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.

In life insurance, the AA only partners with Legal & General as its underwriter. And its travel insurance is underwritten by Cigna Europe Insurance Company.

AA
Visit provider's website

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

Car insurance

Ranked 28th of 51 providers reviewed.

Customer happiness 56%
Customer trust 53%
Complaints performance 73%
Transparency rating 41%
Fairer Finance score
Reviewed Spring 2019
56%

Home insurance

Ranked 30th of 47 providers reviewed.

Customer happiness 57%
Customer trust 51%
Complaints performance 73%
Transparency rating 41%
Fairer Finance score
Reviewed Spring 2019
55%

Life insurance

Ranked 16th of 25 providers reviewed.

Claims score 96.64%
Complaints performance 88.25%
Transparency rating 49%
Fairer Finance score
Reviewed Spring 2019
71%
Gold ribbon: first place

Personal loans

Ranked 7th of 24 providers reviewed.

Customer happiness 62%
Customer trust 62%
Complaints performance 61%
Transparency rating 57%
Fairer Finance score
Reviewed Spring 2019
60%
Gold ribbon: first place

Pet insurance

Ranked 5th of 19 providers reviewed.

Customer happiness 61%
Customer trust 62%
Complaints performance 70%
Transparency rating 50%
Fairer Finance score
Reviewed Spring 2019
61%

Savings accounts

Ranked 21st of 42 providers reviewed.

Customer happiness 64%
Customer trust 64%
Complaints performance 61%
Transparency rating 44%
Fairer Finance score
Reviewed Spring 2019
58%
Gold ribbon: first place

Travel insurance

Ranked 6th of 59 providers reviewed.

Customer happiness 61%
Customer trust 57%
Complaints performance 64%
Transparency rating 62%
Fairer Finance score
Reviewed Spring 2019
61%

Car insurance

AA

Car Insurance

4 stars
Cover for keys/locks if lost i £1,000
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £80
Cover for keys/locks if stolen i £1,000
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i

Home insurance

AA

Home Insurance

4 stars
Escape of water excess i £250
Matching sets i
Theft from outbuildings i £3,000
24hr helpline i
Alternative accommodation i £50,000
Cover for keys/locks if lost i £1,000
Money in the home i £750
New for old i

AA

Home Insurance Plus

4 stars
Escape of water excess i £250
Matching sets i
Theft from outbuildings i £7,500
24hr helpline i
Alternative accommodation i £50,000
Cover for keys/locks if lost i Sum insured
Money in the home i £1,000
New for old i

Buildings insurance

AA

Home Insurance Plus

5 stars
Trace & access i £10,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Compulsory excess i £100
Escape of water excess i £250
Alternative accommodation cover limit i £50,000
Cover for keys/locks if stolen i Sum insured
Property owner liability i £2,000,000
24hr helpline i

AA

Home Insurance

4 stars
Trace & access i £5,000
Matching sets i
Cover for keys/locks if lost i £1,000
Compulsory excess i £100
Escape of water excess i £250
Alternative accommodation cover limit i £45,000
Cover for keys/locks if stolen i £1,000
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

AA

Home Insurance Plus

4 stars
Theft from outbuildings i £7,500
Matching sets i
Cover for keys/locks if lost i Sum insured
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i £50,000
Money in the home i £1,000
Cover for keys/locks if stolen i Sum insured
24hr helpline i

AA

Home Insurance

3 stars
Theft from outbuildings i £3,000
Matching sets i
Cover for keys/locks if lost i £1,000
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i 20% of sum insured
Money in the home i £750
Cover for keys/locks if stolen i £1,000
24hr helpline i

Life insurance

Over 50s life insurance

AA

Over 50s Life Insurance Fixed Plan

4 stars
Cover for accidental death in waiting period i Full payout
Waiting period i 12 months
Premium ending age i 90
Can you reduce monthly payments? i Yes (after one year)
Missed payments allowance i 30 days
Protection for customers past the crossover point (refund) i
Payout for accidental death outside waiting period i Full payout
Maximum age i 80
Funeral benefit option £300

AA

Over 50s Life Insurance Increasing Plan

4 stars
Cover for accidental death in waiting period i Full payout
Waiting period i 12 months
Premium ending age i 90
Can you reduce monthly payments? i Yes (after one year)
Missed payments allowance i 30 days
Protection for customers past the crossover point (refund) i
Payout for accidental death outside waiting period i Full payout
Maximum age i 80
Funeral benefit option £300

Pet insurance

Cat insurance

AA

Gold

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £5,000
Dental cover (if due to an accident) i £5,000
Cruciate ligament damage i £5,000
CT scans i £1,250
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £5,000
Cremation i £0
Complementary treatment i £500
Age compulsory excess changes i 6 years
Cancellation fee i £30
Amendment fee i £10
Loss of pet total i

AA

Gold Plus

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £5,000
Dental cover (if due to an accident) i £5,000
Cruciate ligament damage i £5,000
CT scans i £1,250
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £5,000
Cremation i £0
Complementary treatment i £500
Age compulsory excess changes i 6 years
Cancellation fee i £30
Amendment fee i £10
Loss of pet total i

AA

Silver

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £750
MRI scans i £750
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £3,000
Cremation i £0
Complementary treatment i £300
Age compulsory excess changes i 6 years
Cancellation fee i £30
Amendment fee i £10
Loss of pet total i

AA

Silver Plus

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £750
MRI scans i £750
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £3,000
Cremation i £0
Complementary treatment i £300
Age compulsory excess changes i 6 years
Cancellation fee i £30
Amendment fee i £10
Loss of pet total i

AA

Accident Only

1 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,000
Dental cover (if due to an accident) i £2,000
Cruciate ligament damage i £500
CT scans i £500
MRI scans i £500
Prescription diet (treatment of bladder stones only) i £0
Euthanasia i £2,000
Cremation i £0
Complementary treatment i £250
Age compulsory excess changes i 6 years
Cancellation fee i £30
Amendment fee i £10
Loss of pet total i

AA

Bronze

1 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £1,000
Dental cover (if due to an accident) i £1,000
Cruciate ligament damage i £500
CT scans i £250
MRI scans i £250
Prescription diet (treatment of bladder stones only) i £0
Euthanasia i £1,000
Cremation i £0
Complementary treatment i £200
Age compulsory excess changes i 6 years
Cancellation fee i £30
Amendment fee i £10
Loss of pet total i

Dog insurance

AA

Gold

4 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £5,000
Dental cover (if due to an accident) i £5,000
Cruciate ligament damage i £5,000
CT scans i £1,250
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £5,000
Cremation i £0
Complementary treatment i £500
Age compulsory excess changes i 6 years
Amendment fee i £10

AA

Gold Plus

4 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £5,000
Dental cover (if due to an accident) i £5,000
Cruciate ligament damage i £5,000
CT scans i £1,250
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £5,000
Cremation i £0
Complementary treatment i £500
Age compulsory excess changes i 6 years
Amendment fee i £10

AA

Silver

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £750
MRI scans i £750
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £3,000
Cremation i £0
Complementary treatment i £300
Age compulsory excess changes i 6 years
Amendment fee i £10

AA

Silver Plus

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £750
MRI scans i £750
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £3,000
Cremation i £0
Complementary treatment i £300
Age compulsory excess changes i 6 years
Amendment fee i £10

AA

Accident Only

1 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,000
Dental cover (if due to an accident) i £2,000
Cruciate ligament damage i £500
CT scans i £500
MRI scans i £500
Prescription diet (treatment of bladder stones only) i £0
Euthanasia i £2,000
Cremation i £0
Complementary treatment i £250
Age compulsory excess changes i 6 years
Amendment fee i £10

AA

Bronze

1 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £1,000
Dental cover (if due to an accident) i £1,000
Cruciate ligament damage i £500
CT scans i £250
MRI scans i £250
Prescription diet (treatment of bladder stones only) i £0
Euthanasia i £1,000
Cremation i £0
Complementary treatment i £200
Age compulsory excess changes i 6 years
Amendment fee i £10

Travel insurance

Annual multi-trip insurance

AA

Gold

5 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £2,500
Max trip duration i 61 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £300
Combined passport & travel i £1,250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

AA

Silver

4 stars
Medical excess i £80
Cancelling before travel i £3,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 61 days
Emergency medical cover and repatriation i £5,000,000
Cutting trip short/curtailment i £3,000
Abandoning your trip i £3,000
Lost or stolen cash i £200
Combined passport & travel i £800
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

AA

Bronze

1 stars
Medical excess i £150
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £500
Max trip duration i 61 days
Emergency medical cover and repatriation i £2,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £0
Lost or stolen cash i £100
Combined passport & travel i £450
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Single trip insurance

AA

Gold

5 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £2,500
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Missed departure i £1,000
Abandoning your trip i £5,000
Lost or stolen cash i £300
Combined passport & travel i £1,250

AA

Silver

4 stars
Medical excess i £80
Cancelling before travel i £3,000
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £5,000,000
Cutting trip short/curtailment i £3,000
Missed departure i £750
Abandoning your trip i £3,000
Lost or stolen cash i £200
Combined passport & travel i £800

AA

Bronze

1 stars
Medical excess i £150
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £500
Emergency medical cover and repatriation i £2,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £500
Abandoning your trip i £0
Lost or stolen cash i £100
Combined passport & travel i £450

Winter sports add-on

AA

Bronze

1 stars
Ski equipment owned i £500
Single item limit for owned equipment i £225
Hiring replacement winter sports equipment i £200
Ski equipment owned excess i £150
Ski equipment hired i £250
Single item limit for hired equipment i £225
Avalanche closure i £0
Piste closure i £0
Unused ski pass due to illness or injury i £0

AA

Silver

1 stars
Ski equipment owned i £750
Single item limit for owned equipment i £300
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £80
Ski equipment hired i £250
Single item limit for hired equipment i £300
Avalanche closure i £0
Piste closure i £0
Unused ski pass due to illness or injury i £0

AA

Gold

1 stars
Ski equipment owned i £1,000
Single item limit for owned equipment i £400
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £50
Ski equipment hired i £250
Single item limit for hired equipment i £400
Avalanche closure i £0
Piste closure i £0
Unused ski pass due to illness or injury i £0