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 2nd of 27 providers reviewed.

Customer happiness 61.94%
Customer trust 63.93%
Complaints performance 69.79%
Transparency rating 76.66%
Fairer Finance score
Reviewed Spring 2023		 68%

Car insurance

Ranked 30th of 53 providers reviewed.

Customer happiness 62.79%
Customer trust 61.46%
Complaints performance 71.32%
Transparency rating 64.56%
Fairer Finance score
Reviewed Spring 2023		 65%
Gold ribbon: first place

Home Emergency Cover

Ranked 14th of 28 providers reviewed.

Customer happiness 59.51%
Customer trust 64.64%
Complaints performance 65.79%
Transparency rating 72.26%
Fairer Finance score
Reviewed Spring 2023		 66%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 15th of 48 providers reviewed.

Customer happiness 60.38%
Customer trust 58.37%
Complaints performance 68.28%
Transparency rating 86.84%
Fairer Finance score
Reviewed Spring 2023		 68%

Personal loans

Ranked 21st of 26 providers reviewed.

Customer happiness 46.37%
Customer trust 42.74%
Complaints performance 75.69%
Transparency rating 74.09%
Fairer Finance score
Reviewed Spring 2023		 60%
Gold ribbon: first place

Savings Accounts

Ranked 6th of 53 providers reviewed.

Customer happiness 71.05%
Customer trust 65.79%
Complaints performance 75.69%
Transparency rating 80.57%
Fairer Finance score
Reviewed Spring 2023		 73%
Gold ribbon: first place

Travel insurance

Ranked 11th of 41 providers reviewed.

Customer happiness 56.77%
Customer trust 56.87%
Complaints performance 63.66%
Transparency rating 67.61%
Fairer Finance score
Reviewed Spring 2023		 61%

Breakdown Cover

EU Breakdown Cover

AA

European Single Trip

3 stars
Replacement Hire Car i
Roadside recovery
Pre-departure Hire Car i
Cover for re-booking i
Will they recover your car in cases of misfuelling?
Will you be recovered if you run out of fuel?
Will they provide a relief driver in instances of driver incapacitation due to injury or illness? i
Will they attend to assist with a flat battery?
Will they attend to assist with a flat tyre?
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Available to purchase alone?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Number of passengers permitted for onward travel as standard i 7
Emergency Overnight Accommodation i
Repatriation i
Will they drain wrong fuel and replace in cases of misfuelling? i

AA

European Annual

2 stars
Replacement Hire Car i
Roadside recovery
Pre-departure Hire Car i
Cover for re-booking i
Will they recover your car in cases of misfuelling?
Will you be recovered if you run out of fuel? yes
Will they provide a relief driver in instances of driver incapacitation due to injury or illness? i
Will they attend to assist with a flat battery?
Will they attend to assist with a flat tyre?
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Available to purchase alone?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Number of passengers permitted for onward travel as standard i 7
Emergency Overnight Accommodation i
Repatriation i
Will they drain wrong fuel and replace in cases of misfuelling? i

UK Breakdown Cover

AA

Membership (Roadside, Homestart, National Recovery and Onward Travel)

4 stars
Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year Unlimited
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 7
Emergency Overnight Accommodation i
Available to purchase alone?

AA

Membership (Roadside, Homestart and National Recovery)

2 stars
Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year Unlimited
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 0
Emergency Overnight Accommodation i
Available to purchase alone?

AA

Membership (Roadside and Homestart)

1 stars
Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year Unlimited
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 0
Emergency Overnight Accommodation i
Available to purchase alone?

AA

Membership (Roadside)

1 stars
Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year Unlimited
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 0
Emergency Overnight Accommodation i
Available to purchase alone?

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 Emergency Cover

AA

Home Emergency Cover (Home Insurance Add On)

2 stars
Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i Covered under the home insurance policy
Cover Type i Add-On
Home Emergency Cover limit i £500.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Boiler Cover
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Boiler Cover
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Roof damage i Covered under the home insurance policy
Pest infestation cover i
Underwriter i Inter Partner Assistance SA
Maximum Excess i £0.00
Alternative Accommodation Cover i Covered under the home insurance policy
24/7 Claims Helpline i
Unoccupied period i 30

Home insurance (building and contents)

AA

Home Insurance Plus

3 stars
Alternative accommodation cover limit for buildings i £50,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i £7,500.00
Escape of water excess i £250.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i £50,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i Sum insured
Keys/locks if lost or stolen (Buildings) i Sum Insured
Money in the home i £1,000.00
Replace belongings new for old i
Trace and access i £5,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i £250.00
Compulsory excess (contents) i £100.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £5,000.00
Liability to domestic employees i £5,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit i Unlimited
Contents cover limit i £100,000.00
Underwriter Contents: Zurich, Buildings: Novae
24hr helpline i
Unoccupied period i 30
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i £15.00
Cancellation fee after 14 days i £40.00
Protected no claims discount option
24-hour claims helpline Home Emergency Only
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection £1,000.00
Blocked drains i
Accidental damage cover Optional
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents £2,500.00
Visitor's possessions Sum Insured
Out in open cover
Frozen Food Cover £1,000.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i Sum Insured
Storage fees (alternative accommodation) i
Garden plants i
Business equipment Sum insured
Household removals
Student's belongings i
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics Optional
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional
Special events (weddings and civil ceremonies) - limit Not Offered
Special events (weddings and civil ceremonies) - days Not Offered
Special events (births) - limit Not Offered
Special events (births) - days Not Offered
Special events (anniversaries and birthdays) - limit Not Offered
Special events (anniversaries and birthdays) - days Not Offered
Special events (religious events) - limit Not Offered
Special events (religious events) - days Not Offered
Cover for home emergency i Optional
Cover for legal protection/expenses i Optional
Cover for items away from home? i Optional
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 55 mph

AA

Home Insurance

2 stars
Alternative accommodation cover limit for buildings i £45,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i £3,000.00
Escape of water excess i £250.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i 20% of the sum insured
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £1,000.00
Keys/locks if lost or stolen (Buildings) i £1,000.00
Money in the home i £750.00
Replace belongings new for old i
Trace and access i £5,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i £250.00
Compulsory excess (contents) i £100.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £5,000.00
Liability to domestic employees i £5,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit i Unlimited
Contents cover limit i £80,000.00
Underwriter Contents: Zurich, Buildings: Novae
24hr helpline i
Unoccupied period i 30
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i £15.00
Cancellation fee after 14 days i £40.00
Protected no claims discount option
24-hour claims helpline Home Emergency Only
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection £1,000.00
Blocked drains i
Accidental damage cover Optional
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents £2,500.00
Visitor's possessions £300.00
Out in open cover
Frozen Food Cover £500.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £500.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment £5,000.00
Household removals
Student's belongings i
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics Optional
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional
Special events (weddings and civil ceremonies) - limit 20% of Sum Insured
Special events (weddings and civil ceremonies) - days 60 days
Special events (births) - limit 20% of Sum Insured
Special events (births) - days 60 days
Special events (anniversaries and birthdays) - limit 20% of Sum Insured
Special events (anniversaries and birthdays) - days 60 days
Special events (religious events) - limit Not Offered
Special events (religious events) - days Not Offered
Cover for home emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 55 mph

Buildings insurance

AA

Home Insurance Plus

4 stars
Trace and access i £5,000.00
Keys/locks if lost or stolen (buildings) i Sum Insured
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i £50,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 55 mph
Escape of water (plus compulsory excess) i £250.00
Buildings compulsory excess i £0.00
Escape of water excess i £250.00
Flood excess i £0.00
Unoccupied period i 30
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £40.00
Amendment fee (telephone) i £15.00
Property owner liability i £2,000,000.00

AA

Home Insurance

2 stars
Trace and access i £5,000.00
Keys/locks if lost or stolen (buildings) i £1,000.00
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i £45,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 55 mph
Escape of water (plus compulsory excess) i £250.00
Buildings compulsory excess i £100.00
Escape of water excess i £250.00
Flood excess i £100.00
Unoccupied period i 30
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £40.00
Amendment fee (telephone) i £15.00
Property owner liability i £2,000,000.00

Contents insurance

AA

Home Insurance

2 stars
Matching sets (contents) i
Cover for keys if lost or stolen (contents) i £1,000.00
Theft from outbuildings cover limit i £3,000.00
Credit cards i £500.00
Amendment fee (telephone) i £15.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 55 mph
Contents cover limit i £80,000.00
Music, film, or electronic downloads i
Documents i £2,500.00
Frozen Food Cover i £500.00
Business equipment i 5,000.00
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings
Shopping in transit 0
Visitor's possessions i £300.00
Temporary freezer storage
Money in the home i £750.00
Theft from bogus officials
Garden plants
Garden protection 1,000.00
Out in open cover
Alternative accommodation cover limit for contents i 20% of the sum insured
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £100.00
Liability to domestic employees i £5,000,000.00
Liability as a tenant i £5,000.00
Property owner liability i £2,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline Home Emergency Only
Jury service Optional (Family Legal protection)
24hr helpline i
Protection against inflation i
Underwriter Contents: Zurich, Buildings: Novae
Unoccupied period i 30
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £40.00
Wedding and civil ceremonies - limits/days Cover Limit: 20% of Sum Insured / Day limit: 60
Births - limit/days Cover Limit: 20% of Sum Insured / Day limit: 60
Anniversaries - Limits/days Cover Limit: 20% of Sum Insured / Day limit: 60
Religious events -Limits/days Cover Limit: Not Offered / Day limit: Not Offered
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional

AA

Home Insurance Plus

2 stars
Matching sets (contents) i
Cover for keys if lost or stolen (contents) i Sum insured
Theft from outbuildings cover limit i £7,500.00
Credit cards i Sum Insured
Amendment fee (telephone) i £15.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 55 mph
Contents cover limit i £100,000.00
Music, film, or electronic downloads i
Documents i £2,500.00
Frozen Food Cover i £1,000.00
Business equipment i Sum insured
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings
Shopping in transit 0
Visitor's possessions i Sum Insured
Temporary freezer storage
Money in the home i £1,000.00
Theft from bogus officials
Garden plants
Garden protection 1,000.00
Out in open cover
Alternative accommodation cover limit for contents i £50,000.00
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £100.00
Liability to domestic employees i £5,000,000.00
Liability as a tenant i £5,000.00
Property owner liability i £2,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline Home Emergency Only
Jury service Optional (Family Legal protection)
24hr helpline i
Protection against inflation i
Underwriter Contents: Zurich, Buildings: Novae
Unoccupied period i 30
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £40.00
Wedding and civil ceremonies - limits/days Cover Limit: Not Offered / Day limit: Not Offered
Births - limit/days Cover Limit: Not Offered / Day limit: Not Offered
Anniversaries - Limits/days Cover Limit: Not Offered / Day limit: Not Offered
Religious events -Limits/days Cover Limit: Not Offered / Day limit: Not Offered
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional

Motorbike Insurance

AA

Motorcycle Insurance

2 stars
Accessories cover i Unlimited
Storage costs pre-repair i
Uninsured driver promise i
Vandalism cover i
Vermin cover i
Accident recovery i
Is motor legal protection optional i Optional
Personal accident cover limit i £25,000.00
Repair Guarantee i 0 years

Personal loans

AA

Member Loan

Representative APR (on £5,000 loan, 36 month term) Illustrative rates shown
Unpaid Repayment Fee i £12.00
Early settlement fee (Days interest) 58 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £40,000.00
Minimum borrowing length 12 months
Maximum borrowing amount 84 months

AA

Non-Member Loan

Representative APR (on £5,000 loan, 36 month term) Illustrative rates shown
Unpaid Repayment Fee i £12.00
Early settlement fee (Days interest) 58 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £40,000.00
Minimum borrowing length 12 months
Maximum borrowing amount 84 months

Savings Accounts

Easy Access Accounts

AA

Easy Saver - Issue 24

Interest Rate (AER) i 2.05%
Maximum Balance i £2,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £100.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

AA

Member Saver - Issue 18

Interest Rate (AER) i 2.15%
Maximum Balance i £2,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £100.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i Must be an AA breakdown member
Penalty free withdrawals? i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

AA

AA ISA - Fixed Rate Issue 25

Interest Rate (AER) i 2.9%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be paid into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 90 days interest, funds will be transferred to nominated account or to holding account
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

2 Year Fixed Rate ISAs

AA

AA ISA - Fixed Rate Issue 25

Interest Rate (AER) i 3%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be paid into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 180 days interest, funds will be transferred to nominated account or to holding account
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Easy Access ISAs

AA

AA ISA - Holding Account

Interest Rate (AER) i 0.85%
Part of FSCS i
Withdrawal Penalty i All withdrawals via nominated account or to an existing AA ISA product.
Minimum Opening Balance i £100.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

AA

AA ISA - Easy Access Issue 28

Interest Rate (AER) i 1.9%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £100.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

AA

AA ISA - Member Easy Access Issue 14

Interest Rate (AER) i 2%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £100.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

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 £500.00
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 61 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 £300.00
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 61 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 £225.00
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 61 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 £750.00
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 £0.00
Combined passport & travel cover limit i £50.00

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 £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 £0.00
Combined passport & travel cover limit i £80.00

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 £225.00
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 £0.00
Combined passport & travel cover limit i £150.00

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 £300.00
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