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Terms 

To find out more about our policies, you can view all our policy documents here.

Premium rating factors

Our premiums are calculated based on a number of factors. For example age, gender, driving experience, and style of car all play a part in car insurance.  As with all insurance policies, some customers pay more for their insurance than others based on these things – commonly referred to as rating factors.

We have observed a link between payment frequency and the likelihood of making a claim.  As a result, payment frequency will also be one of the rating factors used to determine your premium.

All car insurance policies

AA Insurance Comprehensive Car Insurance 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.

Lifetime Repair Guarantee

Lifetime Repair Guarantee only applies where you use an AA Insurance Quality Repairer 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 Car, Third Party Fire & Theft Car, Classic Vehicle, Caravan/Trailer, Comprehensive Motorhome, Comprehensive Motorcycle, Third Party Fire & Theft Motorcycle. Agreed Value is determined annually at renewal, and is agreed between the insurer and the insured.

For more information, view our policy pages.

All home, landlord and contents policies

For full details of cover, refer to AA Insurance Home Insurance, Landlord Insurance and Contents Insurance 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.

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.