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
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Gold ribbon: first place

Breakdown Cover

Ranked 7th of 16 providers reviewed.

Customer happiness 62.74%
Customer trust 64.76%
Complaints performance 75.31%
Transparency rating 58.59%
Fairer Finance score
Reviewed Spring 2022
65%

Car insurance

Ranked 35th of 53 providers reviewed.

Customer happiness 62.6%
Customer trust 61.02%
Complaints performance 75.31%
Transparency rating 53.28%
Fairer Finance score
Reviewed Spring 2022
63%

Home Emergency Cover

Ranked 14th of 16 providers reviewed.

Customer happiness 56.86%
Customer trust 54.71%
Complaints performance 66.84%
Transparency rating 57.75%
Fairer Finance score
Reviewed Spring 2022
59%

Home insurance (building and contents)

Ranked 21st of 49 providers reviewed.

Customer happiness 59.35%
Customer trust 55.66%
Complaints performance 75.3%
Transparency rating 69.06%
Fairer Finance score
Reviewed Spring 2022
65%

Personal loans

Ranked 17th of 25 providers reviewed.

Customer happiness 51.59%
Customer trust 44.59%
Complaints performance 71.02%
Transparency rating 65.03%
Fairer Finance score
Reviewed Spring 2022
58%

Savings accounts

Ranked 29th of 49 providers reviewed.

Customer happiness 56.55%
Customer trust 48.21%
Complaints performance 71.02%
Transparency rating 72.22%
Fairer Finance score
Reviewed Spring 2022
62%
Gold ribbon: first place

Travel insurance

Ranked 9th of 39 providers reviewed.

Customer happiness 57.38%
Customer trust 52.29%
Complaints performance 64.05%
Transparency rating 60.61%
Fairer Finance score
Reviewed Spring 2022
59%

Car insurance

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

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 insurance (building and contents)

AA

Home Insurance Plus

4 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i £7,500.00
Escape of water excess i £250.00
Garden plants i
Alternative accommodation cover limit for contents i £50,000.00
Alternative accommodation cover limit for buildings i £50,000.00
Cover for keys if lost i Sum insured
Money in the home i £1,000.00
Replace belongings new for old i
24hr helpline i
Dual Contents i

AA

Home Insurance

3 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i £3,000.00
Escape of water excess i £250.00
Garden plants i
Alternative accommodation cover limit for contents i 20% of sum insured
Alternative accommodation cover limit for buildings i £45,000.00
Cover for keys if lost i £1,000.00
Money in the home i £750.00
Replace belongings new for old i
24hr helpline i
Dual Contents i

Buildings insurance

AA

Home Insurance Plus

4 stars
Trace and Access i £5,000.00
Cover for keys if lost i Sum insured
Matching sets i
Rainfall (mm) i 25 mm per hour
Alternative accommodation cover limit i £50,000.00
Cover for keys if stolen i Sum insured
Compulsory excess i £0.00
Escape of water excess i £250.00
24hr helpline i
Property owner liability i £2,000,000.00

AA

Home Insurance

2 stars
Trace and Access i £5,000.00
Cover for keys if lost i £750.00
Matching sets i
Rainfall (mm) i 25 mm per hour
Alternative accommodation cover limit i £75,000.00
Cover for keys if stolen i £750.00
Compulsory excess i £100.00
Escape of water excess i £500.00
24hr helpline i
Property owner liability i £2,000,000.00

Contents insurance

AA

Home Insurance

4 stars
Matching sets i
Cover for keys if lost i £0.00
Theft from outbuildings cover limit i £3,000.00
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i £1,000.00
Money in the home cover limit i £750.00
Alternative accommodation cover limit i 20% of sum insured
24hr helpline i

AA

Home Insurance Plus

4 stars
Matching sets i
Cover for keys if lost i Sum insured
Theft from outbuildings cover limit i £7,500.00
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i Sum insured
Money in the home cover limit i £1,000.00
Alternative accommodation cover limit i £50,000.00
24hr helpline i

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 £300.00
Combined passport & travel cover limit i £750.00
Cutting trip short cover limit i £5,000.00
Abandoning your trip cover limit i £5,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 31 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 £200.00
Combined passport & travel cover limit i £500.00
Cutting trip short cover limit i £3,000.00
Abandoning your trip cover limit i £3,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 31 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 £175.00
Combined passport & travel cover limit i £225.00
Cutting trip short cover limit i £1,000.00
Abandoning your trip cover limit i £0.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 31 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 cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Personal money i £300.00
Combined passport & travel cover 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 cover limit i £3,000.00
Missed departure cover limit i £750.00
Abandoning your trip cover limit i £3,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £200.00
Combined passport & travel cover 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 cover limit i £1,000.00
Missed departure cover limit i £500.00
Abandoning your trip cover limit i £0.00
Emergency medical cover and repatriation cover limit i £5,000,000.00
Personal money i £175.00
Combined passport & travel cover 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 £200.00
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

Travel Insurance Covid-19 Cover

AA

Silver

5 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

AA

Gold

5 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

AA

Bronze

5 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)