AA Car Insurance Review

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What is the car insurance coverage offered by AA?

AA offers two main levels of coverage: third-party liability and theft, fire, and comprehensive insurance.

Third-party liability and theft:

– Coverage for injuries to other people

– Coverage for damage to other people’s property

– Coverage for fire damage

– Theft coverage

– Coverage for new car replacement

– Coverage for equipment installed in the vehicle

– Coverage for locks and keys

– Coverage for child seats

– Coverage for continuous travel

– Coverage for driving abroad

Comprehensive insurance:

– Coverage for accidental damage to the vehicle

– Coverage for new car replacement

– Coverage for equipment installed in the vehicle

– Coverage for locks and keys

– Coverage for child seats

– Coverage for personal belongings

– Coverage for trailer damage

– Medical expenses coverage

– Personal accident coverage

– Undertaking not to insure by an uninsured driver

Other car insurance policies from AA

In addition to the above policies, AA also offers:

– Electric car insurance

– Temporary car insurance

– Learner driver insurance

Overview of AA’s car insurance policies

Third-party liability and theft coverage: third-party liability and theft

Comprehensive insurance coverage: comprehensive insurance

Age group: everyone

Level of coverage: third-party liability and theft, comprehensive insurance

Coverage for injuries to other people: yes

Coverage for damage to other people’s property: yes

Theft coverage: yes

Coverage for fire damage: yes

Coverage for repairing your car after an accident: no

Coverage for legal road assistance: optional

Coverage for your medical expenses: no

Coverage for driving other vehicles: yes (if eligible)

Mechanical service coverage: optional

Coverage for a spare car: no

Coverage for car rental: optional

Coverage for windscreen replacement: no

Coverage for personal belongings: no

Coverage for locks and keys: yes (only in case of theft and fire)

Coverage for maintaining your rights for no claims: optional

Cancellation fees: £0 (during the 14-day cooling-off period, but AA will retain a £28 arrangement fee); £30 (after 14 days, and AA will also retain a £28 arrangement fee)

Optional add-ons for AA car insurance

You can add the following optional features to AA car insurance policies:

– Mechanical service coverage

– Legal road assistance

– Car rental coverage

– Accident plan

– Protection for your excess on no claims

How to make a claim with AA car insurance

If you need to make a car insurance claim through AA, you should follow these steps:

– Ensure everyone is safe: this includes you, your passengers, and any other third parties involved in the accident

– Exchange details: if there is a third party involved in the accident, you will need to exchange details, including your registration number and policy number

– Take photos: you should also take photos of any damage and note relevant details such as location, time of day, and weather conditions

– Contact AA as soon as possible: even if you do not intend to make a claim, you should inform your provider of the accident as soon as possible. You can contact AA at 0330 053 0322, report the accident online, or through their mobile app

– AA will arrange the next steps: once AA is informed of the type of claim you wish to make, the company will inform you of the next steps, whether that is arranging repairs or sending a recovery vehicle

How to cancel AA car insurance

If you wish to cancel your car insurance with AA, you will need to contact the service provider at 0370 160 0138, or write to:

AA Insurance Services Limited

Q3 Quorum Business Park

Newcastle Upon Tyne

NE12 8EX

You will receive a full refund of your premium (if you cancel within 14 days) or a partial refund for the remaining time on the policy (after 14 days, provided you have not made a claim).

Depending

When you cancel your car insurance with AA, you will pay the following fees:

– Cancellation Period: Cancellation Fee

– Within 14 days of the purchase date, but before the policy starts: £0 (AA will also retain an arrangement fee of £28)

– Within 14 days of your policy start date: £0 (but AA will retain an arrangement fee of £28)

– After 14 days, or if AA needs to cancel your policy: £30 (AA will also retain an arrangement fee of £28)

How to Contact AA Car Insurance

If you need to contact AA about anything other than a claim, you can do so by:

– Live chat

– Phone: 0370 533 2211 (from 8 am to 7 pm Monday to Friday; from 9 am to 5 pm Saturday; closed on Sundays)

If you wish to make a complaint, you can:

– Call or text: 0344 209 0556 or 0161 333 5910

– Email: [email protected]

– Write: Member Relations, The Automobile Association, Park Square, Birdhall Lane, Cheadle, SK3 0XN

AA Car Insurance Customer Reviews

AA has an “Excellent” rating on Trustpilot with a score of 4.3 out of 5, based on over 21,400 reviews. It is important to note, however, that these ratings pertain to AA as a whole, not just to car insurance services.

Among the five-star reviews that mention car insurance, AA is highlighted for its claims process and the value of coverage as a new customer.

However, there are familiar complaints about significant increases in renewal quotes from existing customers, and some issues regarding the speed of insurance confirmation.

What is AA’s Defaqto Rating for Car Insurance?

In addition to its “Excellent” rating on Trustpilot, AA receives the following ratings from Defaqto:

– Third Party and Theft: ★★★ (for members and non-members)

– Third Party and Silver Theft: ★★★★ (for members and non-members)

– Comprehensive Insurance: ★★★★★ (for members and non-members)

– Comprehensive Silver: ★★★★ (for members and non-members)

– Comprehensive Gold: ★★★★★ (for members and non-members)

– Comprehensive Platinum: ★★★★★ (for members and non-members)

How Does AA Compare to Its Competitors?

Provider NameTrustpilot RatingDefaqto Rating

AA4.3 Stars5 Stars (4 Stars for Third Party and Silver Theft, and 3 Stars for Third Party and Theft)

Direct Line3.7 Stars5 Stars (3 Stars for Third Party and Theft and Basic)

People’s Choice1.4 Stars5 Stars (4 Stars for Third Party and Theft)

Hastings Direct4.1 Stars5 Stars (4 Stars for Third Party and Theft, 3 Stars for Telemetrics, 2 Stars for Basic)

Admiral Insurance4.4 Stars5 Stars (4 Stars for Telemetrics, 3 Stars for Basic)

Aviva4.0 Stars5 Stars (3 Stars for Third Party and Theft)

AXA4.3 Stars4 Stars (5 Stars for Add-ons)

LV=4.5 Stars5 Stars (3 Stars for Third Party and Theft)

esure3.1 Stars5 Stars (4 Stars for Third Party and Theft)

Ageas4.1 Stars5 Stars (3 Stars for Basic and Telemetrics)

NFU Mutual4.4 Stars5 Stars

Conclusion

With its “Excellent” rating on Trustpilot and praise for its claims process and coverage value as a new customer, AA is a good choice for car insurance.

It is also worth considering being an AA member already, as you will receive more generous claims limits in various cases.

There is also a wide range of coverage options to choose from, although they only appear when obtaining a quote from a price comparison site.

The absence of a promise regarding the garden – where the number of claims you make is not affected by acts of vandalism you report to the police – is a departure from other well-known providers. It also has a minimal coverage for personal accidents, even when you are an AA member, unless you purchase its accident cover plan.

Questions

Repeated about AA Car Insurance

Is AA good for car insurance?

Thanks to numerous five-star ratings from Defaqto for comprehensive coverage and an “Excellent” rating on Trustpilot, AA is a good choice for car insurance.

However, it lacks some features found in similar policies elsewhere, such as a promise regarding salvage and a personal accident cover of £10,000.

Who provides AA car insurance?

As AA is a car insurance broker, its coverage is underwritten by several different companies, including its own AA Underwriting Insurance Company Limited, as well as ABC / Highway, Acromas, Ageas, Allianz, AXA, CIS General Insurance, Covea, Premier Underwriting Limited, Zenith Insurance, and Zurich Insurance.

Connor Campbell

Connor Campbell is a personal finance and business writer who has been producing online content for nearly a decade. He currently works as a personal finance expert at Independent Advisor, helping readers navigate everything from insurance and bank accounts to energy and loans.

In his role as a writer and spokesperson at NerdWallet, Connor has explored many topics of interest, such as the impact of our society gradually moving away from cash, the struggles and triumphs of British entrepreneurs.

At Spreadex financial trading, his market commentary has been featured on platforms such as The Guardian, BBC, Reuters, and Evening Standard.

Connor is an avid reader with a master’s degree in English and is committed to making financial life decisions a little easier by eliminating jargon and unnecessary complexity.

Source: https://www.independent.co.uk/advisor/insurance/aa-car-insurance-review

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