AA Car Insurance

Reasons to Buy AA Car Insurance:

• The AA Team searches a panel of over 20 leading insurers to get you the best deal we can
• Up to 90 days car insurance cover across EU countries
• A dedicated UK claimline that's available 24-hours a day, 365 days a year
• Motor Legal Protection (as an optional extra for £22.55) – up to £50,000 legal costs to recover certain uninsured losses
• Personal accident cover up to £5,000 (£7,500 if you're an AA member)
• Courtesy car as standard while your car is repaired by an approved repairer
• Up to £500 to replace car locks if your keys are lost or stolen
• Up to 70% No Claims Discount
• 12.5% online discount
• 21 day money back guarantee if you find a cheaper policy

25% of people could save £200 by switching to the AA (survey of new business quotes based on a comparison of 26 of our competitors, March 2009).

AA Car Insurance Overview

The AA is well known as one of the UK's primary breakdown cover providers, which now offers a wide range of services to its members, including loans, driving lessons, legal and motoring advice, and insurance. The AA was previously a mutual motoring society, run entirely for the benefit of its members (in a similar way to a building society compared to a bank). However, in order to compete more effectively, it demutualised its ownership in the late 1990s (with existing members receiving a payout worth several years membership), and the company began expanding more into other fields. Since this time, the AA's other work, including campaigns for safe road design, other activities have passed to The AA Trust, with some of these since being passed to the IAM Motoring Trust - however, the company still has a commitment to improve conditions for motorists, achieved through competitive pricing on all its products.

AA Car Insurance Specifics

As is common with other insurers, the AA offers three levels of car insurance cover. Third party covers injuries to others and to property, and accidents caused by a passenger, or any other 'named driver'. Third party fire and theft adds to this by covering your car in the event of fire, or if your car is stolen. Comprehensive cover includes a range of other benefits, such as using your car in combination with a trailer, personal injury to yourself or another in the vehicle, accidental vehicle damage, cost of medical services, damage/loss to personal items in the vehicle, key/remote replacement, child seat replacement, cover for windscreens, and cover for radio, sat nav or other communication equipment. The AA also offer several additional tailored services for specific needs. They offer special rates for female drivers, avoiding the need to go to womens' specialists, classic car cover and special rates for vans and motorcycles. The company is also one of a relatively small number of insurers to offer short term insurance, which is designed as a convenient way to allow a friend or relative to use your car legally, for a short period of time. Cover is available from one to 28 days, and is provided to existing customers in addition to their standard policy - this means if a claim is made, it won't affect your existing premium. This type of cover is only available for drivers aged above 24, with a UK licence, and is also useful for use of courtesy cars, or if you've just bought a new car.

AA breakdown cover customers may qualify for a discount on AA Car Insurance, so always have your number to hand when requesting a quote online. For around an extra 15% on top of a standard premium, the AA offer protected no claims, which allows two relevant claims in a three year period without affecting no claims bonus - for customers with more than 5 years no claims, this is a very popular option, and is a good way of ensuring cheap car insurance in the long term. One benefit of AA Car Insurance cover is that it provides more than the minimum European cover. Drivers are covered within the EU for up to 90 days, with insurance provided at their UK level (i.e. comprehensive, third party etc).