Giving customers a better understanding

Woman sits on couch researching insurance on her phone

At AA Insurance we’re working hard to ensure we’re transparent, open and honest when it comes to your insurance.

In 2019, we set out with this in mind and rewrote our personal insurance policies in plain English. We’re proud to say they now hold the Writemark, independent proof that the writing meets a high standard of plain language.

The next step was helping our customers understand and compare premiums, and in particular, their renewal premiums. To help with this, we now print the premium that renewing customers paid last year alongside this year’s premium on renewal notices. As well as this, we’ve included a percentage to help customers identify any change.

We don’t expect our customers to search through a year’s worth of paperwork to find last year’s insurance premium to make the right financial decision about renewing their insurance. For us, it’s about helping our customers the best way we can and being clear about pricing is a simple way we can do that.

– Chris Curtin, CEO

We know that changes to your insurance policy throughout the year are often needed. This can then make it difficult to compare renewal premiums, especially if the changes resulted in a change in premium. To make things easier, if changes have been made throughout your policy term, we’ll incorporate this into the figure we display for the premium you paid last year, and we’ll show you a ‘like-for-like’ premium. This means that you’ll receive an accurate account of how much your renewal premium would have been if those changes had been made from the beginning of your last policy term. That way you can compare apples with apples.

For example, if you replaced the car on your insurance policy within the last 12 months, we’ll update last year’s premium to show what you would have paid last year for your new car, alongside what you’ll pay this year. If you haven’t made any changes throughout the year, your renewal notice will show you what you paid for your policy last year.

Changes to your notices
Notice changes

It’s important to us that our policies and premiums are simple and easy to understand. In addition to the changes we’ve made to our renewal notices, we’ve created our new Premiums webpage with everything you need to know about what can impact insurance premiums and some of the external factors that can play a part in calculating premiums.

Any questions?

Now’s a great time to review your insurance. We recommend checking your details are up to date and ensuring the policy and cover you’ve chosen is right for you and your insurance needs.

If you have any questions about your insurance, need to update your AA Insurance policies or would like a quote, don’t hesitate to contact us. We’re open from 8am to 8pm weekdays and from 8am to 6pm weekends and public holidays.

This blog provides general information only and is not intended to be a recommendation or personalised financial advice. Excesses, terms, conditions, limits and exclusions apply to AA Insurance Limited’s policies. Please check the policy wording for details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.

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