AA Travel Insurance: Reviews, Voucher Code & Policy Information

AA logo next to a plane

AA Travel Insurance offers additional benefits to its AA members. Our two favourites are the excess waiver and new for old baggage. Don’t worry if you’re not a member, the policies rate highly with industry professionals and there are bonuses for everyone. Here’s a teaser, golf cover is standard in their policies! Read on to find out more....


AA Travel Insurance Reviews

a letter and magnifying glass

Approximately 97% of customers read online reviews before they buy. That’s not just travel insurance, but across the board (that new ramen restaurant, snowboard, speakers etc).

Virtually every one of us does it and it can be really helpful, particularly those reviews that seem to answer our questions directly! Sometimes you have to take them with a pinch of salt though.

We found that the online reviews on AA are very mixed. On the one hand, reviews from industry professionals are really positive. On the other hand, customers paint quite a different picture! No matter how you view them, don’t forget to have your non-negotiable factors in mind when choosing travel insurance.

Let’s look at what some of the industry bodies say first.

Fairer Finance 2019 product ratings for AA Travel Insurance policies.

Policy level
Single trip
Multi-Trip Annual
Bronze
Silver
Gold

As you can see from the chart, Fairer Finance rates AA’s Silver and Gold policies very highly. However, the Bronze package only gets one star, meaning it is low in features and does not provide comprehensive cover.

Fairer Finance also collates data on customer reviews. Overall, AA Travel Insurance received 61% for its customer experience rating. This takes into account customer happiness, customer trust, complaints performance and transparency rating. This figure doesn’t sound overly impressive, but to put it in perspective, the top rating is 65% and the lowest is 36%. That puts AA right up there as a brand that customers trust.

  1. Fairer Finance is an independent company that compares the quality of travel insurance policies. They score products out of one to five stars, based on features that are included as standard.
  2. Defaqto is an independent financial information business. Its goal is to help consumers make better-informed decisions. They also rate travel insurance policies based on quality rather than price.
Policy level
Single trip
Multi-Trip Annual
Bronze
Silver
Gold

Again, AA’s Silver and Gold policies rated impressively, both getting the full five stars. The Bronze policy only received two stars though, implying that this policy has less to offer. The Silver policy is looking like great value for money at this stage, as it is cheaper than the Gold but also offers an excellent level of cover.

Now customer reviews. Like we mentioned before, customers who left reviews online weren’t exactly as satisfied.

Of the 253 customers who left a review on TrustPilot, 90% of customers gave AA Insurance one star (bad rating). Be aware though, this is not just for travel insurance but other AA Insurance products too and the majority were related to car insurance.

Review Centre has a section dedicated to AA Travel Insurance so gives us a more accurate depiction. There were 57 reviews and the average score was 1.7/5 stars.

Paid all my medical expenses without any quibbles. A happy customer Awful service, long telephone hold queues, no resolution. A disgruntled customer

Based on these customer reviews, it would seem the customer service may not be up to scratch. We think you should always weigh up the customer and industry professional reviews, along with the actual benefits of the policy. Before we get into the nitty-gritty details of the policy, we have made this comprehensive guide on how to select travel insurance, if you are new to this.


AA Travel Insurance Policy Types and Details

AA Travel Insurance offers the two standard travel insurance policy types:

  1. Single Trip Insurance - when we ran a quote on the AA website, the maximum period of time it would allow for a single trip was 185 days. This is a decent period of time and plenty of time for most holidays. If you are backpacking through Asia for longer though, you will find other insurers who provide cover for more than double this length of time. LV (page coming soon) offers up to 366 days.
  2. Annual Multi-trip Insurance - AA offers you 30, 44 or 61 consecutive days of cover to choose from if you’re after an annual policy. We love this flexibility as you only pay for what you need. Most insurers only offer one standard period.

Here’s a snapshot of the key features that come as standard. Like most travel insurance policies these days, AA Travel Insurance offers three levels of cover: Bronze, Silver and Gold. Bronze offers the least amount of protection and Gold is the most comprehensive.

Cover for
Bronze
Silver
Gold
Medical emergency
£5,000,000
£10,000,000
£15,000,000
Hospital benefit
No cover
£300 (AA member £600)
£600
UK rehabilitation
£1,000
No cover (AA member £1,000)
No cover (AA member £1,000)
Emergency dental
£350
£400
£500
Personal liability
£1,000,000
£1,500,000
£2,000,000
Cancellation/ Curtailment
£1,000
£3,000
£5,000
Loss of passport
£225
£500
£750
Missed departure
£500
£750
£1,000
Travel disruption
No cover
£3,000
£5,000

An AA member is someone who has AA breakdown cover. To qualify for any member benefits listed, you must be a member at the time of purchasing your travel insurance policy.

As part of these standard policies, AA covers many sports and activities, but as always, check the fine print. For example, hiking/trekking is only covered up to 2,500 metres above sea level.

This would be more than adequate in most situations, but 514 mountains in the Alps alone are above 2,500 metres. To us mere mortals, the sheer thought of 2.5 kilometres into the clouds sounds terrifying (and a little crazy, sorry!). To those of you grinning away and recalling your last epic summit, this advice is for you. It’s safe to say that you are likely fitter than most of us, and will probably scale a mountain higher than 2,500 metres at some stage in your holiday.

Moral of the story - with any adventure sport, always check the fine print or call the insurer to confirm what is covered and find out any possible exclusions. After all, you don’t want to be stuck on the top of a mountain waiting to be airlifted, wondering how much this private, unplanned flight is going to set you back!

One sport you won’t have to worry about with AA Travel Insurance is golf cover. If you’re looking for cheap golf cover, AA covers golf as standard in their policies! It doesn’t get any better than that! This offer is for everyone and not just AA members. As always, be sure to check the limits are enough to cover your equipment first.

Baggage

We know that baggage can be one of the trickiest travel insurance items around. Luckily, it’s not quite as difficult as trying to remember your combo lock code for your suitcase. Some insurers make you add it on as an extra, others have a high maximum payout on the premium but then will pay next to nothing for a single item! It can be a little confusing, we know. Here’s a summary of AA inclusions. Great news! You don’t have to pay extra as it’s included in all policies:

Cover for
Bronze
Silver
Gold
Baggage
£500
£1,500
£2,500
Single article limit
£225
£300
£400
Replacement of personal money and important documents
£225
£300
£500
Travel and accommodation expenses when replacing important documents
£225
£500
£750

The single article limit under baggage is the maximum AA will pay for any one item, pair, or set of items.

As we mentioned, the single item limit included in baggage can be tricky. AA pays £225 - £400 for each item. If you’re a gadget lover, this probably won’t cover your laptop (heaven forbid it leaves your side). To give you an idea of the industry average, usually single item limits are between £150-£500. This puts AA smack bang in the middle.

If you want to insure high-tech, expensive gadgets, there are specialist insurers that offer higher single item limits so shop around if you need. If you’re just taking your flip-flops and books, you should be sweet and fully covered with AA.

Excess

AA Travel Insurance policies have reasonably low excesses and a special deal if you are an AA member (see below).

Excess
Bronze
Silver
Gold
Excess
£150
£80
£50

If you are an AA member and you take out a Silver or Gold level of cover, no excess will be charged if you make a claim under any of the policy sections.


Optional Extra - Winter Sports

Here are the benefits you will receive with AA if you choose to add winter sports onto your single trip or annual multi-trip policy:

Winter Sports
Bronze
Silver
Gold
Ski equipment (owned)
£500
£750
£1,000
Ski equipment (hired)
£250
£250
£250
Ski equipment single item limit
£225
£300
£400
Hire of ski equipment*
£200
£300
£300

*No excess will be charged in the event of a claim, regardless of the policy level held or your AA member status.

If you want more help on choosing winter sports cover, why not check out our guide on the best ski travel insurance 2019?


AA Travel Insurance Login

a laptop

AA Insurance has a new online account system for customers. If you sign up for insurance with them, you will be able to access your policy documents and check your cover level there.

There are big plans for the system underway, and soon you will be able to amend your policies there too. In the meantime, you can call the team to make any changes.

You can find all the relevant contact details for AA on our contacts page. Having trouble with your AA travel insurance login? Head to Selectra's step by step AA login guide to see how to log in to your account smoothly.


AA Travel Insurance Voucher Code & Prices

You can receive up to 18.9% of your purchase back if you buy AA Travel Insurance through the TopCashback site. You will need to sign up with TopCashback, if you haven’t already.

To test it out, we went ahead and signed up, and you only need to enter your email and password. Then click ‘Get Cashback Now’ and you will be taken to AA’s site. You will get your quote directly through AA Travel Insurance but it recognises and records the fact you came via TopCashback. Happy shopping!

Policy Prices

In order to compare prices, we have done a comparison for an annual policy including Europe for a 35-year-old woman with no pre-existing medical conditions.

The prices displayed are correct as of July, 2019 and are for guidance purposes only. Once you perform a quote, the figures provided will be the most up-to-date. Based on our example, here are our recommendations around the different levels of cover:

  1. Bronze - considering the industry professionals did not rate this highly for features, we feel this is a little overpriced. It is more expensive than the average Bronze policy on the market and will only provide you with limited cover.
  2. Silver - this feels like a winner to us. With Fairer Finance rating it four stars and Defaqto scoring it five stars, you will get a very good level of cover and it comes in cheaper than the average Silver policy.
  3. Gold - this is rated the absolute highest quality by industry professionals so you can rest assured you will have comprehensive cover. It is more expensive than others on the market though, so you may want to shop around if you need the absolute maximum level of protection.

AA Travel Insurance Cancellation

AA will provide a full refund of your premium if you meet all of the following requirements:

  1. You contact AA Travel Insurance within 14 days of receiving your Policy Documents.
  2. You have not made, and do not intend to make a claim.
  3. No incident has occurred which may mean you need to make a claim.
  4. You have not travelled.

Otherwise, no refund of your premium will be made. You can still cancel your policy after 14 days but you will not receive a refund.


AA Travel Insurance Claims & Complaints

If you need to make a claim or complaint, head to our AA Insurance guide (coming soon). If you phone, we recommend having the following information ready:

  • Name, address, telephone number, email address.
  • Your policy number and/or claim number.
  • Type of policy you hold.
  • The reason for your complaint or claim.

What is AA’s Emergency Assistance number?

Every travel insurer has a 24/7 helpline you can ring if you have an emergency while on your trip. With AA travel insurance, If you need Emergency Assistance you should call +44 (0)1473 356 274.


Data and information correct as of July 2019.

All material on this page and the selectra.co.uk website is for information purposes only and does not constitute any form of financial advice. Selectra.co.uk is not responsible for any consequences that might arise from your use of the information provided.

Other providers are available and the best deal for you will depend on your individual circumstances. Please do your own research and seek professional advice if necessary (moneyadviceservice.org.uk offers free, independent advice on all financial issues).

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