Are Aa Car Insurance Any Good? -

Are AA car insurance any good? If you’re looking for reliable car insurance, you’ve probably come across **AA Car Insurance**. But is it actually worth your money?

Some insurance companies promise great coverage but fail when it’s time to make a claim. So, let’s break it down. We’ll cover **AA’s policies, prices, customer reviews, and whether it’s a good choice for you.**

Table of Contents

Who is AA Car Insurance?

AA, also known as **The Automobile Association**, has been around since 1905. They’re one of the **biggest names in UK car insurance** and are well known for their **breakdown cover and roadside assistance**.

But does their car insurance live up to the brand’s reputation? Let’s find out.

What Type of Car Insurance Does AA Offer?

AA offers a range of **car insurance policies**, from basic to fully comprehensive coverage.

Comprehensive Car Insurance: Covers **damage to your car, third-party claims, fire, theft, and personal injury**.

Third-Party, Fire & Theft: Covers **damage to others’ vehicles and property, plus theft and fire damage to your car**.
Third-Party Only: The **minimum legal cover**, which only protects you against **damage to other people’s cars and property**.

They also offer **black box (telematics) insurance for young drivers** and **temporary car insurance** for short-term coverage.

Is AA Car Insurance Affordable?

AA is known for **reliable coverage, but not always the cheapest rates**. Let’s see how their pricing compares:

✅ **Good for safe drivers:** If you have a clean driving record, you may get a competitive rate.
❌ **Not always the cheapest:** Some customers report that AA’s premiums can be **higher than budget insurers like Hastings or Admiral**.

✅ **Multi-car discounts:** If you insure more than one car, you may get a discount.

AA is generally **not the cheapest option**, but you’re paying for a **well-known brand with a strong reputation**.

What Do Customers Say? AA Car Insurance Reviews

Let’s look at **customer feedback** to see if AA car insurance is actually good.

Trustpilot & Online Ratings

AA Car Insurance has **mixed reviews** on platforms like Trustpilot.

✅ **Positive:** Many customers praise their **customer service and claims support**.
❌ **Negative:** Some report **higher-than-average renewal prices and slow claims processing**.

While some customers love AA’s reliability, others find them **more expensive than competitors**.

How Easy is it to Make a Claim with AA?

Filing a claim is the most important part of having car insurance. So, how does AA handle it?

AA Claims Process

If you need to make a claim, here’s what to expect:

Report the incident: Call AA’s claims department as soon as possible.
Provide details: Give them your **policy number, accident details, and any supporting evidence (photos, police report, etc.)**.
Claim assessment: AA will review your claim and provide an estimate for repairs.

Payout or repairs: If approved, they will cover the cost of repairs or compensate you.

While AA generally handles claims well, **some customers report delays in processing and communication**.

AA Car Insurance Benefits: What Do You Get?

AA offers some unique **benefits and add-ons** that make them stand out.

24/7 claims support: You can report accidents anytime.
Uninsured driver promise: If you’re hit by an uninsured driver, AA won’t make you pay an excess.
Personal injury cover: Protects you in case of serious injuries.

European cover: Drive in **EU countries for up to 90 days**.

These benefits make AA **a solid choice if you want premium coverage.**

Who is AA Car Insurance Best For?

AA might be the best choice for certain types of drivers:

✅ **People who want premium insurance and trusted service.**
✅ **Drivers who travel in Europe and need coverage abroad.**
✅ **Multi-car policyholders looking for discounts.**

However, if you’re looking for **the cheapest car insurance**, AA might not be the best option.

Is AA Car Insurance Good for Young Drivers?

Young drivers typically face **higher premiums**, so is AA a good choice?

AA Telematics (Black Box) Insurance

AA offers **black box insurance**, which can reduce costs for young and new drivers.

Pros for Young Drivers:

✅ **Lower premiums if you drive safely.**
✅ **Potential discounts on renewals.**

Cons for Young Drivers:

❌ **Restrictions on driving hours (e.g., late nights can impact your score).**

❌ **Some don’t like being tracked.**

If you’re a safe driver, **AA’s black box policy can help lower your insurance costs**.

How to Get the Best Deal on AA Car Insurance

If you’re considering AA, here are a few ways to **save money on your policy**:

Compare quotes: Never auto-renew without checking other providers.
Increase your voluntary excess: A higher excess lowers your premium.
Use a black box: Telematics policies can reduce costs for young drivers.

Pay annually: Monthly payments often include interest.
Limit your mileage: Fewer miles driven = lower risk.

AA isn’t always the cheapest, but **smart policy adjustments can help reduce costs**.

Final Thoughts: Are AA Car Insurance Any Good?

So, are AA car insurance any good? **It depends on what you’re looking for.**

✅ **Great for reliable coverage, strong customer service, and extra perks.**

❌ **Not the cheapest option, and some customers report slow claims processing.**

If you want a **trusted name in insurance with solid benefits, AA is a great choice**. But if you’re **just looking for the lowest price, other insurers might be better.**

What to Watch Out For with AA Car Insurance

Before signing up, it’s important to know some potential downsides:

Higher renewal prices: Many customers report that **renewal premiums increase significantly** compared to their first-year price.
Claims delays: Some reviews mention that **processing claims can take longer than expected**.
More expensive than budget insurers: AA isn’t always the cheapest compared to providers like Hastings Direct or Admiral.

While AA offers **premium service**, it may not always be the best choice if you’re looking for the lowest price.

Does AA Offer Multi-Car Insurance Discounts?

Yes, AA offers **multi-car insurance**, which can save money if you have more than one vehicle in your household.

Multi-Car Policy Benefits:

✅ **Discounts for multiple vehicles.**

✅ **All cars are covered under one policy, making renewals easier.**
✅ **Each driver earns their own no-claims discount.**

If your household has multiple vehicles, **AA’s multi-car discount can make their policies more affordable**.

How Does AA Compare to Other Car Insurance Providers?

If you’re still wondering whether AA is the right choice, here’s a comparison with other top insurers:

Insurance Provider	Best For	Key Benefits
AA	Reliable service & premium perks	Strong customer service, European cover, breakdown assistance
Admiral	Multi-car policies	Cheaper multi-car insurance, good for families
Direct Line	Quick claims processing	Not on comparison sites, solid customer support
Hastings Direct	Affordable policies	Budget-friendly premiums, telematics options
LV=	Best for claims support	Highly rated claims handling, good customer service

AA is **a great choice if you want strong customer support and added benefits**. However, if you’re looking for **the absolute cheapest insurance, a budget provider like Hastings Direct may be better**.

Is AA a Good Option for High-Risk Drivers?

If you’ve had previous claims, points on your license, or accidents, you may be considered a **high-risk driver**.

AA does cover high-risk drivers, but **your premium will be higher**. If you’re struggling to find affordable insurance, it may be worth checking with **specialist providers like Adrian Flux or Marmalade**.

How to Cancel AA Car Insurance

Need to cancel your policy? Here’s how it works:

Call AA’s customer service team.

Provide your policy number and reason for cancellation.
Pay any applicable cancellation fees (these depend on how far into your policy you are).
Receive confirmation that your policy has been canceled.

Tip: If you cancel within the **14-day cooling-off period**, you should receive a full refund (minus admin fees).

Does AA Offer Temporary Car Insurance?

Yes! If you only need insurance for a short period, **AA offers temporary car insurance policies**. These can last from **one hour to 30 days**.

Who is Temporary Car Insurance Good For?

✅ **Borrowing a friend’s or family member’s car.**

✅ **Test-driving a car before buying it.**
✅ **Short-term driving needs (road trips, temporary work vehicles, etc.).**

AA’s **temporary car insurance** is **flexible and easy to set up online**.

Frequently Asked Questions

Is AA car insurance good for new drivers?

Yes, especially if you choose their **black box policy**, which can lower costs for young or new drivers.

Does AA car insurance cover driving abroad?

Yes! Their policies typically include **European coverage for up to 90 days**.

Does AA car insurance have cancellation fees?

Yes, but the fee depends on **how far into your policy you are**. Check your policy documents for details.

Can I get AA car insurance without breakdown cover?

Yes, breakdown cover is optional. You don’t have to include it in your policy.

What happens if I don’t renew my AA car insurance?

Your policy will expire, and you’ll need to find a new insurer. Always compare quotes before renewing.

Final Verdict: Are AA Car Insurance Any Good?

So, are AA car insurance any good? Here’s the bottom line:

✅ **Good if you want premium insurance, excellent customer support, and added perks.**

❌ **Not the best if you’re looking for the absolute cheapest car insurance.**

AA is a **trusted brand with strong customer service and great benefits**. If you value reliability over price, **AA is a great choice**.

However, if you’re **just looking for the lowest premium, consider budget insurers like Hastings Direct or Admiral**.