?

If your car has been modified we can give you an online quote for a maximum of two modifications from the following list:

• Alloy Wheels.
• Front Spoiler or Air Dam.
• Locking Wheel Nuts.
• Rear Roof Spoiler.
• Rear Spoiler or Aerofoil.
• Bull Bars.
• Dual Control.
• Hand Controls.

Modifications will affect the quote price, as they present a higher risk than original components.

If your car has more than two modifications, or the modification isn't listed, please call us on 0800 197 7178 – we may still be able to give you a quote.

Back to topAbout your payment

Can I spread my payments and pay by monthly instalments?

Yes, you can pay by monthly instalments. We'll ask for an initial payment by debit or credit card and the rest of your payment will be made in 11 monthly instalments. Credit will be provided by Automobile Association Insurance Services Limited, and you must be over 18.

How secure is my online payment?

We keep your personal details and your credit or debit card information private and secure when you buy online. We do this by using secure server perangkat lunak that encrypts any information you give us. It takes the characters you enter and converts them into a secret code, which is then securely sent to us.

Back to topMy policy documents

How can I access my policy documents online?

Your policy documents can be found in your online account. It's easy to register if you haven't already done so, and you'll see all your AA policies in one handy place.

Back to topUsing the car

Am I covered for towing caravans or trailers?

When towing a caravan or trailer, you are covered for the costs you are liable to pay if you cause damage to property, or injury or death to someone.

Your car insurance also covers a single-axle trailer, worth up to £500 and kept in a safe and roadworthy condition, while attached to your car. For example, if you have comprehensive insurance, your trailer will also be covered on a comprehensive basis, which includes accidental damage, fire and theft.

When do I need to select business use?

Select business use when you use your car to travel to various places in connection with your work, such as offices or factories. Business use is not required when you travel to a single permanent place of work.

If I do voluntary work, do I need to select business use?

When you only commute to and from one permanent place of voluntary work, then select 'Social, Domestic, Pleasure & Commuting' for the use of your car.

If you travel to more than one place of voluntary work, our panel of insurers has agreed that 'Social, Domestic, Pleasure & Commuting' is sufficient cover and should be selected.

But if you transport goods or people as part of your voluntary work, then please call 0800 197 7178 for a quote.

Please note, we do not charge an administration fee if you call us to update your policy to show you now do voluntary work.

Our panel of insurers operates under the statement below, issued on the Association of British Insurers website.

"The insurer will insure their policyholders to carry out voluntary driving, that is, the use of a vehicle they own in connection with, or for the benefit of, charities, voluntary organisations, clubs or societies, where payment does not exceed the HMRC mileage rates in force at that time. This does not cover use for hire or reward or vehicles owned by, hired to or lent to the voluntary organisation."

Can I drive other cars?

Yes, our comprehensive policy allows you to drive other vehicles with third-party cover, unless it's specifically  excluded by your insurer. If this is excluded, we'll state this when you get a quote. If you've already bought car  insurance from us, check your certificate of motor insurance. There are conditions that apply to this benefit, so please  view our Car Insurance Policy Booklet for more details.

Back to topDriving abroad

Can I drive abroad with my car insurance?

As an AA car insurance policyholder, you can drive anywhere in the EU, and in several other European countries, and get the same level of cover you have in the UK for up to 90 days during the 12 months of your policy.

Depending on your insurer, and for an additional premium, you may be able to extend the 90-day period. You might also get cover for countries that we don't include as standard.

You can find out more on our advice page for driving abroad in Europe.

Back to topThe policy excess

What is a policy excess?

An excess is the part of the costs of a claim for loss or damage to your car that you have to pay out of your own pocket. Your insurance will be cheaper if you agree to pay more of these costs yourself. There are two types of policy excess:

Compulsory excess – the insurer will decide how much you'll be asked to pay for each claim before you buy the motor insurance policy. Check that you are comfortable with how much you'll have to pay for each claim before you buy a car insurance policy.

Voluntary excess – the amount you'd be prepared to pay on top of the compulsory amount. The higher you go, the lower your premium.

Can I pay a voluntary excess?

Yes, you can pay a higher voluntary excess for when you make a claim, usually up to £500. Typically, you pay less for your car insurance if you select a higher voluntary excess.

Back to topNo claim discount

What is a no claim discount?

A no claim discount is a reward for not making a claim on your motor insurance policy. Each year the discount on your renewal premium increases, reaching a maximum discount after 14 years without a claim.

If you do make a claim, your discount will normally be less at the next renewal if your insurance company cannot get their money back from the person responsible.

Where can I find proof of my no claim discount?

New customers

When you get a car insurance quote, we ask how many years no claim discount you already have. This information can be found on the cancellation notice or last renewal invitation from your previous insurer.

In order to validate your policy after purchase, we may ask for proof of the discount you've earned. You can send us a copy of the renewal or cancellation notice, or a letter on headed paper from your previous insurer.

The document must be dated within the past dua years, and isn't used for another vehicle. Also, please tell us about any gap of more than 30 days between your previous and the new AA policy, including claims or convictions.

You can either email or send the document to us:

AA PO Box 2AA, Newcastle upon Tyne NE99 2AA

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