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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Car insurance

Ranked 34th of 52 providers reviewed.

Customer happiness 58.2%
Customer trust 56.54%
Complaints performance 73.45%
Transparency rating 46.9%
Fairer Finance score
Reviewed Autumn 2020
59%

Home insurance (building and contents)

Ranked 25th of 51 providers reviewed.

Customer happiness 57.44%
Customer trust 52.77%
Complaints performance 73.45%
Transparency rating 59.33%
Fairer Finance score
Reviewed Autumn 2020
61%
Gold ribbon: first place

Personal loans

Ranked 2nd of 25 providers reviewed.

Customer happiness 65.53%
Customer trust 62.13%
Complaints performance 71.68%
Transparency rating 68.82%
Fairer Finance score
Reviewed Autumn 2020
67%

Pet insurance

Ranked 12th of 28 providers reviewed.

Customer happiness 56%
Customer trust 56%
Complaints performance 71%
Transparency rating 55%
Fairer Finance score
Reviewed Autumn 2020
59%

Savings accounts

Ranked 33rd of 47 providers reviewed.

Customer happiness 53.32%
Customer trust 50.82%
Complaints performance 71.68%
Transparency rating 64.73%
Fairer Finance score
Reviewed Autumn 2020
60%
Gold ribbon: first place

Travel insurance

Ranked 7th of 69 providers reviewed.

Customer happiness 57.8%
Customer trust 52.8%
Complaints performance 63.25%
Transparency rating 59.55%
Fairer Finance score
Reviewed Autumn 2020
58%

Car insurance

AA

Car Insurance

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

Home insurance (building and contents)

AA

Home Insurance Plus

4 stars
Escape of water excess i £250
Matching sets i
Theft from outbuildings cover limit i £7,500
24hr helpline i
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

AA

Home Insurance

3 stars
Escape of water excess i £250
Matching sets i
Theft from outbuildings cover limit i £3,000
24hr helpline i
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

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 £100
Escape of water excess i £250
Property owner liability i £2,000,000
24hr helpline i

AA

Home Insurance

3 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
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

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

AA

Home Insurance Plus

3 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

Pet insurance

Cat insurance

AA

Gold

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £5,000
Cremation i £0
Complementary treatment i £500
Age when compulsory excess rises i 6 years
Cancellation fee i £30
Amendment fee i £10
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £1,000

AA

Gold Plus

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £5,000
Cremation i £0
Complementary treatment i £500
Age when compulsory excess rises i 6 years
Cancellation fee i £30
Amendment fee i £10
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £1,000

AA

Silver

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £3,000
Cremation i £0
Complementary treatment i £300
Age when compulsory excess rises i 6 years
Cancellation fee i £30
Amendment fee i £10
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £250

AA

Silver Plus

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £3,000
Cremation i £0
Complementary treatment i £300
Age when compulsory excess rises i 6 years
Cancellation fee i £30
Amendment fee i £10
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £250

AA

Accident Only

1 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £2,000
Cremation i £0
Complementary treatment i £250
Age when compulsory excess rises i 6 years
Cancellation fee i £30
Amendment fee i £10
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £0

AA

Bronze

1 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £1,000
Cremation i £0
Complementary treatment i £200
Age when compulsory excess rises i 6 years
Cancellation fee i £30
Amendment fee i £10
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £0

Dog insurance

AA

Gold

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £5,000
Cremation i £0
Complementary treatment i £500
Age when compulsory excess rises i 6 years
Amendment fee i £10

AA

Gold Plus

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £5,000
Cremation i £0
Complementary treatment i £500
Age when compulsory excess rises i 6 years
Amendment fee i £10

AA

Silver

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £3,000
Cremation i £0
Complementary treatment i £300
Age when compulsory excess rises i 6 years
Amendment fee i £10

AA

Silver Plus

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £3,000
Cremation i £0
Complementary treatment i £300
Age when compulsory excess rises i 6 years
Amendment fee i £10

AA

Accident Only

1 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £2,000
Cremation i £0
Complementary treatment i £250
Age when compulsory excess rises i 6 years
Amendment fee i £10

AA

Bronze

1 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £1,000
Cremation i £0
Complementary treatment i £200
Age when compulsory excess rises i 6 years
Amendment fee i £10

Travel insurance

Single trip insurance

AA

Gold

5 stars
Medical excess i £50
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,500
Emergency medical cover and repatriation cover limit i £15,000,000
Cutting trip short cover limit i £5,000
Missed departure cover limit i £1,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £1,250

AA

Silver

4 stars
Medical excess i £80
Cancelling before travel cover limit i £3,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £3,000
Missed departure cover limit i £750
Abandoning your trip cover limit i £3,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £800

AA

Bronze

1 stars
Medical excess i £150
Cancelling before travel cover limit i £1,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £500
Emergency medical cover and repatriation cover limit i £5,000,000
Cutting trip short cover limit i £1,000
Missed departure cover limit i £500
Abandoning your trip cover limit i £0
Lost or stolen cash i £175
Combined passport & travel cover limit i £450

Travel Insurance Covid-19 Cover

AA

Silver

1 stars
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Does the policy cover medical cover if you catch Covid-19?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
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?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

AA

Gold

1 stars
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Does the policy cover medical cover if you catch Covid-19?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
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?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

AA

Bronze

1 stars
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Does the policy cover medical cover if you catch Covid-19?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
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?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)