AA Car Insurance
Full product details for the AA Car Insurance, including car insurance details, application criteria, discounts, excess, payments & fees, claims, courtesy car, cover, cover abroad, equipment cover, medical cover and windscreen cover. Apply online now.
 |  Compare AA car insurance details against other car insurance or use our car insurance comparison tables.Did you know AA also provide savings, home insurance, pet insurance, travel insurance, van insurance, motorbike insurance and breakdown cover? | ||
| Company: | AA www.theaa.com | AA www.theaa.com | AA www.theaa.com |
| Product: | Car Insurance (Members) | Car Insurance (Non Members) | Car Insurance (Members) |
| details | details | details | |
| Quote via this site: |  | | |
| | | |
| Car Insurance Details | |||
 Online Discount: | 12.5% | 12.5% | 12.5% |
| 2nd Car Discount: | 10 | 10 | 10% |
| Max NCD: | 65% | 65% | 65% |
| Intro NCD: |  | | |
| Courtesy Car: | standard | standard |  |
| Windscreen Cover: | standard | standard | |
| Adjustment Fee: | £25 | £25 | £25 |
| Application Criteria | |||
| Max Age: | 93 | 93 | n/a |
| Cancellation Period: | 7 days | 7 days | 7 days |
| Discounts | |||
| NCD Protection: | | | |
| Guaranteed NCD: | | | |
| NCD Prot Claims: | 2 in 3 or 2 in 5 years | 2 in 3 or 2 in 5 years | 2 in 3 or 2 in 5 years |
| NCD Scale: | up to 65% | up to 65% | up to 65% |
| Named Driver NCD: | | | |
| Multi Car Discount: | 0 | 0 | 0 |
| Alarm Discount: | varies | varies | varies |
| Immobiliser Discount: | varies | varies | varies |
| Max Security Discount: | varies | varies | varies |
| Company Car Discount: | | | |
| Multi Product Discount: | | | |
| Excess | |||
| Fire & Theft XS: | varies | varies | varies |
| Driver 21-24 Excess: | varies | varies | n/a |
| Driver <21 Excess: | varies | varies | n/a |
| Inexp Driver XS: | varies | varies | n/a |
| AD Excess: | varies | varies | n/a |
| Windscreen XS - Repair: | £0 | £0 | n/a |
| Windscreen XS - Replace: | £60 | £60 | n/a |
| Windscreen XS - Non-App: | £60 | £60 | n/a |
| Payments & Fees | |||
| DDM Payments: | 11 | 11 | 11 |
| DDM APR: | 24.9% | 24.9% | 24.9% |
| Setup Fee: | £0 | £0 | £0 |
| Duplicate Documents Fee: | £25 | £25 | £25 |
| Cancellation Fee: | £75 | £75 | £75 |
| Renewal Fee: | £0 | £0 | £0 |
| Payment Default Fee: | 0 | 0 | 0 |
| Year 1 Cancellation: | short period plus canc. fee | short period plus canc. fee | short period plus canc. fee |
| Year 2 Cancellation: | pro-rata plus £11 or greater canc. fee | pro-rata plus £11 or greater canc. fee | pro-rata plus £11 or greater canc. fee |
| Claims | |||
| Basis of Settlement: | click here | click here | click here |
| General Conditions: | click here | click here | click here |
| General Exclusions: | click here | click here | click here |
| Endorsements: | click here | click here | click here |
| Courtesy Car | |||
| Courtesy Car Premium: | 0 | 0 | n/a |
| Courtesy Car Provider: | repairer | repairer | n/a |
| Class of Courtesy Car: | small hatchback | small hatchback | n/a |
| Courtesy Car Period: | during repair | during repair | none |
| Courtesy Car Guarantee: | availability | availability | n/a |
| Total loss courtesy car: | optional | optional | optional |
| Total loss car period: | 21 | 21 | 14 |
| Enhanced Courtesy Car: | | | n/a |
| Gteed Courtesy Car: | n/a | n/a | |
| Cover | |||
| Underwriter: | panel | panel | panel |
| Valet Parking: | | | |
| Cooling Off Period: | 14/pro-rata plus admin fee | 14/pro-rata plus admin fee | 14/pro-rata plus admin fee |
| Accidental Damage: | | | n/a |
| Max Value: | market value | market value | market value |
| New Car Damage: | 60 | 60 | 60 |
| New Car Replacement: | | | |
| New Car Period: | 12 months | 12 months | 12 months |
| Foreign New Cars: | | | |
| Legal Costs: | £5,000,000 | £5,000,000 | £5,000,000 |
| Rescue Cover: | cost | cost | |
| Rescue cover basis: | repairer/home | repairer/home | repairer/home |
| Fire & Theft: | | | |
| Car Sharing: | | | |
| Motor Trade: | | | |
| Loss of Road Tax: | | | |
| Suspension of Cover: | | | |
| No Blame No Claim: | | | |
| Uninsured Driver Benefit: | | | n/a |
| Accident - Transport: | | | n/a |
| Repairs Guarantee: | | | |
| Repairs Guar - Period: | 0 years | 0 years | 0 years |
| Onward - Transport: | n/a | n/a | |
| Breakdown Cover: | n/a | n/a | optional |
| Hotel Expenses: | £40 | £40 | £0 |
| Max Hotel Exp: | £200 | £200 | £0 |
| Road Rage: | 0 | 0 | 0 |
| Car Jacking: | 0 | 0 | n/a |
| Cover Abroad | |||
| Foreign Use: | standard | standard | standard |
| Max Free Foreign Days: | 90 days | 90 days | 90 days |
| Max Foreign Trip: | 90 days | 90 days | 90 days |
| Green Card: | | | |
| Customs Duty: | | | |
| Equipment Cover | |||
| Personal Belongings: | 500 | 250 | 0 |
| Audio Limit - Man: | Unlimited | Unlimited | Unlimited |
| Audio Limit - Non-Man: | £1,000 | £500 | £1,000 |
| Sat. Nav. Limit - Man: | Unlimited | Unlimited | Unlimited |
| Sat. Nav. Limit - Non Man: | £1,000 | £500 | £1,000 |
| Fixed Car Phones: | | | |
| Child Car Seat: | | | |
| Car Seat Claims Basis: | full repl. if damaged | full repl. if damaged | n/a |
| Theft of Keys: | 500 | 500 | 500 |
| Loss of Keys: | £500 | £500 | £500 |
| Keys in Car Exclusion: | | | |
| Attached Trailers: | £500 | £500 | £0 |
| Medical Cover | |||
| Medical Expenses: | £400 | £300 | £0 |
| PA - Max Age: | Unlimited | Unlimited | n/a |
| PA - Disability: | £7,500 | £5,000 | £0 |
| PA - Sight: | £7,500 | £5,000 | £0 |
| PA - Death: | £7,500 | £5,000 | £0 |
| Third Party Injury: | Unlimited | Unlimited | Unlimited |
| Third Party Property: | £20,000,000 | £20,000,000 | £20,000,000 |
| Physio. Treatment: | | | n/a |
| Windscreen Cover | |||
| Windscreen Limit: | Unlimited | Unlimited | £0 |
| Windscreen Limit Non-App: | Unlimited | Unlimited | n/a |
| Windscreen - Windows: | | | |
| Windscreen - Sunroofs: | | | |
| Windscreen Etching: | | | |
| Windscreen Helpline: | | | |
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