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Log in to the My Account section of the AA website or use the AA app to view your policy documents and make changes.
These online portals are available 24/7.
AA car insurance
Compare AA car insurance quotes.
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How good is AA car insurance?
The AA is one of the UK’s most recognisable motoring brands, offering car insurance alongside its long-established breakdown cover services.
Its Gold and Platinum car insurance policies have five-star ratings on Defaqto, while research by Which? gave The AA a claims score of 75%
The AA offers a range of benefits designed around everyday driving, including optional breakdown cover, courtesy car provision, and uninsured driver protection.
According to the AA, 99%
What is the Defaqto rating for AA car insurance?
Defaqto is a leading independent reviewer of financial products. AA's higher-tier policies (Car Insurance Silver and Gold) receive the maximum five-star Defaqto rating for features and benefits, while its Silver comprehensive policy is rated four stars.
AA Silver Car Insurance
⭐⭐⭐⭐^
AA Gold Car Insurance
⭐⭐⭐⭐⭐^
AA Platinum Car Insurance
⭐⭐⭐⭐⭐^
What will an AA comprehensive car insurance policy cover me for?
If you choose a fully comprehensive AA car insurance policy (Silver, Gold or Platinum) the following is included:
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Damage to your car
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Windscreen replacement
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Personal belongings
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EU cover
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Lost or stolen keys
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Courtesy car
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Medical expenses
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Car sharing
How much do AA car insurance policies cost?
These are the average prices of AA car insurance policies across a wide range of drivers.
How much you personally pay will be influenced by your age, location, driving history and other factors, so coulddiffer significantly
AA Silver
£380^
AA Gold
£338^
AA Platinum
£626^
What is included in AA Gold and Platinum car insurance?
The AA offers three main tiers of car insurance, Silver, Gold and Platinum, each providing increasing levels of comprehensive cover.
Gold policies include:
Motor legal protection to help recover uninsured losses
Higher limits for personal belongings and injury cover
Additional support following an accident, such as onward travel or accommodation
Platinum offers the most comprehensive level of cover, with further benefits such as:
Built-in breakdown cover from The AA
The highest limits across key areas like personal belongings and medical expenses
A wider range of included extras, reducing the need to add optional cover
Is upgrading to AA Gold or Platinum car insurance worth it?
Choosing between AA’s tiers depends on how much protection and convenience you want built into your policy.
Silver may be enough if you’re looking for straightforward, no-frills comprehensive cover and are happy to add extras separately if needed.
Gold could be a better fit if you want a more complete level of protection, particularly with motor legal cover included and higher payout limits.
Platinum may be worth considering if you want an all-in-one policy with fewer gaps, especially if you value having breakdown cover included and want stronger protection against unexpected costs.
Upgrading may be less necessary if you already have breakdown cover elsewhere, don’t need higher cover limits, or are comfortable managing additional costs yourself.
Is AA the best company to insure my car with?
Which provider is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of AA car insurance to help you make your decision:
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Pros of AA car insurance
One of the UK’s most recognisable motoring brands, with a long-standing reputation
99% of car insurance claims are paid, according to The AA
Wide range of optional extras, including motor legal protection and enhanced cover levels
24/7 claims helpline and strong integration with roadside assistance services
Good Which? claims rating
^ score of 75%^
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Cons of AA car insurance
Breakdown cover is not included as standard on lower-tier policies and may cost extra
Can be more expensive than some competitors, particularly for younger drivers
Fewer specialist policy types (such as learner or short-term cover) compared to niche providers
How does AA car insurance compare to other providers?
These are all standard fully comprehensive car insurance policies. All providers also offer higher-tier options, which will include more features for an extra cost.
AA Silver | RAC Online | Aviva Signature | Direct Line Essentials | |
|---|---|---|---|---|
Price | £380^ | £309^ | £385^ | £430^ |
Defaqto rating | ⭐⭐⭐⭐ | ⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating^ | 75%^ | 83%^ | 80%^ | 74% |
Claims payout rate | 99.6% | 99% | N/A | N/A |
Uninsured driver promise^ included? | Yes | No | Yes | Yes |
Courtesy car included? | Yes | Yes | Yes | Yes |
Administration fees^ | Free online, otherwise £25 | £15 | Free online, £18 if calling in | Free |
Further information |
Price data from MoneySuperMarket. Other data from provider website and correct as of March 2026.
Is the AA a good car insurer for young drivers?
The AA is a long-established and widely recognised motoring brand, with a 99% car insurance claims payout rate, which can give reassurance to younger drivers and their families when it comes to reliability and support.
However, the AA is not specifically aimed at young drivers, and its policies can be more expensive compared to providers that specialise in this group.
The AA does not typically offer dedicated learner or young driver insurance products, focusing instead on standard policies with optional extras.
That said, its strong reputation and the option to include breakdown cover may appeal to younger drivers who prioritise convenience and support over price.
How do I contact The AA?
💡 Top tip: If you bought your AA car insurance through MoneySuperMarket, you can see your policy information on our website. Just sign in and click on your dashboard.
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Live chat
You can live chat with online agents for help with your car insurance, regardless of your policy type.
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Phone
Reach the AA on 0330 053 0203
Opening hours:
Monday - Friday - 8am to 7pm
Saturday - 9am to 5pm
Sunday - Closed
Bank holidays - 9am to 5pm
How do I make a claim with the AA?
If you need to make a claim on your AA car insurance policy, contact The AA as soon as possible after the incident. You can usually begin your claim online or by calling their claims team.
You’ll typically need your policy number, details of what happened (including date, time and location), information about any other drivers or vehicles involved, and any supporting evidence such as photos.
AA claims line:
0330 053 0322
You can make a claim by phone or online, 24/7
Can I cancel my AA car insurance and switch providers?
🚩 You will not get any money refunded if you have already made a claim on your car insurance
You will need to cancel your car insurance with The AA directly. You cannot cancel via MoneySuperMarket.
You can cancel your AA car insurance online via their website or app.
Can I cancel my AA car insurance at any time?
Yes, you can cancel your AA car insurance at any time. If your cover has already started, any refund will usually be reduced based on how long you’ve been insured and any fees that apply.
Does the AA charge fees for cancelling car insurance?
Yes, Marmalade may charge a cancellation fee if you end your policy after it has started. The exact fee can vary depending on your policy and when you cancel, but you’ll typically need to pay:
Prior to the policy auto-renewing: No charge
Within the first 14 days of the policy starting: No charge unless cover has started, in which case you'll pay a minimum of £15
More than 14 days after the policy starts: £32.50 admin fee
Can I get a refund for extras I've added to my AA car insurance?
Some add-ons, such as breakdown cover, may not be refundable once they’ve started. Others may be refunded on a pro-rata basis, depending on the terms of your policy and whether the cover has been used.
What other insurance does the AA sell?
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Electric car insurance
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Short Term Insurance
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Breakdown cover
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Multi-cover insurance
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Van insurance
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Motorbike insurance
Is it cheaper to buy AA car insurance through a price comparison website?
Price comparison websites like MoneySuperMarket can help you find cheaper car insurance from providers such as The AA compared with going direct. There are several ways we can help you save money:
our Price Promise1 means if you find the same policy cheaper elsewhere (including on a provider’s website), we’ll refund the difference and give you a £15 gift card
our Price Optimiser gives you tailored tips on how to adjust your policy to reduce the price – 83%
^ of customers saved on their car insurance using this toolour SuperSaveClub2 rewards programme gives you added perks, including £15 when you buy a car insurance policy and benefits like a Free Days Out annual pass
We also make it quick and easy to compare The AA policies alongside other insurers, so you can check you’re getting the best deal and see if the same level of cover is available for less elsewhere.
How do I find my AA car insurance policy?
If you bought your AA car insurance through MoneySuperMarket, you can find your policy details by logging into your account. Your active policies will appear on your dashboard.
If you bought directly, you can log into your AA account to access your policy documents, check your cover, and manage your insurance.
Will I be charged if I make a change to my AA car insurance?
Yes, The AA may charge an administration fee for making changes to your policy, such as updating your details or adding drivers. This is £25 if done over the phone or by live chat, but free if done online.
Your premium may also increase or decrease depending on the change you make. For example, MoneySuperMarket data shows that adding a driver under 25 can significantly increase premiums by £768.94
Can I add other drivers to my AA car insurance policy?
Yes, you can add named drivers to your AA car insurance policy. You can usually do this by logging into your account or contacting customer support.
Adding another driver may affect your premium. For example, adding a younger or less experienced driver will usually increase the cost, while adding a more experienced driver could reduce it.
Does AA car insurance include breakdown cover?
Breakdown cover is not always included as standard with AA car insurance, but it can often be added as an optional extra. Higher-tier policies may include breakdown cover as part of the package, offering a more complete, all-in-one solution.
You can also choose to buy breakdown cover separately if you prefer.
How do I renew my AA car insurance policy?
Most AA car insurance policies are set to auto-renew. This means your policy will renew automatically at the end of the term using your saved payment details, so there’s no gap in cover.
The AA will contact you before renewal with details of your new price and any changes to your policy. If you don’t want your policy to renew automatically, you’ll need to let them know before your renewal date.
It’s worth comparing quotes before renewing, as you may find a better deal elsewhere.
What's the difference between AA policy tiers?
The AA offers different levels of cover - Silver, Gold and Platinum - with increasing levels of protection.
Higher-tier policies usually include:
higher cover limits
additional benefits such as motor legal protection
optional or included extras like breakdown cover
This allows you to choose between a more basic policy or a more comprehensive, all-in-one package.
Can I pay my AA car insurance in monthly instalments?
Yes, you can usually pay for your AA car insurance in monthly instalments via Direct Debit. This is often more expensive than paying annually, as interest may be added to spread the cost.
What is the AA?
The AA is one of the UK’s most established motoring organisations, founded in 1905. It’s best known for its breakdown cover services but also offers a range of insurance products, including car, home and travel insurance.
Who underwrites AA car insurance?
AA car insurance is underwritten by a panel of insurers.
This means the AA does not insure drivers directly. Instead, when you take out a policy, one of the insurers on its panel provides the cover and is responsible for paying out claims.
This is a common setup in the UK insurance market and does not affect the validity of your cover.
There are a few things to be aware of:
the claims experience may vary depending on the insurer
you may deal with different companies for policy management and claims
There are no inherent disadvantages, but it’s worth checking your policy documents so you understand exactly who provides your cover and what is included.
How does MoneySuperMarket create and review the content on the website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 5 May 2026
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
You might see a premium policy with a lower average sold price than the basic option. That's not because it’s cheaper overall, but because lower-risk customers are buying it. People whose individual circumstances mean they receive higher premiums often choose the most basic cover to keep costs down, while those offered cheaper premiums are more likely to upgrade to a higher-tier product.
83% of users completing the car insurance Price Optimiser journey and actioning its insights on MoneySuperMarket between 12.02.26 and 16.02.26 found a cheaper quote.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in November 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
An 'uninsured driver promise' is a car insurance policy feature where you will not have to pay your excess and will not lose your no-claims discount if your car is hit by an uninsured driver and the accident wasn't your fault.
Administration fees are charges insurers apply when you make changes to your car insurance policy. Examples of mid-term policy changes that could incur an administration fee include: changing your address, updating your job title, adding or removing a driver, changing your vehicle.
These fees cover the cost of processing the change, rather than the insurance risk itself. They are separate from any change in your premium. For example, if you update your details, your price may go up or down based on risk, then an admin fee may be added on top.
Defaqto is a leading independent reviewer of financial products. Five stars is for 'An excellent product with a comprehensive range of features and benefits'.
Individual insurance products from The AA may have different ratings. Data from the Defaqto website. Data from April 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Defaqto is a leading independent reviewer of financial products. Five stars is for 'An excellent product with a comprehensive range of features and benefits'.
Individual insurance products from The AA may have different ratings. Data from the Defaqto website. Data from April 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket between April 2025 and March 2026.
Defaqto is a leading independent reviewer of financial products. Five stars is for 'An excellent product with a comprehensive range of features and benefits'.
Individual insurance products from The AA may have different ratings. Data from the Defaqto website. Data from April 2026.
