Terms & Conditions

All car insurance policies

AA Insurance Comprehensive and Comprehensive Plus cover automatically includes Third Party insurance. Policy cover with AA Insurance is subject to standard underwriting conditions. Discounts quoted are correct at time of publication and are subject to change. Discounts do not apply to Government Levies. The advertised discount may apply in part, or not at all, if your premium is below our minimum level. Policy conditions apply on any insurance claim and an excess usually applies.

Guaranteed No Claims Bonus for Life
To qualify for our Guaranteed No Claims Bonus For Life you need to have five years accident-free history on a restricted or full driving licence, and have suffered no loss or damage to your vehicle through theft, fire or vandalism through that time. This benefit is available on comprehensive and comprehensive plus car insurance policies only, for the period of time you remain insured with AA Insurance.

Lifetime Repair Guarantee
Lifetime Repair Guarantee only applies where you use an AA Insurance Quality Repairer as following a claim covered under your policy. Lifetime Repair Guarantee will not apply where damage is caused by error or negligence on the part of the owner and/or authorised driver of the vehicle.

Agreed Value
Agreed Value only applies to Comprehensive, Comprehensive Plus, or Third Party Fire & Theft policies. Agreed Value is determined annually at renewal, and is agreed between the insurer and the insured.

For more information, download our Comprehensive Plus, Comprehensive, Third Party Fire and Theft or Third Party Policy Documents.

All home and contents policies

For full details of cover, refer to AA Insurance ContentsCover and AA Insurance HomeCover policy wordings. Discounts quoted are correct at time of publication and are subject to change. Discounts do not apply to Government Levies. The advertised discount may apply in part, or not at all, if your premium is below our minimum level. Policy cover with AA Insurance is subject to standard underwriting conditions.

New for old replacement
AA Insurance provides new for old replacement on items regardless of the age of the items. All items whether damaged beyond repair or lost will be replaced brand new. This excludes clothing, footwear and cosmetics for which you will be paid the repair or replacement cost less a reasonable allowance for age, wear and tear.

All AA Insurance policies

Policy cover with AA Insurance is subject to our standard underwriting conditions. Policy conditions apply on any insurance claim and an excess usually applies.