The AA Car InsuranceCar Insurance

The AA has been part of British motoring since 1905, but its insurance business is younger. The organisation started offering car insurance through its own brokerage in 1967, moving beyond the one-off Lloyd's policy it had arranged decades earlier. It's now the UK's largest breakdown provider, running more than 2,700 patrols, and it sells car insurance in three tiers, Silver, Gold and Platinum, with AA Underwriting Insurance Company Limited and other panel insurers underwriting the cover.

We're partnered with Quotezone.co.uk, as an Introducer Appointed Representative of Seopa Ltd (FCA FRN: 313860). The AA is part of Quotezone's panel of insurers and is included when you run a car insurance search. Quotezone compares your details against the underwriting criteria set by The AA, alongside every other insurer on its panel. That means a quote from The AA isn't guaranteed on every search. It depends on how your profile matches their risk appetite on the day, along with factors like your car, postcode and driving history. Quotezone runs the comparison and includes them in the results alongside other insurers. HowMuch receives a commission if you purchase a policy. HowMuch does not provide advice or make recommendations.

Silver

the entry-level tier with a 4-star Defaqto rating, includes:

• 30 days of EU cover
• Personal belongings cover up to £50
• £150 excess for windscreen replacement, £25 for repair
• Cover up to £750 for lost or stolen keys
• £200 minimum excess for accidental or malicious damage
• Motor Legal Assistance, Car Hire, Motor Accident Plan, Excess Protection and breakdown cover, all available as optional add-ons

Gold

rated 5 stars by Defaqto, includes everything in Silver, plus:

• Motor Legal Assistance as standard, covering up to £100,000 in legal costs
• 90 days of EU cover
• Personal belongings cover up to £200
• £100 excess for windscreen replacement, £10 for repair
• Cover up to £1,000 for lost or stolen keys
• £150 minimum excess for accidental or malicious damage

Platinum

also 5-star rated, includes everything in Gold, plus:

• Car Hire as standard, a replacement vehicle for up to 21 days if your car is stolen and not recovered, or written off
• Motor Accident Plan as standard, an extra cash payment for serious injury or death following an accident
• 90 days of EU cover
• Personal belongings cover up to £250
• £75 excess for windscreen replacement, no excess for repair
• Cover up to £1,500 for lost or stolen keys
• £100 minimum excess for accidental or malicious damage

• Motor Legal Assistance, up to £100,000 in legal costs to help you claim back your excess, lost earnings or injury compensation after a non-fault accident, plus a 24/7 legal advice helpline
• Car Hire, a replacement vehicle for up to 21 days if your car is stolen and not recovered, or written off
• Motor Accident Plan, an extra cash payment on top of standard cover if you're seriously injured or killed in an accident
• Excess Protection, lets you claim back your policy excess once during the year, following an accidental damage, theft or fire claim
• Breakdown Cover, adds AA roadside assistance, national recovery or at-home cover onto your car insurance policy

The AA sells car insurance across three tiers, Silver, Gold and Platinum, each with a Defaqto rating and increasing cover limits. Motor Legal Assistance comes included as standard from Gold upward, covering up to £100,000 in legal costs, while Silver keeps it as a paid add-on alongside breakdown cover. Platinum adds Car Hire and Motor Accident Plan as standard benefits, along with the lowest excess on windscreen and key claims across the range. Breakdown cover itself stays an optional add-on at every tier, including Platinum, rather than bundled in automatically with an AA policy.