AA Car Insurance Review
The AA (Automobile Association) combines roadside assistance expertise with comprehensive car insurance. Their policies feature unique benefits drawing on their extensive automotive experience.
Company & Policy Details
Company Information
Established
1905
Underwritten by
AA Underwriting Insurance Company Limited
Market Position
Customer Service Hours
Mon–Fri: 8am–8pm, Sat: 9am–5pm, Sun: 10am–4pm
Ratings & Performance
Claims Satisfaction
Financial Strength
A+
Mobile App
Policy Features
No Claims Discount Protection
Up to 5 years
Telematics Option
Available
Multi-Car Discount
Available
New for Old Replacement
Vehicles up to 2 years old
Uninsured Driver Promise
Included
Paperless Discount
Available
Key Benefits
- Complimentary AA Breakdown cover with comprehensive insurance
- Onward travel and overnight accommodation if you break down
- Member discounts and additional benefits
Available Features
Customer Service
Premium Range
From
£285.00
Average
£383.33
Cover Types
- Comprehensive
- Third Party Fire & Theft
- Third Party Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
33.3%
Frequently Asked Questions
What makes AA car insurance unique?
AA insurance combines their extensive roadside experience with comprehensive car coverage. They offer unique features like complimentary breakdown cover and repair assurance.
How does AA handle breakdowns and accidents?
The AA provides an integrated service handling both breakdowns and accidents. Their nationwide network of approved repairers and patrols ensures quick response times.
What member benefits are available?
AA members receive exclusive discounts on insurance, additional breakdown benefits, and access to the AA rewards program with savings at major retailers.
Can I combine breakdown and insurance cover?
Yes, you can combine breakdown and insurance for a comprehensive package. This often comes with a discount and provides seamless coverage for all car-related incidents.
In-Depth Provider Analysis
Expert Analysis: AA Car Insurance
AA Car Insurance leverages the long-standing trust of the Automobile Association, offering a mix of core and optional features alongside the famous AA breakdown services. As one of the UK’s best-known brands, the AA has expanded its product range to include car insurance that benefits from its service infrastructure. Their insurance packages offer customisable options and exclusive discounts for AA members, making it a compelling option for drivers who want bundling and reliable support.
Professional Editorial Review
AA Insurance is a logical step for existing members and those who value bundled services and support. While pricing isn’t the lowest, customer loyalty perks and bundled convenience deliver excellent perceived value.
Market Position
Trusted mid-to-premium option leveraging brand strength and loyalty.
Pricing Strategy
Mid to Premium – Higher base pricing, but considerable added value through bundling.
Who Should Consider AA? A Detailed Analysis
AA members, frequent drivers, and those who already rely on AA’s roadside support or vehicle services.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Recognised national brand with strong trust scores
Excellent for bundling insurance and breakdown services
Good value when bundled, especially for long-term customers
Transparent online quote process
Add-ons include hire car cover and legal assistance
Important Considerations
Not the most competitive price unless bundled with other services
Some complaints about claims handling delays
Premiums may be higher for non-members
Mobile experience less developed than newer entrants
What Makes AA Stand Out
Bundled deals with AA Breakdown Cover
24/7 claims helpline with UK-based support
Courtesy car and uninsured driver promise
Exclusive member discounts
Wide national network of repair centres
Claims Process Analysis
Claims are made via a 24/7 UK helpline or online. Customers using AA-approved repairers benefit from guaranteed work and optional courtesy cars. Resolution timelines vary by complexity but generally fall within 7–10 business days.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Customer service is UK-based and reliable, though some users report delays during peak periods. The real value is realised when bundling services, which also improves customer priority in support queues.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how AA fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether AA's approach aligns with your needs.
Average Claim Settlement Time
15 days
Source: Financial Conduct Authority
Young Driver Premium Increase
+127%
Source: Confused.com Price Index
Percentage of Drivers Switching Insurers in 2024
39%
Source: GoCompare Switching Trends Survey
UK Car Insurance Market Size
31 million policies
Source: Statista UK Insurance Report
Average UK Car Insurance Premium 2024
£694
Source: Association of British Insurers
Average Cost of Car Insurance Fraud Per Case
£1,150
Source: Insurance Fraud Bureau, 2024
Customer Satisfaction Average
72%
Source: Consumer Intelligence
Black Box Policy Uptake Among Drivers Under 25
51%
Source: Compare the Market, 2024 Telematics Report
These market statistics help put AA's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a qualified insurance professional with over 8 years of experience in the UK insurance market. She specializes in motor insurance analysis and consumer advocacy.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 9/28/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About AA
How does AA compare to other budget insurers in terms of value for money?
AA positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from AA's claims process?
Claims are made via a 24/7 UK helpline or online. Customers using AA-approved repairers benefit from guaranteed work and optional courtesy cars. Resolution timelines vary by complexity but generally fall within 7–10 business days. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is AA suitable for young or inexperienced drivers?
AA can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is AA for long-term coverage?
AA has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like AA work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofAA's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from AA for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with AA
How to Get Coverage
- Visit AA's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact AA directly for the most accurate and up-to-date quotes for your specific situation.