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

Car insurance

Ranked 32nd of 52 providers reviewed.

Customer happiness 55%
Customer trust 49%
Complaints performance 66%
Transparency rating 44%
Fairer Finance score
Reviewed Spring 2018
54%

Credit cards

Ranked 24th of 35 providers reviewed.

Customer happiness 54%
Customer trust 55%
Complaints performance 63%
Transparency rating 50%
Fairer Finance score
Reviewed Spring 2018
55%

Home insurance

Ranked 39th of 47 providers reviewed.

Customer happiness 55%
Customer trust 45%
Complaints performance 66%
Transparency rating 37%
Fairer Finance score
Reviewed Spring 2018
51%

Life insurance

Ranked 13th of 22 providers reviewed.

Claims score 98.27%
Complaints performance 91%
Transparency rating 54%
Fairer Finance score
Reviewed Spring 2018
76%

Personal loans

Ranked 18th of 25 providers reviewed.

Customer happiness 46%
Customer trust 48%
Complaints performance 63%
Transparency rating 64%
Fairer Finance score
Reviewed Spring 2018
55%

Pet insurance

Ranked 13th of 22 providers reviewed.

Customer happiness 55%
Customer trust 62%
Complaints performance 64%
Transparency rating 40%
Fairer Finance score
Reviewed Spring 2018
55%

Savings accounts

Ranked 24th of 36 providers reviewed.

Customer happiness 56%
Customer trust 61%
Complaints performance 79%
Transparency rating 38%
Fairer Finance score
Reviewed Spring 2018
59%
Gold ribbon: first place

Travel insurance

Ranked 14th of 56 providers reviewed.

Customer happiness 52%
Customer trust 48%
Complaints performance 74%
Transparency rating 51%
Fairer Finance score
Reviewed Spring 2018
56%

Car insurance

AA

Car Insurance

5 stars
Courtesy car for duration of repair i
Cover for keys/locks if lost i £1,000
Uninsured driver promise i
24hr helpline available i
Cover for keys/locks if stolen i £1,000
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 3
Windscreen repair excess i £0
Windscreen replacement excess i £50

Home insurance

AA

Prestige Home Insurance

4 stars
Escape of water excess i £250
Matching sets i 50%
Theft from outbuildings i Part of sum insured
24hr helpline i
Alternative accommodation i Sum insured
Cover for keys/locks if lost i Sum insured
Money in the home i £2,500
New for old i

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 £45,000
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
Cover for keys/locks if lost i Sum insured
Matching sets i
Trace & access i £10,000
24hr helpline i
Alternative accommodation cover limit i £50,000
Compulsory excess i £100
Cover for keys/locks if stolen i Sum insured
Escape of water excess i £250
Property owner liability i £2,000,000

AA

Prestige Home Insurance

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

AA

Home Insurance

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

Contents insurance

AA

Prestige Home Insurance

4 stars
Cover for keys/locks if lost i Sum insured
Matching sets i 50%
Theft from outbuildings i Part of sum insured
24hr helpline i
Alternative accomodation i Sum insured
Cover for keys/locks if stolen i Sum insured
Cycles included whilst in the home i £5,000
Money in the home i £2,500
New for old i

AA

Home Insurance

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

AA

Home Insurance Plus

4 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Theft from outbuildings i £7,500
24hr helpline i
Alternative accomodation i £50,000
Cover for keys/locks if stolen i Sum insured
Cycles included whilst in the home i Part of sum insured
Money in the home i £1,000
New for old 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
Premium ending age i 90
Waiting period (months) i 12
Can you reduce monthly payments? i
Funeral benefit option £300
Maximum age i 80
Missed payments allowance (days) i 30 days
Payout for accidental death outside waiting period i Full payout
Protection for customers past the crossover point (refund) i

AA

Over 50s Life Insurance Increasing Plan

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

Pet insurance

Cat insurance

AA

Gold

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

AA

Gold Plus

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

AA

Silver

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

AA

Silver Plus

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

AA

Accident Only

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

AA

Bronze

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

Dog insurance

AA

Gold

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

AA

Gold Plus

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

AA

Silver

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

AA

Silver Plus

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

AA

Accident Only

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

AA

Bronze

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

Travel insurance

Annual multi-trip insurance

AA

Gold

4 stars
Cancelling before travel i £5,000
Medical excess i £50
Personal possessions & baggage - damaged, lost or stolen i £2,500
Abandoning your trip i £0
Combined passport & travel i £1,250
Cutting trip short/curtailment i £5,000
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £300
Max trip duration i 61 days

AA

Silver

4 stars
Cancelling before travel i £3,000
Medical excess i £80
Personal possessions & baggage - damaged, lost or stolen i £1,500
Abandoning your trip i £0
Combined passport & travel i £800
Cutting trip short/curtailment i £3,000
Emergency medical cover and repatriation i £5,000,000
Lost or stolen cash i £200
Max trip duration i 61 days

AA

Bronze

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

Single trip insurance

AA

Silver

4 stars
Cancelling before travel i £3,000
Medical excess i £80
Personal possessions and baggage - damaged, lost or stolen i £1,500
Abandoning your trip i £0
Combined passport & travel i £800
Cutting trip short/curtailment i £3,000
Emergency medical cover and repatriation i £5,000,000
Lost or stolen cash i £200
Missed departure i £750

AA

Gold

4 stars
Cancelling before travel i £5,000
Medical excess i £50
Personal possessions and baggage - damaged, lost or stolen i £2,500
Abandoning your trip i £0
Combined passport & travel i £1,250
Cutting trip short/curtailment i £5,000
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £300
Missed departure i £1,000

AA

Bronze

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

Travel insurance add-ons

Winter sports add-on

AA

Bronze

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

AA

Silver

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

AA

Gold

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