AA Insurance
A direct insurer selling car insurance online and by phone, with three levels of cover.
Last checked against AA Insurance's own pages and wording on 2026-09-16
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What cover does AA Insurance sell?
All 3 levels: third party only, third party fire and theft, comprehensive. That is quoted from AA Insurance’s own page, read 2026-09-16. What each level pays for is the same three-way split everywhere; the limits and exclusions are set by the wording.
“Third Party — Cover for accidental damage that you have caused to someone else's car” — AA Insurance, Car Insurance, read 2026-09-16
What does AA Insurance’s policy wording say?
It publishes something we could read on 6 of the 9 points below: agreed or market value, standard excess, windscreen and glass, who can drive it, hire car after a claim, dispute resolution scheme. Each is quoted from its own page or policy document with the date. On the rest the figure is on your own schedule, and you have to ask.
Agreed or market value
Agreed value, set when the policy begins and reviewed at each renewal
“The agreed value is the amount determined when your policy begins and at each renewal. The agreed value is reviewed at each renewal and may be adjusted as the value of your vehicle depreciates” — AA Insurance, Comprehensive Car Insurance Policy, Updated April 2025, read 2026-09-16
Standard excess
No standard figure is published — your excesses are set out on your policy schedule
“Your policy schedule contains important information related to this policy document, including who's insured, your cover type, your agreed value and excesses.” — AA Insurance, Comprehensive Car Insurance Policy, Updated April 2025, read 2026-09-16
Under-25 or inexperienced driver
Not checked yet — this insurer publishes no figure we could read
Windscreen and glass
Excess-free glass cover is an optional extra
“Optional extra: Excess-free glass cover” — AA Insurance, Car Insurance, read 2026-09-16
Who can drive it
Anyone listed under “insured drivers” on the policy schedule
“Anyone who is listed under the 'insured drivers' section of your policy schedule is covered to drive your vehicle” — AA Insurance, Car Insurance, read 2026-09-16
Hire car after a claim
Optional rental cover, running until the vehicle is repaired or the claim is settled rather than for a fixed number of days
“If we have accepted your claim and you are without a vehicle, we will provide you with a subcompact rental vehicle. You are covered under this benefit until your vehicle is repaired or we determine your claim is settled.” — AA Insurance, Comprehensive Car Insurance Policy, Updated April 2025, read 2026-09-16
Roadside assistance
Not checked yet — this insurer publishes no figure we could read
Dispute resolution scheme
An internal Customer Resolution Service; no external scheme is named in the material we read
“We can explain our complaints procedure to you, and we have a Customer Resolution Service to help you if needed.” — AA Insurance, Comprehensive Car Insurance Policy, Updated April 2025, read 2026-09-16
Underwriter
Not checked yet — this insurer publishes no figure we could read
Is this a review of AA Insurance?
No. There is no rating, no score and no verdict here, and nothing on this page says whether AA Insurance suits you — nobody here has looked at your situation, and an opinion about which policy a particular person should buy is financial advice. It is a record of what the insurer publishes.
Every list of insurers on this site is in alphabetical order by name. Nothing is ordered by whether an insurer pays us, and no insurer can pay to change its position, its facts or whether it appears at all.
Spotted something out of date? Tell us and we’ll fix it or mark it unchecked. We aim to do that within 5 working days.
Sources
Read on 2026-09-16. If a source and this page disagree, the source is right.