AA Auto Insurance Review (2024)

In 1999, it was converted into a private limited company. Its public service activities spun off into a separate organization in 2002. In 2007, AA merged with the Saga Group to form a new insurance company, Acromas Holdings Limited.

Acromas Holdings sells auto insurance under several brand names, including The AA. Although AA is no longer involved in public service or advocacy, they still provide extra benefits and services typical of an automobile association.

If you need to learn more about auto insurance, click What Is Auto Insurance.

What You Should Know About AA

Unlike Saga Group, The AA didn’t branch out into dozens of different types of insurance products. They do offer a limited number of other products, including:

• Life insurance
• Home
• Pet insurance

The primary focus, though, has always been on automobile coverage and its related services. They offer two types of policy – whether you need a comprehensive, third-party fire and theft insurance policy, you can get them through AA.

Third-party cover is the minimum cover required by law. It covers injury to others or damage caused to their vehicle or property but not damage to your vehicle.

Third-party, fire, and theft provide the same cover as third-party while also providing cover if your car is being stolen or damaged by fire. Comprehensive policies cover injuries to others, theft, vandalism, or accidental damage to your car.

Beyond insurance, The AA offers financial services geared toward better serving the automotive needs of customers. They even offer driving instruction courses!

You may ask, “How Much Auto Insurance Do I Really Need?” As with most U.K. auto policies, each driver has the option of how much or little coverage he or she wants to purchase, but as in the USA, drivers must maintain the mandated minimum amount of coverage.

U.K. drivers are required to carry a minimum amount of liability coverage, just as we do in the States, but they also have several other options they can add to their policies.

For reference, let’s look at a table showing minimum coverage requirements per state in the U.S.

One of those options is called breakdown coverage. With breakdown coverage, drivers are protected if their vehicles should ever break down while driving.

This type of coverage provides for a tow, replacement vehicle, and even overnight accommodations when necessary.

U.K. drivers can also add a travel insurance policy, which will cover them and their vehicles should they decide to drive outside of the U.K. Many insurance companies offer unlimited driving within the European Union as a standard upgrade to normal policies.

In the United States, we don’t need this type of coverage when visiting Canada, but it is required if we plan to take our vehicles into Mexico. For U.K. residents, this additional coverage is almost a necessity.

What’s the AA customer service like?

Where AA Insurance best shines above its competitors is in the area of customer service. Because they are an automobile association originally built on the idea of advocacy for U.K. drivers, customer service is something they naturally do very well.

One look at their website demonstrates this clearly. For example, the motoring section of the website provides a comprehensive guide to help customers purchase a brand-new vehicle.

The travel section of their website provides plenty of information for U.K. drivers planning to travel within their own country or to neighboring EU countries.

Everything from trip planning assistance to safety notices to road conditions can be accessed from this portion of the website.

You can even find complete details about obtaining an International Driving Permit, broken down by individual country. In other words, where customer service is concerned, The AA leaves nothing undone.

How to File AA Claims

The AA claims process is pretty much the same as anywhere else in the U.K. The company requests that customers call them as soon as possible after accidents.

Customers can file accident reports over the phone and initiate the claims process. The AA provides round-the-clock claims service by professionally trained staff who understand all the ins and outs of U.K. auto insurance.

The AA also recommends that customers allow the insurance companies of all parties involved to work things out after an accident.

When individual drivers try to work things out, it often leads to legal issues and claims disputes among insurance companies. The AA suggests that U.K. drivers are better off exchanging and leaving information at that.

If you’re looking for better auto insurance rates than you pay now, start your search by entering your zip code below. You may even be able to get an online quote from AA.

AA Insurance Coverage Options

Unlike Saga Group, The AA didn’t branch out into dozens of different types of insurance products. They do offer a limited number of other products, including:

• Life insurance
• Home
• Pet insurance

The primary focus, though, has always been on automobile coverage and its related services. They offer two types of policy – whether you need a comprehensive, third-party fire and theft insurance policy, you can get them through AA.

Third-party coverage is the minimum auto insurance coverage required by law. It covers injury to others or damage caused to their vehicle or property but not damage to your vehicle.

Third-party, fire, and theft provide the same cover as third-party while also providing cover if your car is being stolen or damaged by fire. Comprehensive auto insurance policies cover injuries to others, theft, vandalism, or accidental damage to your car.

Beyond insurance, The AA offers financial services geared toward better serving the automotive needs of customers. They even offer driving instruction courses!

You may ask, “how much auto insurance do I need?” As with most U.K. auto policies, each driver has the option of how much or little coverage he or she wants to purchase, but as in the USA, drivers must maintain the mandated minimum auto insurance coverage required by the state.

U.K. drivers are required to carry a minimum amount of liability auto insurance coverage, just as we do in the States, but they also have several other options they can add to their policies.

For reference, let’s look at a table showing minimum coverage requirements per state in the U.S.

Minimum Auto Insurance Coverage Requirements by State

One of those options is called breakdown coverage. With breakdown coverage, drivers are protected if their vehicles should ever break down while driving.

This type of coverage provides for a tow, replacement vehicle, and even overnight accommodations when necessary.

U.K. drivers can also add a travel insurance policy, which will cover them and their vehicles should they decide to drive outside of the U.K. Many insurance companies offer unlimited driving within the European Union as a standard upgrade to normal policies.

In the United States, we don’t need this type of coverage when visiting Canada, but it is required if we plan to take our vehicles into Mexico. For U.K. residents, this additional coverage is almost a necessity.