Car insurance | Get a car insurance quote from AA Insurance (2024)

Not sure about something?

  • About our car insurance
  • Buying your cover
  • About your payment
  • Your policy documents
  • Using the car
  • Driving abroad
  • The policy excess
  • No claims discount
  • Security devices
  • Your identity check

About our car insurance


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 quote.


What levels of cover do you offer?

We offer a range of policies so you can choose just the right cover to meet your needs.

Our standard AA Car Insurance has a Defaqto 5 Star Rating, which means it provides high quality cover.

We also offer three other levels of comprehensive car insurance, Silver, Gold and Platinum. Each level has varying features and benefits, so you can get the best value for money.

There is also Silver third party, fire and theft car insurance, and this cover is only available through price comparison websites.


What ages do you provide insurance for?

We provide cover for drivers aged between 18 and 99.


How can a young driver reduce their car insurance premiums?

Insurance can be expensive for young drivers so we've put together some tips on how to reduce car insurance costs. See our advice 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 online account.

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

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Buying your cover


When does my insurance start?

You can buy your insurance up to 30 days before the policy start date.

So when you pay using a debit or credit card, whether online or by 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.


Do AA members get a discount on car insurance?

If you're a member, you could get a discount when you insure your car online for the first time, and on subsequent renewals if you remain a member.


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

A vehicle modification is a change to its original specification. This excludes added optional features when the vehicle was purchased from the manufacturer.

Tow bars and parking sensors are not modifications.

If your car has been modified we can give you an online quote for a maximum of 3 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 can increase the premium, as they present a higher risk than original components.

Accordingly, if your car has more than 3 modifications, or the modification isn't listed, we won't be able to give you a quote.

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About your payment


Can I spread my payment in monthly instalments?

Yes, you can pay by monthly instalments. When you buy your insurance by monthly instalments an initial deposit is paid by card, then the rest of your payment will be made in 11 monthly instalments by Direct Debit.

The dates of the instalments will be shown in the Credit Agreement sent to you by post – it takes about 5 working days to arrive.

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 software 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.

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Your policy documents


Can I access the policy documents online?

After you've purchased your car insurance, the policy documents will be available in your online account.

It's easy to register, and you'll see all your AA policies in one handy place.

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Using the car


Am I covered for towing caravans or trailers?

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

If you have comprehensive insurance, a single-axle trailer attached to your car will also be covered for damage up to £500. The trailer must be in a safe and roadworthy condition.


When do I need to declare business use?

When you get a quote, select 'Social, domestic, pleasure, commuting and business use' for journeys to various places in connection with your work, such as offices or factories.

Whereas when you travel to a single permanent place of work, select 'Social, domestic, pleasure and commuting'.


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

No. When you get a quote, select 'Social, domestic and pleasure' if you use your car for voluntary work.

Our panel of insurers operates under the statement issued by the Association of British Insurers:

'The insurers 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 HMRCmileage 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.'

But if you transport goods or people as part of your voluntary work, then please call 0330 053 0228 for a quote.

If you call us about an existing policy to say you now do voluntary work, we won't charge an administration fee to update it.


Can I drive other cars?

Yes, our comprehensive insurance allows you to drive other vehicles with third-party cover, unless specifically excluded by your insurer. If this cover is excluded, it will be shown on your quote as an endorsement.

If you've already bought carinsurance from us, the Certificate of Insurance will confirm you can drive other cars. The conditions that apply to this benefit are in the Car Insurance Policy Booklet.

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Driving abroad


Can I drive abroad with my car insurance?

Our standard AA Car Insurance and our AA Gold or Platinum car insurance allow you to drive anywhere in the EU, and in several other European countries, with the same level of cover you have in the UK for up to 90 days during your policy year.

Silver car insurance provides cover for up to 30 days during your policy year.

Remember, as a tourist or for other reasons you can stay within the EU for 90 days in any 180-day period. You may need a visa for a stay longer than 90 days.

Depending on your insurer, you could 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.

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The policy excess


What is a policy excess?

This is the amount of money you must pay towards the cost of a claim.

The amount is the combination of a compulsory and a voluntary excess, and this is shown on your quote.

Compulsory excess – this is the amount the insurer says you'll have to pay towards each claim.

Voluntary excess – this is a variable amount you choose to pay on top of the compulsory excess, usually up to £500.

The compulsory excess varies between Silver, Gold and Platinum car insurance for certain claims, and Platinum can have a lower excess.

Always check that you're comfortable with the policy excess before you buy car insurance.


Can I pay a voluntary excess?

Yes, you can pay a voluntary excess towards the cost of a claim, usually up to £500.

Typically, you pay less for your car insurance if you select a higher voluntary excess when you get a quote.

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No claims discount


What is a no claims discount?

A no claims discount is a reward for not making a claim on your car insurance in the past policy year.

The number of no claims discount years will be shown on your renewal invitation or current Certificate of Insurance.

If you do make a claim, your discount will normally be less at the next renewal if your insurer can't get their money back from the person responsible.


Where can I find proof of my no claims discount?

New customers
When you get a car insurance quote, we ask how many years no claims discount you already have. This information is 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 2 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:

[emailprotected]

The AA
Q3, Quorum Business Park
Benton Lane
Newcastle upon Tyne NE12 8EX

The document should show:

  • Your name and address
  • The previous insurance policy number and expiry date
  • The vehicle registration number
  • Number of years no claims discount

On receipt we'll acknowledge the proof of your no claims discount. If we do need further information, we'll allow you sufficient time to provide it. Meanwhile, your AA car insurance policy remains active.

Existing customers
If you already have car insurance with us, the number of years no claims discount is on your Certificate of Insurance. You'll have received a copy at purchase or renewal, either by post or in your online account. If you need a replacement Certificate of Insurance, please call us on 0370 533 2211.


Can I protect my no claims discount?

Yes, you can pay an additional premium to protect your no claims discount.

No claims discount protection allows you to make one or more claims before your number of no claims discount years falls.

A claim for windscreen repair or replacement won't affect your no claims discount.

No claims discount protection doesn't protect the renewal price of your insurance policy. The premium may increase following an accident, even if you weren't at fault.


What is the AA Uninsured Driver Promise?

If you make a claim following an accident that is not your fault, and the driver of the other vehicle is not insured, you won't lose your no claims discount or have to pay any excess.

We just ask you to tell us the other vehicle's make, model and valid registration number, so that we can identify the driver of the other vehicle.


Can a named driver earn a no claims discount on my policy?

Yes they can. Named drivers over 25 can earn their own no claims discount to use on a policy with us. See our page about named drivers.

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Security devices


What is a Thatcham certified security device?

Thatcham Research, based in Thatcham, Berkshire, certifies car security products. Most insurers like these products and could give you a discount if you have them in your car.


What is a car tracking device?

A GPS tracker hidden in a car can help the police find it if its stolen, and most cars that have one are found. You can pay up to 10% less for your motor insurance if your car has a GPS tracker.

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Your idendity check


I've got an email from Mitek

When you buy insurance from us, we want to be sure no one else is using your identity. That's why we may send an email after purchase asking you to complete an identity check.

When you start the check, our trusted partner Mitek will ask you to upload a selfie image and a copy of your driving licence or other identity documents. This is done via a secure portal and your details won't be kept or used for any other purpose.

Mitek will only share your personal details with us, and once the identity check is done Mitek will delete all of your documents.

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Car insurance | Get a car insurance quote from AA Insurance (2024)

FAQs

Who typically has the cheapest car insurance? ›

Cheapest Car Insurance Company
  • Travelers. $58. $141.
  • Auto-Owners. $42. $158.
  • Country Financial. $48. $163.
  • Erie Insurance. $55. $158.
  • Geico. $52. $166.
  • Nationwide. $73. $172.
  • Progressive. $72. $194.
  • State Farm.
Aug 13, 2024

What are 4 factors of getting a quote in car insurance? ›

What factors affect car insurance rates?
  • Driving record. Drivers with clean motor vehicle records and no at-fault accidents typically get the cheapest car insurance. ...
  • Prior insurance. ...
  • Credit history. ...
  • Location. ...
  • Age and gender. ...
  • Vehicle.
Apr 25, 2024

Which type of car insurance is the cheapest? ›

Typically, fully comprehensive insurance is the least expensive, though prices are influenced by individual circumstances.

What car insurance is the cheapest for full coverage? ›

  • American National, Country Financial, Nationwide, Erie and USAA offer the five cheapest full-coverage insurance policies.
  • According to our rate data, the national average annual cost of a full-coverage car insurance policy is $2,008 per year.
Aug 7, 2024

What's the best car insurance for the money? ›

Best Car Insurance Companies of August 2024
Best car insurance categoryCompany winner
Best insurance company for affordabilityAmerican Family
Best insurance company for accident forgivenessGeico
Best insurance company for having few customer complaintsShelter
Best insurance company for financial strengthAuto-Owners
5 more rows
Aug 12, 2024

Is $500 a lot for car insurance? ›

Yes, $500 a month for car insurance is very expensive. The average cost of car insurance ranges from about $60 per month for state-minimum coverage to $166 per month for full coverage, though individual car insurance rates vary based on factors such as driving record, age and location.

Does credit score affect car insurance? ›

Besides your driving history and type of vehicle, your credit score can influence what you pay for auto insurance.

What type of driver generally pay more? ›

Your driving record – The better your record, the lower your premium. If you've had accidents or serious traffic violations, it's likely you'll pay more than if you have a clean driving record. You may also pay more if you're a new driver without an insurance track record.

What are three factors that lower your cost for car insurance? ›

Common rating factors include age, location, driving history, credit score, and more. Put simply, the less risky your rating factors are, the cheaper your car insurance policy will be. Some auto insurance rating factors — such as driving record or vehicle type — have relatively sizeable impacts on car insurance costs.

Which gender pays more for car insurance? ›

Why do men pay more for auto insurance? Men pay more for auto insurance on average because they're statistically more likely to get into accidents and to have major injuries. However, male drivers only pay about $51 more per year than their female counterparts on average.

What is a 250 deductible? ›

We are often asked: How do deductibles work? If, for example, you choose a deductible of $250, you'll need to pay the first $250 of a covered claim(s) in any period of cover directly to your hospital, clinic, or doctor at the time of treatment.

How might you reduce premium rates for vehicle insurance? ›

If you're wondering how to get a lower car insurance rate, use these methods for lowering your premium:
  1. Qualify for insurance discounts. ...
  2. Increase your deductible. ...
  3. Reduce your coverage. ...
  4. Compare rates. ...
  5. Try usage-based insurance. ...
  6. Take a defensive driving course. ...
  7. Get a car that's cheaper to insure.

What is the lowest car insurance group? ›

So it's important to understand insurance groups – after all, there are 50 of them in total. Cars in group 1 are the least risky from an underwriter's perspective and the cheapest to insure. Those in group 50 are the riskiest and most expensive – usually higher performance models and luxury SUVs.

What is the #1 auto insurance in the US? ›

Best Car Insurance Companies of August 2024
Best car insurance categoryCompany winner
Best insurance company overallTravelers
Best insurance company for affordabilityAmerican Family
Best insurance company for accident forgivenessGeico
Best insurance company for having few customer complaintsNJM
4 more rows

At what age is car insurance cheapest? ›

Experienced drivers are less likely to have accident claims, which means they cost less to insure. At Progressive, the average premium per driver tends to decrease significantly from 19-34 and then stabilize or decrease slightly from 34-75. At age 75, the average premium begins trending upward.

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