Compare our cover levels

See which car insurance suits you best

Silver, Gold or Platinum comprehensive cover

Features and benefits of our car insurance

Silver
Silver
Gold
Gold
Platinum
Platinum
Defaqto 4 Star rating Defaqto 5 Star rating Defaqto 5 Star rating
Motor Legal Assistance
Optional
Tick Tick
Car Hire
Optional
Optional
Tick
Motor Accident Plan
Optional
Optional
Tick
Excess Protection
Optional
Optional
Optional
Breakdown Cover
Optional
Optional
Optional
EU cover
30 days
90 days
90 days
Personal belongings
Cover up to
£50
Cover up to
£200
Cover up to
£250
Windscreen replacement excess
£150
excess
£100
excess
£75
excess
Windscreen repair excess
£25
excess
£10
excess
No excess
Lost or stolen keys
Cover up to
£750
Cover up to
£1,000
Cover up to
£1,500
Accidental and malicious damage excess
£200
excess
£150
excess
£100
excess

What is car insurance?

Depending on the level of cover selected, car insurance gives you financial protection for incidents that cause damage to your car, or if it's vandalised or stolen.

Various factors apply when you buy car insurance, including the make and model of the car, where you keep it, your age and whether you have any motoring convictions.


Why do I need car insurance?

Car insurance is required by law, unless you've registered your vehicle as being off the road.

The minimum level of insurance is third party only, which covers you against liability to third parties following a road traffic accident.

Third party, fire and theft provides the same cover as third party, plus cover in the event of your car being stolen or damaged by fire.

Our Silver level of Third Party Fire and Theft cover is available exclusively through price comparison websites.


Policy documents

The policy booklets contain the terms and conditions of our car insurance, and tell you about the main features and limits of each level of cover.

If you need the policy booklets in large print, audio or Braille, please call us on:

0370 533 2211

You can also contact us using Relay UK (formerly Next Generation Text).

Silver, Gold or Platinum car insurance

Please read this PDF summarising your contract with AA Insurance Services and the services we offer:

About your contract with AA Insurance Services

Updated December 2023.


Policies purchased or renewed from 30 December 2023:

Car Insurance Policy Booklet

Policies purchased between 1 March 2023 and 29 December 2023:

Car Insurance Policy Booklet


Find out what's insured and what isn't covered in our comprehensive car insurance:

Find out what's insured and what isn't covered in our third party, fire and theft car insurance:

Information about additional cover
Standard car insurance

Policies purchased between 8 December 2021 and 30 September 2024, or renewed between 8 January 2022 and 6 September 2024:

Car Insurance Policy Booklet


Find out what's insured and what isn't covered in our comprehensive car insurance:

Find out what's insured and what isn't covered in our third party, fire and theft car insurance:


This PDF summarises your contract with AA Insurance Services and the services we offer:

About your contract with AA Insurance Services

Updated November 2023.


Car insurance

0330 053 0203

Lines are open Monday to Friday 8am to 7pm, Saturday 9am to 5pm.

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Car insurance claims 24/7

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