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 5th of 11 providers reviewed.

Customer happiness 62.15%
Customer trust 62.53%
Complaints performance 82.69%
Transparency rating 56.22%
Fairer Finance score
Reviewed Autumn 2021
66%

Car insurance

Ranked 22nd of 54 providers reviewed.

Customer happiness 62.49%
Customer trust 59.95%
Complaints performance 70.61%
Transparency rating 68.54%
Fairer Finance score
Reviewed Autumn 2021
65%

Home Emergency Cover

Ranked 11th of 11 providers reviewed.

Customer happiness 46.67%
Customer trust 49%
Claims score 69.06%
Complaints performance 69.06%
Transparency rating 47.51%
Fairer Finance score
Reviewed Autumn 2021
53%

Home insurance (building and contents)

Ranked 29th of 51 providers reviewed.

Customer happiness 59.23%
Customer trust 55.24%
Complaints performance 70.6%
Transparency rating 63.88%
Fairer Finance score
Reviewed Autumn 2021
62%
Gold ribbon: first place

Personal loans

Ranked 6th of 23 providers reviewed.

Customer happiness 64.84%
Customer trust 60.94%
Complaints performance 75.37%
Transparency rating 53.81%
Fairer Finance score
Reviewed Autumn 2021
64%

Savings accounts

Ranked 31st of 46 providers reviewed.

Customer happiness 51.5%
Customer trust 50%
Complaints performance 75.37%
Transparency rating 68.52%
Fairer Finance score
Reviewed Autumn 2021
61%
Gold ribbon: first place

Travel insurance

Ranked 13th of 36 providers reviewed.

Customer happiness 56.28%
Customer trust 53.85%
Complaints performance 59.31%
Transparency rating 55.73%
Fairer Finance score
Reviewed Autumn 2021
56%

Car insurance

AA

Comprehensive Car Insurance

5 stars
Cover limit for lost keys i £1,000
Courtesy car for duration of repair i
Uninsured driver promise i
New car replacement
Windscreen repair excess i £0
Windscreen replacement excess i £75
Repairs guarantee (years) i 3 years
Cover limit for stolen keys i £1,000
24hr helpline available i
Courtesy car provided if stolen / total loss i
Cover for replacing original audio/visual equipment i Unlimited

Home insurance (building and contents)

AA

Home Insurance Plus

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

AA

Home Insurance

3 stars
Matching sets i
Theft from outbuildings cover limit i £3,000
Escape of water excess i £250
Alternative accommodation cover limit i 45,000
Cover for keys if lost i £1,000
Money in the home i £750
Replace belongings new for old i
24hr helpline i

Buildings insurance

AA

Home Insurance Plus

4 stars
Finding & repairing a leak cover limit i £10,000
Cover for keys if lost i Sum insured
Matching sets i
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i Sum insured
Compulsory excess i £0
Escape of water excess i £250
24hr helpline i
Property owner liability i £2,000,000

AA

Home Insurance

2 stars
Finding & repairing a leak cover limit i £5,000
Cover for keys if lost i £1,000
Matching sets i
Alternative accommodation cover limit i £45,000
Cover for keys if stolen i £1,000
Compulsory excess i £100
Escape of water excess i £250
24hr helpline i
Property owner liability i £2,000,000

Contents insurance

AA

Home Insurance Plus

4 stars
Theft from outbuildings cover limit i £7,500
Matching sets i
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £50,000
Money in the home cover limit i £1,000
Cover for keys if stolen i Sum insured
24hr helpline i

AA

Home Insurance

3 stars
Theft from outbuildings cover limit i £3,000
Matching sets i
Cover for keys if lost i £1,000
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i 20% of sum insured
Money in the home cover limit i £750
Cover for keys if stolen i £1,000
24hr helpline i

Travel insurance

Annual multi-trip insurance

AA

Gold

5 stars
Cancelling before travel cover limit i £5,000
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,500
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i £15,000,000
Mental health cover i
Lost or stolen cash i £300
Combined passport & travel cover limit i £750
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i mention in policy schedule

AA

Silver

4 stars
Cancelling before travel cover limit i £3,000
Medical excess i £80
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £3,000
Emergency medical cover and repatriation cover limit i £10,000,000
Mental health cover i
Lost or stolen cash i £200
Combined passport & travel cover limit i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i mention in policy schedule

AA

Bronze

1 stars
Cancelling before travel cover limit i £1,000
Medical excess i £150
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £500
Cutting trip short cover limit i £1,000
Abandoning your trip cover limit i £0
Emergency medical cover and repatriation cover limit i £5,000,000
Mental health cover i
Lost or stolen cash i £175
Combined passport & travel cover limit i £225
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i mention in policy schedule

Single trip insurance

AA

Gold

5 stars
Cancelling before travel cover limit i £5,000
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,500
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i £15,000,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £750
Missed departure cover limit i £1,000

AA

Silver

4 stars
Cancelling before travel cover limit i £3,000
Medical excess i £80
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £3,000
Emergency medical cover and repatriation cover limit i £10,000,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £500
Missed departure cover limit i £750

AA

Bronze

1 stars
Cancelling before travel cover limit i £1,000
Medical excess i £150
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £500
Cutting trip short cover limit i £1,000
Abandoning your trip cover limit i £0
Emergency medical cover and repatriation cover limit i £5,000,000
Lost or stolen cash i £175
Combined passport & travel cover limit i £225
Missed departure cover limit i £500

Travel insurance add-on: winter sports

AA

Silver

3 stars
Ski equipment owned cover limit i £750
Single owned item cover limit i £300
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300
Avalanche closure cover limit i £3,000
Piste closure cover limit i £3,000
Ski equipment owned excess i £80
Ski equipment hired i £250
Single item limit for hired equipment i £300
Unused ski pass due to illness or injury i £3,000

AA

Gold

3 stars
Ski equipment owned cover limit i £1,000
Single owned item cover limit i £400
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300
Avalanche closure cover limit i £5,000
Piste closure cover limit i £5,000
Ski equipment owned excess i £50
Ski equipment hired i £250
Single item limit for hired equipment i £300
Unused ski pass due to illness or injury i £5,000

AA

Bronze

1 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £225
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200
Avalanche closure cover limit i £1,000
Piste closure cover limit i £1,000
Ski equipment owned excess i £150
Ski equipment hired i £250
Single item limit for hired equipment i £200
Unused ski pass due to illness or injury i £1,000

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)