Car insurance and breakdown assistance from the AA.


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About the AA

The AA was founded as the Automobile Association in 1905 by a group of 100 motorcar enthusiasts and early adopters. While initially focusing on helping drivers avoid police speed traps and putting up roadside danger signs, the AA offered its first insurance policy to members in 1907—23 years before it became a legal requirement for drivers to hold insurance. Long known for its roadside assistance and breakdown patrols, the AA formally entered the car insurance market in 1967, to give drivers policies from a name they recognised and trusted.

The AA remains a key player, having sold five million policies in the previous five years. And they offer cheap car insurance: reportedly 10% of its new customers pay less than £165 a year for their cover. Having branched into other insurance markets, the AA also sells van, home, bike and travel insurance policies. The AA also offers driving lessons and personal financial products; produces maps, travel and campsite guides; and rates hotels and restaurants.  

The AA remains the UK’s largest provider of breakdown cover, with a 40% share of the consumer market and a 60% share of the commercial market. AA Breakdown members receive a discount when taking out car insurance policies, making it a compelling choice for insurance for those members. 

What types of cover does the AA offer?

 The AA sells comprehensive and third party, fire and theft (TPFT) car insurance policies. 

Customers can reduce their premiums by opting for a telematics policy, which installs a black box to record their driving behaviour and adjusts their premiums accordingly. Drivers aged between 21 and 25 with one years’ no claims bonus qualify for an AA Smart Insurance telematics policy, which can trim the hefty premiums young motorists usually face.

You can top up your AA car insurance with additional cover, for an extra charge on your premiums:

  • European cover for up to 90 days
  • Motor legal assistance, with access to a 24-hour helpline with expert legal advice and access to up to £50,000 of legal assistance after a non-fault accident, in order to claim for: your car insurance policy excess, loss of earnings, compensation for injuries and alternative transport costs. 
  • Excess protection, allowing you to claim back your excess on one insurance claim for accidental damage, malicious damage, theft or attempted theft or fire during the 12 months of your policy

Why choose the AA?

AA policies come with some perks, including:

  • Access to a dedicated 24-hour claims helpline
  • No claims discounts of up to 65%
  • Discounts for those with AA membership for breakdown cover
  • New car insurance customers can also add on AA Roadside Assistance from £15 a year

Drivers taking out comprehensive car insurance policies with the AA benefit from additional advantages, including:

  • Courtesy car cover, giving you a comparable vehicle to drive for up to 21 days while yours is in for repairs following an accident, or if it’s been written off or stolen.
  • Uninsured driver promise, covering excess payments and preserving your no-claims discount if you’re involved in a non-fault accident with an uninsured driver
  • Brand new replacement vehicle if yours is less than 13 months old when it’s written off or stolen


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