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.

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Car insurance

4 products reviewed

Electric Car Insurance

3 products reviewed

AA

Car Insurance (Platinum)

Feature Value
Courtesy car for duration of repair Yes
Uninsured driver promise Yes
Cover limit for lost keys
£1,500.00
24hr helpline available Yes
New car replacement Yes
Courtesy car provided if stolen / total loss Yes
Windscreen repair excess
£0.00
Windscreen replacement excess
£75.00
Cover limit for stolen keys
£1,500.00
Cover for replacing original audio/visual equipment
Unlimited
Repairs guarantee (years)
3 years
Vandalism Yes
AA

Car Insurance (Silver)

Feature Value
Courtesy car for duration of repair Yes
Uninsured driver promise Yes
Cover limit for lost keys
£750.00
24hr helpline available Yes
New car replacement Yes
Courtesy car provided if stolen / total loss No
Windscreen repair excess
£25.00
Windscreen replacement excess
£150.00
Cover limit for stolen keys
£750.00
Cover for replacing original audio/visual equipment
Unlimited
Repairs guarantee (years)
3 years
Vandalism Yes
AA

Car Insurance (Gold)

Feature Value
Courtesy car for duration of repair Yes
Uninsured driver promise Yes
Cover limit for lost keys
£1,000.00
24hr helpline available Yes
New car replacement Yes
Courtesy car provided if stolen / total loss No
Windscreen repair excess
£10.00
Windscreen replacement excess
£100.00
Cover limit for stolen keys
£1,000.00
Cover for replacing original audio/visual equipment
Unlimited
Repairs guarantee (years)
3 years
Vandalism Yes
Third Party, Fire and Theft Car Insurance

1 product reviewed

AA

Silver Third Party, Fire and Theft Car Insurance

Feature Value
Courtesy car for duration of repair No
Uninsured driver promise No
Cover limit for lost keys
£0.00
24hr helpline available Yes
New car replacement No
Courtesy car provided if stolen / total loss No
Cover limit for stolen keys
£750.00
Cover for replacing original audio/visual equipment
Unlimited
Repairs guarantee (years)
3 years
Vandalism No

Commercial Vehicle Insurance

1 product reviewed

AA

Van Insurance

Feature Value
Courtesy car for duration of repair Yes
Uninsured driver promise Yes
Cover limit for lost keys
£500.00
24hr helpline available Yes
New car replacement Yes
Courtesy car provided if stolen / total loss Yes
Windscreen repair excess
£0.00
Windscreen replacement excess
£75.00
Cover limit for stolen keys
£500.00
Cover for replacing original audio/visual equipment
Unlimited
Repairs guarantee (years)
Lifetime
Vandalism Yes

Courtesy Car (Add-on)

1 product reviewed

AA

Hire Car Cover

Home emergency cover

1 product reviewed

Boiler Breakdown Cover

1 product reviewed

AA

Home Emergency and Boiler Cover

Feature Value
Minimum excess
£0.00
Premium (minimum excess applied)
£4.14
No claims period (Boiler)
0
Boiler repair cover limit
£500.00
No claims period
0 days
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less.
£250.00
Getting access and reinstatement
£0.00
Type of pricing
Static
Maximum excess
£0.00
Premium (maximum excess applied)
£4.14
Underwriter
Inter Partner Assistance SA
Unoccupied period
60
Individual call out cover limit for boiler repairs
£500.00
Time limit
Not stated
Temporary emergency heating
£50.00
Boiler age exclusions
15
No claims period for boiler replacement
0
Boiler replacement (BER) within 0-4 years cover limit
£250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less.
£250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less.
£250.00
Boiler replacement (BER) within 8-10 years cover limit
£250.00
Boiler replacement (BER) 11-15 years cover limit
£2.00
Primary flue Yes
Boiler controls Yes
Alternative accommodation cover
£250.00
Internal gas supply pipe cover Yes
Annual boiler service No
Repairs guarantee
Not Mentioned
24/7 claims helpline Yes
Primary heating system Yes
Date of price collection
2026-02-23
Plumbing & drainage cover Yes
Electrical breakdown No
Pest Yes
Security Yes

Home insurance (building and contents)

7 products reviewed

Buildings insurance

3 products reviewed

AA

Platinum

Feature Value
Escape of water excess for buildings
£300.00
Matching sets (Buildings) Yes
Frozen pipes Yes
Trace and access
£10,000.00
Underground pipes, cables and tanks
Covered as standard
AA

Silver

Feature Value
Escape of water excess for buildings
£500.00
Matching sets (Buildings) No
Frozen pipes Yes
Trace and access
£5,000.00
Underground pipes, cables and tanks
Covered as standard
AA

Gold

Feature Value
Escape of water excess for buildings
£400.00
Matching sets (Buildings) No
Frozen pipes Yes
Trace and access
£5,000.00
Underground pipes, cables and tanks
Covered as standard
Contents insurance

3 products reviewed

AA

Platinum

Feature Value
Matching sets (contents) Yes
Theft from outbuildings
£5,000.00
Cover for items away from home
Covered as standard
Money in the home
£750.00
Property owner liability
£2,000,000.00
Escape of water excess (minimum)
£300.00
AA

Gold

Feature Value
Matching sets (contents) No
Theft from outbuildings
£3,000.00
Cover for items away from home
Optional
Money in the home
£750.00
Property owner liability
£2,000,000.00
Escape of water excess (minimum)
£400.00
AA

Silver

Feature Value
Matching sets (contents) No
Theft from outbuildings
£2,000.00
Cover for items away from home
Optional
Money in the home
£750.00
Property owner liability
£2,000,000.00
Escape of water excess (minimum)
£500.00
Home Legal Cover

1 product reviewed

AA

Home Legal Expenses

Feature Value
Limit of indemnity per claim
£100,000.00
Employment - employee Yes
Property damage Yes
Contract disputes - pursue Yes
Property disputes Yes
Standard advisors cost
N/A
Employment - excess
£0.00
Contract disputes - defend Yes
Data protection No
Jury service - maximum indemnity limit
N/A

Motor Excess Cover

3 products reviewed

Personal Motor Excess Insurance

3 products reviewed

AA

Excess Protection

Feature Value
Annual cover limit
£500.00
Claim limit
1
Cover limit per claim
£500.00
Personal belongings cover No
Waiting period (if taken out at the same time as a car insurance policy)
0 days
AA

Excess Protection (£1,000)

Feature Value
Annual cover limit
£1,000.00
Claim limit
1
Cover limit per claim
£1,000.00
Personal belongings cover No
Waiting period (if taken out at the same time as a car insurance policy)
0 days
AA

Excess Protection (£300)

Feature Value
Annual cover limit
£300.00
Claim limit
1
Cover limit per claim
£300.00
Personal belongings cover No
Waiting period (if taken out at the same time as a car insurance policy)
0 days

Motor Legal Cover

1 product reviewed

AA

Motor Legal Assistance

Feature Value
Uninsured loss recovery Limit
£100,000.00
Personal Injury limit
£100,000.00
Motor Prosecution defence Limit
£10,000.00
Uninsured driver benefit No
Consumer Disputes Limit
£10,000.00
Database Disputes Limit
£0.00
Vehicle Cloning Limit
£0.00
Uninsured driver benefit (Minimum pay out)
£0.00

Personal Accident

1 product reviewed

AA

Motor Accident Plan

Feature Value
Number of passengers covered
4
Death
£100,000.00
Permanent total disablement
£100,000.00

Personal loans

1 product reviewed

AA

Personal Loan

Feature Value
Representative APR (on £2,000 loan, 36 month term)
26.9%
Representative APR (on £5,000 loan, 36 month term)
9.5%
Representative APR (on £15000 loan, 36 month term)
6.7%
Unpaid Repayment Fee
£0.00
Early settlement fee (Days interest)
58 days
Minimum borrowing amount
£1,000.00
Maximum borrowing amount
£35,000.00
Minimum borrowing length
12 months
Maximum borrowing length
96 months

Savings Accounts

4 products reviewed

Easy Access Accounts

2 products reviewed

AA

Easy Access Savings

Feature Value
Interest Rate (AER)
4.07%
Balance Tiers
4.07% from £1
Minimum Opening Balance
£1.00
Withdrawal Penalty
N/A
Part of FSCS Yes
Bonus Rate
N/A
AA

Member Saver

Feature Value
Interest Rate (AER)
4.16%
Balance Tiers
4.16% from £1
Minimum Opening Balance
£1.00
Withdrawal Penalty
N/A
Part of FSCS Yes
Bonus Rate
2.32% fixed bonus for 12 months
Easy Access Accounts (Less than £3000)

1 product reviewed

AA

Member Saver

Feature Value
Interest Rate (AER)
4.16%
Balance Tiers
4.16% from £1
Part of FSCS
TRUE
Minimum Opening Balance
£1.00
Additional Opening Criteria
N/A
Average Interest Rate (AER)
2.01%
Bonus Rate
2.32% fixed bonus for 12 months
Average Interest Rate (AER) 12-months
N/A
Easy Access Accounts (£3000 or more)

1 product reviewed

AA

Member Saver

Feature Value
Interest Rate (AER)
4.16%
Balance Tiers
4.16% from £1
Part of FSCS
TRUE
Minimum Opening Balance
£1.00
Additional Opening Criteria
N/A
Average Interest Rate (AER)
2.01%
Bonus Rate
2.32% fixed bonus for 12 months
Average Interest Rate (AER) 12-months
N/A

Travel insurance

33 products reviewed

Annual multi-trip insurance

6 products reviewed

AA

Gold

Feature Value
Medical excess
£50.00
Cancelling before travel cover limit
£5,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,500.00
Emergency medical cover and repatriation cover limit
£15,000,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
AA

Silver

Feature Value
Medical excess
£80.00
Cancelling before travel cover limit
£3,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
AA

Gold Essential

Feature Value
Medical excess
£50.00
Cancelling before travel cover limit
£5,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
AA

Silver Essential

Feature Value
Medical excess
£95.00
Cancelling before travel cover limit
£3,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£500.00
Natural disaster relocation cover Yes
AA

Bronze

Feature Value
Medical excess
£150.00
Cancelling before travel cover limit
£1,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£500.00
Emergency medical cover and repatriation cover limit
£5,000,000.00
Missed departure cover limit
£500.00
Natural disaster relocation cover No
AA

Bronze Essential

Feature Value
Medical excess
£150.00
Cancelling before travel cover limit
£1,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£300.00
Natural disaster relocation cover No
Single trip insurance

12 products reviewed

AA

Gold Essential

Feature Value
Cancelling before travel cover limit
£5,000.00
Medical excess
£50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
AA

Backpacker Silver

Feature Value
Cancelling before travel cover limit
£3,000.00
Medical excess
£80.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
AA

Silver

Feature Value
Cancelling before travel cover limit
£3,000.00
Medical excess
£80.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
AA

Gold

Feature Value
Cancelling before travel cover limit
£5,000.00
Medical excess
£50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,500.00
Emergency medical cover and repatriation cover limit
£15,000,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
AA

Backpacker Gold

Feature Value
Cancelling before travel cover limit
£5,000.00
Medical excess
£50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,500.00
Emergency medical cover and repatriation cover limit
£15,000,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
AA

Silver Essential

Feature Value
Cancelling before travel cover limit
£3,000.00
Medical excess
£95.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£500.00
Natural disaster relocation cover Yes
AA

Backpacker Gold Essential

Feature Value
Cancelling before travel cover limit
£2,500.00
Medical excess
£75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£400.00
Natural disaster relocation cover Yes
AA

Backpacker Silver Essential

Feature Value
Cancelling before travel cover limit
£1,500.00
Medical excess
£95.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£350.00
Natural disaster relocation cover Yes
AA

Backpacker Bronze

Feature Value
Cancelling before travel cover limit
£1,000.00
Medical excess
£150.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£500.00
Emergency medical cover and repatriation cover limit
£5,000,000.00
Missed departure cover limit
£500.00
Natural disaster relocation cover No
AA

Bronze

Feature Value
Cancelling before travel cover limit
£1,000.00
Medical excess
£150.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£500.00
Emergency medical cover and repatriation cover limit
£5,000,000.00
Missed departure cover limit
£500.00
Natural disaster relocation cover No
AA

Backpacker Bronze Essential

Feature Value
Cancelling before travel cover limit
£1,000.00
Medical excess
£125.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£200.00
Natural disaster relocation cover Yes
AA

Bronze Essential

Feature Value
Cancelling before travel cover limit
£1,000.00
Medical excess
£150.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£300.00
Natural disaster relocation cover No
Travel Insurance Covid-19 Cover

3 products reviewed

AA

Silver

Feature Value
AA

Gold

Feature Value
AA

Bronze

Feature Value
Travel insurance add-on: winter sports

12 products reviewed

AA

Silver Essential

Feature Value
Ski equipment owned cover limit
£600.00
Single owned item cover limit
£300.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£200.00
Ski equipment hired
£200.00
Piste closure cover limit
£0.00
Unused ski pass due to illness or injury
£200.00
AA

Backpacker Silver

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£300.00
Ski equipment hired
£250.00
Piste closure cover limit
£0.00
Unused ski pass due to illness or injury
£300.00
AA

Backpacker Silver Essential

Feature Value
Ski equipment owned cover limit
£400.00
Single owned item cover limit
£200.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£300.00
Ski equipment hired
£250.00
Piste closure cover limit
£0.00
Unused ski pass due to illness or injury
£250.00
AA

Backpacker Bronze

Feature Value
Ski equipment owned cover limit
£300.00
Single owned item cover limit
£200.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£200.00
Ski equipment hired
£175.00
Piste closure cover limit
£0.00
Unused ski pass due to illness or injury
£200.00
AA

Backpacker Gold Essential

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£350.00
Ski equipment hired
£300.00
Piste closure cover limit
£0.00
Unused ski pass due to illness or injury
£300.00
AA

Bronze

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£225.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£200.00
Ski equipment hired
£250.00
Piste closure cover limit
£0.00
Unused ski pass due to illness or injury
£250.00
AA

Silver

Feature Value
Ski equipment owned cover limit
£750.00
Single owned item cover limit
£300.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£300.00
Ski equipment hired
£250.00
Piste closure cover limit
£0.00
Unused ski pass due to illness or injury
£250.00
AA

Gold

Feature Value
Ski equipment owned cover limit
£1,000.00
Single owned item cover limit
£400.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£300.00
Ski equipment hired
£250.00
Piste closure cover limit
£0.00
Unused ski pass due to illness or injury
£250.00
AA

Gold Essential

Feature Value
Ski equipment owned cover limit
£750.00
Single owned item cover limit
£400.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£200.00
Ski equipment hired
£200.00
Piste closure cover limit
£0.00
Unused ski pass due to illness or injury
£200.00
AA

Backpacker Gold

Feature Value
Ski equipment owned cover limit
£600.00
Single owned item cover limit
£300.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£350.00
Ski equipment hired
£300.00
Piste closure cover limit
£0.00
Unused ski pass due to illness or injury
£350.00
AA

Bronze Essential

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£225.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£150.00
Ski equipment hired
£200.00
Piste closure cover limit
£0.00
Unused ski pass due to illness or injury
£200.00
AA

Backpacker Bronze Essential

Feature Value
Ski equipment owned cover limit
£250.00
Single owned item cover limit
£150.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£200.00
Ski equipment hired
£175.00
Piste closure cover limit
£0.00
Unused ski pass due to illness or injury
£175.00

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Breakdown Cover

Ranked 1st of 16 providers reviewed


Customer happiness score 62.4%
Customer trust score 63.63%
Transparency rating 76.37%

Fairer Finance Score

Reviewed Autumn 2026

63.91%

Car insurance

Ranked 10th of 49 providers reviewed


Customer happiness score 61.31%
Customer trust score 63.43%
Complaints performance 62.39%
Transparency rating 76.95%

Fairer Finance Score

Reviewed Autumn 2026

66.02%

Home emergency cover

Ranked 22nd of 23 providers reviewed


Customer happiness score 42.21%
Customer trust score 48.18%
Complaints performance 52.09%
Transparency rating 71.54%

Fairer Finance Score

Reviewed Autumn 2026

53.51%

Home insurance (building and contents)

Ranked 19th of 47 providers reviewed


Customer happiness score 60.38%
Customer trust score 56.5%
Complaints performance 65.52%
Transparency rating 79.37%

Fairer Finance Score

Reviewed Autumn 2026

65.44%

Travel insurance

Ranked 26th of 40 providers reviewed


Customer happiness score 55.26%
Customer trust score 56.75%
Complaints performance 52.07%
Transparency rating 67.32%

Fairer Finance Score

Reviewed Autumn 2026

57.85%