Excess Protection

Recover your excess if you make a claim

Enhance your car insurance with additional cover

Your benefits with Excess Protection cover

You can claim back your excess on one insurance claim during the 12 months of your car insurance policy.

You'll be covered in a claim for:
  • Accidental damage
  • Malicious damage
  • Theft or attempted theft
  • Fire

    And it covers your total policy excess – voluntary and compulsory excesses combined.

    • You can claim back your excess on a claim where you're at fault or the other party involved can't be identified.
    • Peace of mind – you won't be left out-of-pocket if your car's damaged by an unidentified driver.

What claims are not covered

  • Where the total cost of the claim is less than the excess payable on the car insurance policy.
  • Where you haven't been left out of pocket. For instance, if you were able to recover your policy excess through another insurance policy, such as Motor Legal Assistance cover.
  • Incidents that happen before the start of your policy.
  • Policy excesses related to: glass (windscreen, sunroof and windows); personal effects; accessories; or audio and visual equipment such as car phones, satnav, CD players and radios.
Policy documents

Please read all of the information relating to your policy before you buy Car Hire cover.

Silver, Gold or Platinum car insurance

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

Standard car insurance

Policies starting or renewed from 30 December 2023:

Excess Protection Policy Wording


Policies purchased between 8 December 2021 and 29 December 2023, with cover starting on or before 29 December 2023:

Excess Protection Policy Wording

Policies renewed between 8 January 2022 and 29 December 2023:

Excess Protection Policy Wording


Good to know

AA Car Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 310562.

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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

0330 053 0322

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