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 30th of 53 providers reviewed.

Customer happiness 55%
Customer trust 52%
Complaints performance 68%
Transparency rating 52%
Fairer Finance score
Reviewed Autumn 2019
57%

Home insurance (building and contents)

Ranked 38th of 49 providers reviewed.

Customer happiness 55%
Customer trust 49%
Complaints performance 68%
Transparency rating 46%
Fairer Finance score
Reviewed Autumn 2019
54%
Gold ribbon: first place

Personal loans

Ranked 2nd of 29 providers reviewed.

Customer happiness 63%
Customer trust 65%
Complaints performance 65%
Transparency rating 73%
Fairer Finance score
Reviewed Autumn 2019
67%
Gold ribbon: first place

Pet insurance

Ranked 8th of 26 providers reviewed.

Customer happiness 57%
Customer trust 64%
Complaints performance 69%
Transparency rating 54%
Fairer Finance score
Reviewed Autumn 2019
61%
Gold ribbon: first place

Savings accounts

Ranked 13th of 46 providers reviewed.

Customer happiness 70%
Customer trust 69%
Complaints performance 65%
Transparency rating 52%
Fairer Finance score
Reviewed Autumn 2019
64%
Gold ribbon: first place

Travel insurance

Ranked 12th of 65 providers reviewed.

Customer happiness 61%
Customer trust 55%
Complaints performance 63%
Transparency rating 52%
Fairer Finance score
Reviewed Autumn 2019
58%

Car insurance

AA

Car Insurance

4 stars
Cover limit for lost keys i £1,000
Uninsured driver promise i
Courtesy car for duration of repair 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
24hr helpline available i 75
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i

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

AA

Home Insurance

3 stars
Finding & repairing a leak cover limit i £5,000
Matching sets i
Cover for keys if lost i £1,000
Compulsory excess i £100
Escape of water excess i £250
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i Sum insured
Property owner liability i £2,000,000
24hr helpline i

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

Pet insurance

Cat insurance

AA

Bronze

4 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

AA

Silver

4 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

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

3 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 Plus

2 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

Dog insurance

AA

Gold

3 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

3 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

2 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

2 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

Annual multi-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
Max trip duration i 61 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £1,250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

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
Max trip duration i 61 days
Emergency medical cover and repatriation cover limit i £5,000,000
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £3,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £800
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

AA

Bronze

2 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
Max trip duration i 61 days
Emergency medical cover and repatriation cover limit i £2,000,000
Cutting trip short cover limit i £1,000
Abandoning your trip cover limit i £0
Lost or stolen cash i £100
Combined passport & travel cover limit i £450
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

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

2 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 add-on: winter sports

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
Ski equipment owned excess i £150
Ski equipment hired i £250
Single item limit for hired equipment i £225
Avalanche closure cover limit i £0
Piste closure cover limit i £0
Unused ski pass due to illness or injury i £0

AA

Silver

1 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
Ski equipment owned excess i £80
Ski equipment hired i £250
Single item limit for hired equipment i £300
Avalanche closure cover limit i £0
Piste closure cover limit i £0
Unused ski pass due to illness or injury i £0

AA

Gold

1 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
Ski equipment owned excess i £50
Ski equipment hired i £250
Single item limit for hired equipment i £400
Avalanche closure cover limit i £0
Piste closure cover limit i £0
Unused ski pass due to illness or injury i £0