AA Car Insurance Review

AA is possibly one of the oldest car insurance companies in the UK. I don’t know of anyone who does not know about the AA. They are masters in their field when it comes to car insurance. They currently have millions of people that are members of the AA and many of those people have been with the company for a number of years now. If you are in the market for car insurance, you should most definitely check out the AA. Their customer service is outstanding and the systems they have in place to make sure that you get the best from your car insurance policy are some of the best you will find in the UK.

Reasons to back up why you should use AA Car Insurance

  • Defaqto awarded the AA a 5 star rating when it comes to the car insurance policies that they offer. This is one of the highest awards you can receive as a car insurance company. This award alone proves that the service AA offer is amongst the best in the UK.
  • When you take out a car insurance policy with the AA, they have a rewards system for their members. If you like statistics, get this one….the AA’s reward system saved their members over £4.5 million in the year of 2010!
  • If you are a new customer to the AA and are thinking about taking a car insurance policy out with them then you will be offered 1 year free on their breakdown cover; this alone can save you a fair few hundreds of pounds.
  • You can be safe in the knowledge that the AA know what they’re doing when it comes to car insurance; here’s another statistic for you….they have had over 5 million new car insurance policies taken out with them in the past 5 years!
  • If you are already a member of the AA then you probably know this already but for those of you that don’t did you know that you can get up to £500 to cover your personal belongings in you car. This is double what is offered with their standard car insurance policies.

AA and their Drive Safe System

I happen to think that this is a really fantastic idea. Get this; when you take out a car insurance policy with the AA and you opt to join up to the drive safe system, the AA will install a box into your car. This box measures how safely you drive. The safer you drive, the more points you earn. The more points you earn the more discounts you will receive throughout the year of your policy. Not only that but if you opt to join this system when you take out a new car insurance policy you will also receive a discount when you sign up.

Who can join the Drive Safe System?

That’s easy….anyone! For all parents out there that have children that have just passed their test and now allowed to be left to their own devices when out on the road; why not join them up to this scheme. It will not only teach them how important it is to drive safely but it will also give you as the parent more piece of mind when they are out in their car. This system is also especially useful for people that are currently paying higher premiums due to driving convictions or the fact that they just keep bashing up their car.

What you get with Drive Safe

When you join up to this system you will benefit from the following:

  • Of course you will save money and be able to get the premium rate you currently pay down to a reasonable level if you are paying more than you should for the reasons given above.
  • An anti-theft tracker will also be installed at the same time as the box and this will not cost you a penny.
  • With the box, you will also get a monitor that sits on your dashboard so you know how safely you are driving.
  • A claim line that is available to you 24 hours per day 7 days a week.
  • If you need repairs doing to your car, the AA will provide you with a replacement vehicle until your own car is ready.

I have mentioned this system first in this article as, in my opinion this is one of the most innovative ideas I have come across when looking for car insurance. The AA have managed to combine the fact that they want less people claiming on their policies, ensure that you as the customer save money and also educate people on how to drive more safely.

Now, onto the other car insurance policies that you can get with the AA; the AA is one of the few companies in the UK that still offer Third Party car insurance. If you decide on this type of car insurance policy you will expect to get the following:

  • A 24 hour hotline that is available 365 days per year so if you need to make a claim, you don’t have to worry about when you can call.
  • Protection from damage to your car if someone decides that it might be a good idea to run their key over your nice paint work.
  • Costs will be covered for any medical treatment that you might need due to an accident.
  • If you have a car sharing scheme then you this type of insurance policy will cover you.
  • No Claims Discount – of course!
  • If you want to travel abroad the AA will cover you for 90 days, however this is only if you are in Europe.
  • Your car will be covered by your insurance policy if you leave it in the hands of another professional such as a mechanic or hotel employee that parks your car for you.

The 2nd type of car insurance policy that you can purchase from the AA is Third Party Fire and Theft. The benefits you can expect to get with this policy are as follows:

  • Everything that you get with a Third Party car insurance policy.
  • Damage caused by theft or fire (otherwise what would be the point of the title of the policy)!
  • The AA will replace your keys and locks for you but this is limited to £1,000 and only comes into play if you need them replacing due to fire or theft. If you go for this type of car insurance, don’t lose your keys.
  • If you have a child’s seat, the AA will replace it for you but again this is only if you need it replacing due to fire or theft.

Lastly, the 3rd car insurance policy that you can have with the AA is fully comprehensive. Ok, this will cost you a bit more, nevertheless, with things the way they are on the road today, this is the one I would go for. The benefits you get with this type of car insurance are as follows:

  • Everything you get with their 3rd Party and Third Party Fire and Theft policies.
  • Accidental damage to you car is covered by this insurance policy.
  • If you need repairs doing to your car and you use one of the AA’s approved repairers, they will provide you with a courtesy car.
  • If you need any windows, windscreen or sunroof replacing, you will be covered for this and it won’t affect your No Claims Discount.
  • Your personal belongings are protected up to the value of £250, except if you are and AA member in which case you will receive double that amount.
  • If you have a trailer, this will also be protected under your car insurance policy. The limit here is £500 for a single axle trailer.
  • You will receive up to £5,000 worth of compensation should you are your partner be injured or die in an accident. Be aware here, that should you become an AA member, this amount rises to £7,500.
  • Medical expenses are also covered up to the value of £400 for non AA members, for AA members this raises to £500.
  • The AA will provide you with overnight accommodation or transport to your destination; this is limited to £300 per person or a maximum of £500 for everyone that is travelling.

The above information is a lot to take in; however, I have tried to explain it as clearly as possible. Not everything that the AA has to offer with their car insurance policies has been included. If I did include everything, you would still be reading this in another 12 hours from now….that or you would fall asleep!

I think the AA is one of the best car insurance companies to be found in the UK. Believe me, you will not far wrong with a car insurance policy from them.

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