AA

The Automobile Association is best known for rescuing drivers in distress from the side of the road. And you may have learnt to drive with an instructor affiliated with its driving school. But it also has a large banking division, offering savings accounts, credit cards and other financial products.

The AA became a public company in 2014 when it was floated on the stock market. It is part of the FTSE 250.

Its credit card, savings and personal loan products are supplied by the Bank of Ireland, which also runs the Post Office's financial services business. The AA's insurance business is run separately to this.

For insurance products, the AA operates as a broker. It passes car insurance customers on to a number of different insurance underwriters.

AA
Visit provider's website

We don't get paid for any links on our site.

Gold ribbon: first place

Breakdown Cover

Ranked 3rd of 31 providers reviewed.

Customer happiness score 62.25%
Customer trust score 64.22%
Complaints performance 64.77%
Transparency rating 73.46%
Fairer Finance score
Reviewed Autumn 2023
66%
Gold ribbon: first place

Car insurance

Ranked 17th of 49 providers reviewed.

Customer happiness score 61.43%
Customer trust score 61.12%
Complaints performance 68.98%
Transparency rating 74.41%
Fairer Finance score
Reviewed Autumn 2023
66%
Gold ribbon: first place

Home emergency cover

Ranked 13th of 35 providers reviewed.

Customer happiness score 60.13%
Customer trust score 63.67%
Complaints performance 60.12%
Transparency rating 66.57%
Fairer Finance score
Reviewed Autumn 2023
63%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 17th of 46 providers reviewed.

Customer happiness score 58.81%
Customer trust score 57.81%
Complaints performance 64.02%
Transparency rating 86.46%
Fairer Finance score
Reviewed Autumn 2023
67%

Personal loans

Ranked 19th of 27 providers reviewed.

Customer happiness score 52.61%
Customer trust score 48.51%
Complaints performance 74.46%
Transparency rating 69.35%
Fairer Finance score
Reviewed Autumn 2023
61%
Gold ribbon: first place

Savings Accounts

Ranked 2nd of 53 providers reviewed.

Customer happiness score 81.76%
Customer trust score 78.38%
Complaints performance 74.46%
Transparency rating 76.61%
Fairer Finance score
Reviewed Autumn 2023
78%
Gold ribbon: first place

Travel insurance

Ranked 15th of 44 providers reviewed.

Customer happiness score 56.56%
Customer trust score 58%
Complaints performance 59.06%
Transparency rating 68.81%
Fairer Finance score
Reviewed Autumn 2023
61%

Car insurance

AA

Car Insurance (Platinum)

5 stars
Cover limit for lost keys i £1,500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

AA

Comprehensive Car Insurance (with Courtesy Car upgrade and Breakdown)

5 stars
Cover limit for lost keys i £1,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £1,000.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

AA

Car Insurance (Gold)

4 stars
Cover limit for lost keys i £1,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £10.00
Windscreen replacement excess i £100.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £1,000.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

AA

Car Insurance (Silver)

4 stars
Cover limit for lost keys i £750.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £150.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £750.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

AA

Comprehensive Car Insurance

4 stars
Cover limit for lost keys i £1,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £1,000.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Home emergency cover

AA

Home Emergency Cover (Home Insurance Add On)

1 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i Covered under the home insurance policy
Unoccupied period i 30
Claims limit i Unlimited

Home insurance (building and contents)

AA

Home Insurance Plus

4 stars
Theft from outbuildings i £7,500.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £50,000.00
Escape of water excess i £250.00
Additional escape of water excess i £100.00
Flood excess i £0.00
Cover away from home offered for: jewellery Optional
Keys/locks if lost or stolen (Buildings) i Sum insured
Trace and access i £10,000.00
Buildings cover limit i Unlimited
Money in the home i £1,000.00
Contents sum insured i £100,000.00
Visitor's possessions i Sum insured
Office equipment i Sum insured
Alternative accommodation cover limit for contents i £50,000.00
Escape of water excess (minimum) i £350.00
Cancellation fee after 14 days i £40.00
Cancellation fee within 14 days i £0.00
Contents compulsory excess i £100.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £5,000,000.00
Liability as a tenant i £5,000.00
Replace belongings new for old i

AA

Home Insurance

2 stars
Theft from outbuildings i £3,000.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £45,000.00
Escape of water excess i £250.00
Additional escape of water excess i £100.00
Flood excess i £100.00
Cover away from home offered for: jewellery Optional
Keys/locks if lost or stolen (Buildings) i £1,000.00
Trace and access i £5,000.00
Buildings cover limit i Unlimited
Money in the home i £750.00
Contents sum insured i £100,000.00
Visitor's possessions i £300.00
Office equipment i £5,000.00
Alternative accommodation cover limit for contents i 20% of the sum insured
Escape of water excess (minimum) i £350.00
Cancellation fee after 14 days i £40.00
Cancellation fee within 14 days i £0.00
Contents compulsory excess i £100.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £5,000,000.00
Liability as a tenant i £5,000.00
Replace belongings new for old i

Buildings insurance

AA

Home Insurance Plus

4 stars
Matching sets (Buildings) i
Escape of water excess (minimum) i £350.00
Buildings compulsory excess i £100.00
Escape of water excess i £250.00
Unoccupied period i 30.00
24hr helpline i
Cancellation fee after 14 days (buildings) i £20.00
Amendment fee (telephone) i £15.00
Property owner liability i £2,000,000.00

AA

Home Insurance

2 stars
Matching sets (Buildings) i
Escape of water excess (minimum) i £350.00
Buildings compulsory excess i £100.00
Escape of water excess i £250.00
Unoccupied period i 30.00
24hr helpline i
Cancellation fee after 14 days (buildings) i £20.00
Amendment fee (telephone) i £15.00
Property owner liability i £2,000,000.00

Contents insurance

AA

Home Insurance Plus

3 stars
Matching sets (contents) i
Theft from outbuildings i £7,500.00
Windspeed (mph) i 55 mph
Property owner liability i £2,000,000.00

AA

Home Insurance

2 stars
Matching sets (contents) i
Theft from outbuildings i £3,000.00
Windspeed (mph) i 55 mph
Property owner liability i £2,000,000.00

Motor Excess Cover

Personal Motor Excess Insurance

AA

Excess Protection

3 stars
Annual cover limit i £1,000.00
Claim limit i 1

Personal loans

AA

Member Loan

Representative APR (on £5,000 loan, 36 month term) Illustrative rates shown
Unpaid Repayment Fee i £12.00
Early settlement fee (Days interest) 58 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £40,000.00
Minimum borrowing length 12 months
Maximum borrowing length 84 months

AA

Non-Member Loan

Representative APR (on £5,000 loan, 36 month term) Illustrative rates shown
Unpaid Repayment Fee i £12.00
Early settlement fee (Days interest) 58 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £40,000.00
Minimum borrowing length 12 months
Maximum borrowing length 84 months

Savings Accounts

Easy Access Accounts

AA

Member Saver - Issue 18

Interest Rate (AER) i 2.15%
Minimum Opening Balance i £100.00
Maximum Balance i £2,000,000.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i Must be an AA breakdown member
Penalty free withdrawals? i
Additional Information i

AA

Easy Saver - Issue 27

Interest Rate (AER) i 2.05%
Minimum Opening Balance i £100.00
Maximum Balance i £2,000,000.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Additional Information i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

AA

AA ISA - Fixed Rate Issue 25

Interest Rate (AER) i 2.9%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be paid into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 90 days interest, funds will be transferred to nominated account or to holding account
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

2 Year Fixed Rate ISAs

AA

AA ISA - Fixed Rate Issue 25

Interest Rate (AER) i 3%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be paid into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 180 days interest, funds will be transferred to nominated account or to holding account
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Easy Access ISAs

AA

AA ISA - Holding Account

Interest Rate (AER) i 1.55%
Minimum Opening Balance i £100.00
Part of FSCS i
Withdrawal Penalty i via nominated account or an existing AA ISA product.
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

AA

AA ISA - Member Easy Access Issue 14

Interest Rate (AER) i 2%
Minimum Opening Balance i £100.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

AA

AA ISA - Easy Access Issue 31

Interest Rate (AER) i 1.9%
Minimum Opening Balance i £100.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Travel insurance

Annual multi-trip insurance

AA

Gold

5 stars
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,500.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Mental health cover i
Personal money i £500.00
Combined passport & travel documents cover limit i £750.00
Cutting trip short (curtailment) cover limit i £5,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 62 days

AA

Silver

4 stars
Medical excess i £80.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500.00
Cancelling before travel cover limit i £3,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £300.00
Combined passport & travel documents cover limit i £500.00
Cutting trip short (curtailment) cover limit i £3,000.00
Abandoning your trip (abandonment) cover limit i £3,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 62 days

AA

Bronze

1 stars
Medical excess i £150.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £500.00
Cancelling before travel cover limit i £1,000.00
Emergency medical cover and repatriation cover limit i £5,000,000.00
Mental health cover i
Personal money i £225.00
Combined passport & travel documents cover limit i £225.00
Cutting trip short (curtailment) cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £0.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 62 days

Single trip insurance

AA

Gold

5 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,500.00
Cutting trip short curtailment cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Personal money i £500.00
Combined passport & travel documents limit i £750.00

AA

Silver

4 stars
Cancelling before travel cover limit i £3,000.00
Medical excess i £80.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500.00
Cutting trip short curtailment cover limit i £3,000.00
Missed departure cover limit i £750.00
Abandoning your trip (abandonment) cover limit i £3,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £300.00
Combined passport & travel documents limit i £500.00

AA

Bronze

2 stars
Cancelling before travel cover limit i £1,000.00
Medical excess i £150.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £500.00
Cutting trip short curtailment cover limit i £1,000.00
Missed departure cover limit i £500.00
Abandoning your trip (abandonment) cover limit i £0.00
Emergency medical cover and repatriation cover limit i £5,000,000.00
Personal money i £225.00
Combined passport & travel documents limit i £225.00

Travel insurance add-on: cruise cover

AA

Bronze

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £0.00
Missed port departure excess i
Timetable/itinerary change cover limit i £0.00
Unused excursions cover limit i £0.00

AA

Silver

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £0.00
Missed port departure excess i
Timetable/itinerary change cover limit i £0.00
Unused excursions cover limit i £0.00

AA

Gold

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £0.00
Missed port departure excess i
Timetable/itinerary change cover limit i £0.00
Unused excursions cover limit i £0.00

Travel insurance add-on: winter sports

AA

Bronze

1 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £225.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Avalanche closure cover limit i £0.00
Piste closure cover limit i £0.00
Ski equipment owned excess i £150.00
Ski equipment hired i £250.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £0.00

AA

Silver

1 stars
Ski equipment owned cover limit i £750.00
Single owned item cover limit i £300.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300.00
Avalanche closure cover limit i £0.00
Piste closure cover limit i £0.00
Ski equipment owned excess i £80.00
Ski equipment hired i £250.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £0.00

AA

Gold

1 stars
Ski equipment owned cover limit i £1,000.00
Single owned item cover limit i £400.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300.00
Avalanche closure cover limit i £0.00
Piste closure cover limit i £0.00
Ski equipment owned excess i £20.00
Ski equipment hired i £250.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £0.00