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.

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Breakdown Cover

Ranked 3^rd 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%

Car insurance

Ranked 17^th 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%

Home emergency cover

Ranked 13^th 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%

Home insurance (building and contents)

Ranked 17^th 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 19^th 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%

Savings Accounts

Ranked 2^nd 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%

Travel insurance

Ranked 15^th 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)

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)

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)

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)

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

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)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

AA

Car insurance

Home emergency cover

Home insurance (building and contents)

Buildings insurance

Contents insurance

Motor Excess Cover

Personal Motor Excess Insurance

Personal loans

Savings Accounts

Easy Access Accounts

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

2 Year Fixed Rate ISAs

Easy Access ISAs

Travel insurance

Annual multi-trip insurance

Single trip insurance

Travel insurance add-on: cruise cover

Travel insurance add-on: winter sports

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