Is AA a Good Insurance Company?
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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodologyYou are considering buying an insurance policy at AA and are wondering if AA is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about AA: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
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Good to know
Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for AA.
Who is AA?
AA (the Automobile Association) was founded in 1905 and started by selling motor insurance. The company is now one of the most famous insurer name in the UK mainly known for offering great breakdown cover deals but also home, pet, travel, caravan, van, loans and savings plans. AA is a public insurance company listed on the London Stock Exchange since 2014 as AA plc.
The company reported revenue in 2017 reached £940M.
From all indication AA Insurance used to have a very good footing in the past. In recent years they seem not to be at their best, this is evident from the not so favourable tales from customers that have taken the pain to sail with them.
What are the main insurance policies available at AA?
Let's discover below main insurance policies offered by AA.
| Safe overall rate | Our reviews | |
|---|---|---|
| Car insurance | Get to know more | |
| Travel insurance | Get to know more | |
| Home insurance | Get to know more |
AA expert and consumers reviews: Defaqto, TrustPilot
AA is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at AA.
| Defaqto | |
|---|---|
| Car insurance | 4 |
| Home insurance | 4 |
Is AA a good car insurance company?
3,4 Safe overall rating for AA car insurance
The comprehensive car insurance offered by the company is its strength while its service delivery is poised to bringing the company to its doom.
In addition to typical car insurance coverage choices, AA offers, among other options:
Breakdown cover
Roadside breakdown assistance can be assessed 24/7 through the company’s mobile app available on Android and Apple play store. Alternative methods of transportation, nationwide recovery, repair and replacement of damaged parts are some of the services covered by the breakdown cover option.
Windscreen cover
- AA comprehensive car insurance covers windows, windscreen, sunroof and replacement and repairs as the case may be
- Customers can opt for the stand-alone windscreen cover at only £30 a year.
Motor legal protection
Up to £50,000 is provided in legal assistance to reclaim loss and compensation for injury in case of an accident that is not the customer's fault.
Personal injury policy
Up to £60,000 for policy holders and their spouses. Personal policy injury option is only available for customers and their spouses that falls between the ages of 17 and 79.
Besides main car insurance coverage, you can also get extra car insurance options at AA. Get to know more, read our complete review on AA car insurance.
Is AA a good travel insurance company?
3,4 Safe overall rating for AA travel insurance
Even though AA Insurance has been in the market since 1905 making it one of the most experienced insurance companies in the UK, the low customer satisfaction rate on Trust Pilot and lack of Defaqto rating suggest otherwise.
For stress free travel insurance experience, should consider looking at other competent travel insurance companies such as Esure, World First and Saga Travel Insurance.
For single and annual multi-trip cover, age and maximum number of days limits at AA are:
| Main travel insurance policies | Available at AA |
|---|---|
| AA maximum number of days limit | Single Trips up to 186 days (varies with age). Annual Multi Trip: Unlimited number of trips no longer than 46 days. |
| AA age limit | Up to 64 years old |
You will find AA cover details (compensations, deductibles, extras etc.) for single and annual multi-trip policies in our review.
Besides main travel insurance policies, AA also provides extra cover such as:
- backpackers travel insurance
- long stay travel insurance
- winter sports cover
- golf cover
- cover for business trips
- cruise gear
- gadget cover
>> MORE: read our complete review on AA travel insurance.
Is AA a good home insurance company?
4,4 Safe overall rating for AA home insurance
AA offers two different level of protection for your home through its standard Home Insurance plan and the more comprehensive AA Home Insurance Plus Policy.
The standard home insurance plan allows you to cover your home up to £1M and provides £45k alternative accomodation cover in case your home is damages. Accidental damage cover is included as standard for electrical and gas items such as TV or washing machine. The unoccupancy period cover is only 30 days though. The policy is rated 4 stars by Defaqto.
The Home Insurance Plus policy is rated 5 stars by Defaqto. Maximum sum insured for both building and contents are unlimited (contents replacement is new for old option). Contents insurance covers up to £7500 for items in the open or outbuildings.
AA building insurance
You will find below building main insurance details for the Home Insurance cover at AA:
- Maximum sum insured for your property: £1 000 000
- Owner's liability: £2 000 000
- Alternative emergency accomodation: £45 000
- Period of home's unoccupancy cover: 30 days
- Trace and access: Not stated
- Keys cover: £1 000
- Subsidence excess: £1 000
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
|
| Boiler cover | Not covered |
| Family legal protection |
|
AA contents insurance
You will find below contents insurance details for the Home Insurance cover at AA:
- Maximum sum insured for your contents: Sum insured
- Alternative emergency accomodation: 20% of the insured value
- Single item limit: £1 500
- Contents in the open: £1 000
- Contents in outbuildings: £6 000
- Money / credit card kept at home: £750 / £500
- Items temporarily removed from home: £1 000
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover | Available as extra |
| Personal possessions cover | Available as extra |
| Mobile cover | Available as extra |
| Bike cover | Available as extra |
Standard excess to report a claim at AA is £100.
You will find exhaustive cover details, administration fees, contacts etc. on AA home insurance on our review below.
>> MORE: read our complete review on AA home insurance.
| Life insurance criteria | |
|---|---|
| Minimum age | |
| Maximum age | |
| Pay-out | |
| Extras | |
| Terminal illness |
AA discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Car insurance |
|
| Travel insurance | Yes, you can be eligibile for discounts if you're travelling as a couple or family. Registered AA members are also likely to receive exclusive offers and discounts. |
| Home insurance | Discount is given for buying combined policy. |
How to contact AA?
Find out how to contact and log in to AA on our contact page.
