AA car insurance in 60 seconds
AA Car Insurance at a glance (2026)
Could you save by switching?Rival insurers can quote up to 30% less on the same cover. Compare the live UK car insurance market in our guide to insurance providers before you renew.
AA car insurance cover and tiers in 2026
The AA arranges car insurance through a broker model: when you run a quote, the AA gathers prices from a panel of more than a dozen underwriters (including AA Underwriting, Aviva, Ageas and AXA) and sells you the most competitive one that meets the AA's service standards. Cover is split into three standard tiers, plus a stack of optional add-ons.
The AA car insurance product range
Comprehensive
Covers you and your car for accidents you cause, plus fire, theft and third-party damage. Includes a courtesy car if yours goes for repair at an AA-approved garage and guaranteed hire car cover as an optional extra.
- Up to £100,000 cover for personal injury.
- 90-day European cover included.
- Free 7-day driveaway cover.
Third Party, Fire & Theft
Pays out if your car is stolen or destroyed by fire and covers other people's vehicles and property if you cause an accident. Doesn't cover damage to your own car in a crash.
- Suits older, lower-value cars.
- Lower premium than comprehensive.
- Includes theft & fire payout.
Third Party Only
The lowest legal level of cover in the UK. Pays for damage to other people, vehicles and property if you cause an accident, but nothing for your own car, theft or fire.
- Cheapest standalone option.
- Often used by young drivers.
- Not always the cheapest deal.
AA Smart Insurance
Telematics policy for drivers aged 21–25 with at least one year's no-claim discount. A small black box rewards safe driving with annual price reductions and gives you a personal driving score.
- No curfew, no mileage cap.
- Annual driving review & rewards.
- Better deal for safe drivers.
Multi-car
Insure two or more cars at the same address on a single renewal date. Each driver keeps their own no-claim discount and the AA discounts each policy on top.
- Each car keeps its own NCD.
- One renewal date for the household.
- Up to 10% multi-car discount.
Motorbike
Three tiers (third party, third party fire & theft, comprehensive) for bikes, scooters and trikes. Optional helmet and leathers cover, replacement vehicle and legal expenses.
- Up to £1,000 helmet & leathers cover.
- Up to £25,000 personal accident.
- Hire bike up to 14 days.
Optional extras worth knowing
Add-ons are priced separately, so the headline quote is only the start of the picture. The most useful extras in 2026 are:
- Motor legal protection: up to £100,000 to help recover uninsured losses if you have a non-fault accident.
- Excess protection: claim back your excess if you have to pay it after a fault claim or one where the third party cannot be traced.
- Guaranteed hire car: a like-for-like hire car for the duration of a repair, not just a small courtesy hatchback.
- Personal injury plus: up to £100,000 cover for the policyholder and named drivers, on top of the standard £5,000.
- Breakdown bundle: AA breakdown cover sold with the policy at a discounted multi-product rate.
The 10% AA member discountExisting paid AA breakdown members get an automatic 10% discount on AA car insurance bought direct (online or by phone). The discount does not appear on aggregator sites, so always run the AA quote on theaa.com if you already pay for breakdown cover.
AA car insurance prices in 2026
AA car insurance prices vary hugely with your age, postcode, mileage, occupation and no-claim discount, but the broker model means the AA quote is usually within striking distance of the cheapest aggregator price. The benchmark figures below come from the ABI's Motor Insurance Premium Tracker (Q4 2025) and our own May 2026 quote tests on a 2020 VW Golf, fully comprehensive, 8,000 miles a year, 5+ years no-claim discount.
| Driver profile | UK average premium | AA quote (member) | AA quote (non-member) |
|---|---|---|---|
| 25-year-old, M25 commuter belt, first car after L-plates | £1,840 | £1,712 | £1,902 |
| 35-year-old family, 2-car household, suburban Manchester | £648 | £589 | £655 |
| 45-year-old, low mileage, rural Devon, single car | £512 | £461 | £513 |
| 65-year-old, retired, urban Edinburgh, 4,000 miles/year | £398 | £359 | £399 |
Source: ABI Motor Insurance Premium Tracker Q4 2025 + Selectra quote tests on theaa.com, May 2026. Comprehensive cover, £250 voluntary excess. Personal quotes will vary.
After two years of double-digit increases, the ABI's Premium Tracker shows UK motor premiums fell 4% year-on-year in Q1 2026 as claims inflation eased. That makes 2026 a particularly good year to shop around at renewal instead of letting the AA auto-renew.
How to get an AA car insurance quote
There are two routes:
- Online: go to theaa.com/car-insurance and click 'Get a quote'. Allow about 10 minutes to enter your details; the AA shows the panel prices in a single results page.
- By phone: call 0800 107 9920, Mon–Fri 08:00–20:00, Sat 09:00–17:00. Phone agents can quote on cars and risks the website refuses (modified cars, certain occupations).
Whichever channel you use, have your driving licence number, vehicle reg, mileage and full address handy. The AA will offer to add breakdown cover during the quote, you can decline without losing the insurance discount.
My AA login for car insurance
The My AA account is the same login for breakdown, insurance and driving lessons. From the app or web account you can:
- View, download and email your certificate, policy schedule and IPID at any time.
- Update vehicle details, driver details and mileage (some changes still trigger a phone call to the underwriter).
- See your renewal date and price three weeks before renewal, and turn auto-renewal on or off.
- Submit and track a claim from the My AA app, including uploading photos and damage reports.
Forgotten your password?Reset it via the My AA login page using the email address on your policy. The reset link is valid for one hour; if it expires, the AA helpdesk on 0344 209 0556 can reset it for you.
AA car insurance cancellation policy
The AA gives you a 14-day cooling-off period from the date you receive your documents (or from when cover starts, if later) to cancel and get most of your money back. After that, you can still cancel but the fees increase. Current AA car insurance cancellation rules:
| Scenario | Refund | Fees |
|---|---|---|
| Cancel within 14 days, cover not yet started | Full premium refunded | £30 arrangement fee returned |
| Cancel within 14 days, cover has started | Pro-rata refund for unused cover | Minimum £20 charge; arrangement fee retained |
| Cancel after 14 days, no claim made | Pro-rata refund for unused cover | Minimum £20 charge, £55 cancellation fee, no arrangement-fee refund |
| Cancel after a fault claim | No refund of remaining premium | £55 cancellation fee still applies |
AA car insurance cancellation fees as published in 2026 IPID documents.
To cancel, call the AA on 0370 533 2211 or log in to My AA and request a cancellation. The AA will send a final closing statement by email within three working days.
AA car insurance customer service
The AA uses different phone lines depending on what you need. Dialling the right number first saves being bounced between departments. Numbers in Selectra blue are the ones most customers need on day one.
Contact the AA by phone
Quote line
New car insurance quotes
0800 107 9920
Mon–Fri 08:00–20:00, Sat 09:00–17:00
Top lineMotor claims
Accident or motor claim
0800 26 20 50
24/7
Change policy details
Address, car, drivers
0370 533 2211
Mon–Fri 08:00–20:00, Sat 09:00–17:00
Top lineCancel or renew
Existing car policy
0370 160 0138
Mon–Fri 08:00–20:00, Sat 09:00–17:00
Online & login help
Documents & My AA
0344 209 0556
Mon–Fri 09:00–17:30
No-claims discount
Proof & transfer requests
0370 533 2211
Mon–Fri 08:00–20:00, Sat 09:00–17:00
Breakdown rescue
Already broken down, UK
0800 887 766
24/7
Motorbike insurance
Quotes & existing policies
0344 335 2932
Mon–Fri 09:00–17:00
Complaints
Customer relations team
0344 843 8358
Mon–Fri 09:00–17:00
Contact the AA online
- My AA: log in at theaa.com/my-account or in the iOS/Android app for documents, changes and claims.
- Live chat: available from the AA car insurance help pages during UK business hours.
- X (Twitter): @TheAA_UK for general queries; never share policy or payment details over social media.
- Email: [email protected] for general queries; claims and policy changes must go through My AA or by phone.
AA car insurance head office
The Automobile Association Ltd, Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. For policy correspondence and complaints, use the claims or complaints address on your policy schedule rather than the head office.
AA car insurance reviews and ratings
Customer scores for AA car insurance look very different depending on the platform you check, a common pattern for large insurers where satisfied buyers and frustrated renewers tend to use different review sites.
| Platform | Score | Reviews | Main themes |
|---|---|---|---|
| Trustpilot (all AA products) | 4.5/5 | 130,000+ | Fast quotes, helpful phone agents, strong breakdown service |
| Feefo (car insurance) | 4.4/5 | 8,200+ | Easy online quotes, friendly service, fast document delivery |
| Fairer Finance car insurance | 3 stars | Industry-led | Middle of the pack on cover, claims and transparency |
| Defaqto (AA Comprehensive) | 5 stars | Features-based | High level of standard features on the comprehensive tier |
| Which? Car insurance survey 2025 | 3/5 | Consumer panel | Average on price, above average on claims handling |
Ratings collected May 2026 from Trustpilot, Feefo, Fairer Finance, Defaqto and Which?.
What customers like
- Quick, modern quote journey on theaa.com, with the AA panel price shown alongside aggregator-style comparisons.
- Bundled with breakdown: easy to add roadside cover at a discount on the same renewal date.
- Claims handling: the AA Accident Assist line (0800 26 20 50) gets consistently positive comments for first-notice-of-loss speed.
- Driveaway cover: free 7-day cover when collecting a new car, useful when buying from dealers.
Common criticism
- Renewal price hikes: even after the FCA's 2022 loyalty rules, some customers see double-digit renewal jumps if their underwriter changes on the AA panel.
- Mid-term adjustments: changing a car or address mid-policy can trigger a large additional premium and a £25 admin fee.
- Phone hold times: claims and breakdown are fast but general customer service can have 10–15 minute waits at peak hours (Monday mornings, school-holiday Fridays).
Selectra's verdict on AA car insurance in 2026
Strengths: a strong broker panel that often quotes inside the cheapest 25% of aggregator results, generous member discount (10% off direct), solid claims handling, and the convenience of bundling motor and breakdown on one account.
Weaknesses: aggressive renewal pricing, £55 cancellation fee after the 14-day cooling-off period, and admin fees on mid-term changes. The AA's own underwriter on the panel is not always the cheapest, so it pays to look at the named insurer on your quote.
If you already pay for AA breakdown cover, getting a car insurance quote direct from theaa.com is a no-brainer for the 10% discount. If you don't, treat the AA as one quote in a wider comparison rather than an automatic choice.
Before you renew with the AARun a side-by-side comparison with at least three other UK insurers, including Direct Line, Admiral and Aviva, and read our guide to UK insurance providers for the latest market rankings.
AA car insurance FAQ
Not always. The AA is a broker: it places your policy with one underwriter from a panel of 12+ insurers, including its own AA Underwriting subsidiary. The certificate of insurance you receive will name the underwriter (for example AA Underwriting, Aviva or Ageas), and that company handles your claim. The AA itself manages quotes, renewals and accident-management calls.
Yes, paid AA breakdown members typically save 10% on AA car insurance bought direct (online or by phone). The discount is automatically applied when you log in to My AA before running the quote. It does not show on aggregator sites such as Compare the Market or MoneySuperMarket, so always run an extra quote on theaa.com if you already pay for breakdown.
Call 0370 533 2211 or log in to My AA and request a cancellation. Within the 14-day cooling-off period you'll get a pro-rata refund and only pay a small admin fee. After 14 days, the AA charges a £55 cancellation fee plus a £20 minimum policy charge, and you keep the cover up to the date you cancel.
Call the AA Accident Assist line on 0800 26 20 50, open 24/7. The agent will log the incident, arrange a courtesy car if you have the right cover, and pass the claim to the underwriter named on your certificate. Always call this line before you accept liability or speak to the third party's insurer.
Yes. Every AA Comprehensive policy includes up to 90 days of European cover per trip, at the same level of cover as in the UK. Third-party-only and TPFT policies include the legal minimum cover required by EU member states. For longer trips or higher levels of European cover, you can buy a Foreign Use Extension at quote stage.
It can. Even with a non-fault claim, insurers will note the incident on the Claims and Underwriting Exchange (CUE) database for five years, which can push the next premium up by 5–15%. Adding motor legal protection (up to £100,000) for around £25/year lets the AA pursue the at-fault driver to recover your excess and uninsured losses, including the premium uplift.