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AA: Car insurance reviews

Name: Car insurance
Rating: 2.71 (156 reviews)

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2.42

Based on 156 reviews, last reviewed 11th May 2025

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

31%

10%

50%

Latest highest rating:

5

Great value Easy to take out insurance policy, with a great price Reviewed on: 4th September 2024

Latest lowest rating:

1

STAY AWAY! DON'T USE THEM!!! STAY AWAY!!!!! I was involved in accident in which the moped rider was involved in a cash for cash scheme, the AA knew this and refused to pay out on... Read more Reviewed on: 11th May 2025

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About this product

With AA car insurance, you can choose from three levels of cover depending on your needs. Each level has different features and benefits.

If you buy an AA car insurance policy, you’ll keep your no claim discount and pay no excess if an uninsured driver hits your car and it's not your fault. You can also get discounted breakdown cover.

AA car insurance reviews help you find out what it’s really like to be a customer. If you’ve used AA before, you can also leave a review and share your experience.

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AA Car insurance reviews (156)

STAY AWAY! DON'T USE THEM!!!

STAY AWAY!!!!! I was involved in accident in which the moped rider was involved in a cash for cash scheme, the AA knew this and refused to pay out on the claim..I was told that because it was still an open claim my renewal would go up but when they finally do shut the claim that I would have my car insurance recalculated and I would receive a refund. 11 months later I get a call and they inform that I won't be receiving any money back because although it was a no fault claim on my part it was still a claim. I've been driving 2 years now, my car is a base model VW Up the insurance on last renewal for a 1 litre 3 cylinder car driven by a 45 year old man was £1,505 if you are reading this please please please stay away from them. The customer service team are thick as two short planks and sound mostly half asleep and the other half sound put out they've had to speak to you. The insurance assessor I had made inappropriate comments about my number plate and basically camped it up on the phone as if to make light of the matter. All the way through from the day of my renewal I was told I would be reimbursed. I've now taken it to the financial ombudsman. STAY AWAY!!! THEY WILL RIP YOU OFF!!!!! Reviewed on: 11th May 2025

After being involved in a non-fault accident, my exp...

After being involved in a non-fault accident, my experience with AA Insurance has gone far beyond poor customer service — it has become a case of potential consumer rights violations, data protection breaches, and failure to comply with basic principles of fair treatment. On 12 March 2025, AA Insurance issued me a written letter (sent via recorded delivery), confirming various forms of support. Among their offers were: • No excess payment • A suitable replacement vehicle delivered to me • Free pickup and delivery for repairs • A dedicated aftercare team • No impact on my No Claims Discount • No forms required, everything handled over the phone • A like-for-like replacement vehicle: specifically offering an AUDI RS7 TFSI V8 QUATTRO AUTO or equivalent, at no cost to me • £35.60 per day rental coverage if the exact model was not available • Vehicle repairs arranged at one of their approved garages, with warranty compliance Notably, this written offer did not include any statement that services were offered “without prejudice” or “not an admission of liability.” However, after I raised concerns regarding the contradictory handling of my case, AA responded via email by saying: “We offer services, such as hire, on a without prejudice basis to mitigate the claims costs, however this is not an admission of liability.” This is a retrospective justification that directly contradicts the initial letter — raising serious concerns about fairness and transparency. This Process Contradicts the Following Laws & Regulations: 1. Consumer Protection from Unfair Trading Regulations 2008 Section 5(2): “A commercial practice is unfair if it omits material information or presents it in a misleading way, affecting the consumer’s decision-making.” Comment: AA initially made clear promises, only to later alter the terms and revoke services. This constitutes misleading commercial conduct. 2. Consumer Rights Act 2015 Section 49 – Reasonable Care and Skill Section 50 – Binding Information Commitments made before or at the time of a contract are binding if relied upon. Comment: AA’s letter was clear, detailed, and specific. Their later denial of liability is incompatible with Section 50, which binds businesses to uphold the representations made. 3. FCA Principles for Businesses Principle 6 – Customers’ Interests Principle 7 – Communications with Clients Comment: Both principles require honesty and transparency. AA’s change of position and post-facto denial of responsibility violates these standards. 4. UK GDPR & Data Protection Act 2018 AA also admitted contacting my personal insurer without my consent — all while saying they were “awaiting further response from your insurer” and not offering any service. • Article 6(1)(a): Requires explicit consent to process personal data. • Article 5(1)(a) and (b): Lawfulness, fairness, and transparency in processing. • DPA 2018: Prohibits third-party data sharing without lawful justification. Comment: I invoked my rights under GDPR and requested a copy of any shared information. My request was ignored. Instead, I was told: “We have every right to contact your insurer, we don’t need your permission.” This raises serious data privacy concerns, and I have reported the matter to the Information Commissioner’s Office (ICO). Final Note: When I asked AA for further clarification regarding their abrupt reversal and denial of liability, I was told: “A new information came to light.” No explanation was ever provided Conclusion: • AA promised support, then withdrew it without cause or explanation. • They refused to let me clarify the status of my business-use vehicle. • My personal data may have been shared unlawfully. • They ignored my lawful Subject Access Requests. • They contradicted their own written commitments. This experience has been marked by inconsistency, opacity, and potentially unlawful practices. I am sharing this review to ensure others are fully aware before engaging with AA Insurance. Protect yourself — document everything, and seek legal guidance if needed. Reviewed on: 22nd April 2025

Disappointing Experience with AA Insurance Caution...

Disappointing Experience with AA Insurance – Caution Advised On 10 March 2025, I was involved in a car accident where the other driver admitted fault, and the incident was reported to their insurer, AA Insurance. Subsequently, I encountered significant issues regarding the provision of a replacement vehicle. My vehicle falls under the P8 category, and I was presented with two options: 1. Accept a P4 category vehicle along with a £200 payment. 2. Receive a P8 category vehicle equivalent to my own. I chose the second option, opting for a vehicle comparable to mine. However, AA Insurance later claimed that I had agreed to the first option, which was not the case. This misunderstanding led to a dispute, and as a result, all services related to my claim were halted. Since the date of the accident, I have faced considerable inconvenience and distress. I am actively exploring all legal avenues to address this situation. For those considering AA Insurance or dealing with them due to an incident, I strongly recommend the following: • Do not rely solely on verbal agreements. • Request written confirmation for all communications and agreements. • If possible, record phone conversations using your personal device, ensuring you inform the other party of the recording. This advice also extends to interactions with AX, the car rental company affiliated with AA Insurance. In summary, I advise exercising caution when dealing with AA Insurance and ensuring all communications are well-documented to prevent potential disputes. Reviewed on: 16th April 2025

Cancelled my insurance and then charged me because t...

Cancelled my insurance and then charged me because there incompetent admin team didnt cancel it on the right date !!!!! Reviewed on: 20th January 2025

AA car insurance expensive and rubbish

On September 23rd last year I drove through some flood water on my way to our daughters house, I drove slowly, I had no choice because of cars behind me etc. Driving through the flood water caused my power steering to fail, a light comes on the dashboard warning you do not drive, I made it to my daughters house and I called the AA recovery and they sent one of their engineers to diagnose the fault which he did using his diagnostic equipment, I also rang the AA insurance line to make them aware, they said no problem it would be covered and promptly arranged a courtesy car. Over the next 3 or 3 weeks they attempted to find a garage to look at my car and they failed to do this, the garages they were sending me to were body repair garages. In the end they asked me if I could find someone, i rang a couple of Audi dealers and even got my car recovered to one of them but when their director heard it was being paid by the AA insurance he told me to collect the car because they took too long to pay and he didn’t want to deal with them. So after about 5 weeks the AA insurance sent an independent assessor, who was obviously used to looking at collision damaged cars because all he did was take a photo of the sides, front and back of my car, then he checked the tyre tread depths before opening and closing the bonnet. He then started my car and of course this warning light came on “power steering failure” He then told me what I already know that it was a power steering failure. He then said he’d seen this before water getting into the steering rack and as my car was 8 years old this had probably been building up over time until I went through the flood water and pushed it over the edge. He wrote this in his report to the AA and they promptly took my courtesy car back and said my car wasn’t covered as this was fair wear and tear. I’ve since contacted Audi main head office and they’ve confirmed there’s no such history of this as a fault on the Audi A5 car. The AA insurance are still adamant that I’m not covered, based on this assessors theory. I am not happy at all with their service to me. I’ve e just had a reply from AA car insurance saying “ sorry to hear about my experience give the claims team a call to see if they can help,” unfortunately I’ve been in touch with them for the last 3 months and they are still adamant that are not going to be held responsible for my repair even though I’ve been in touch with Audi themselves and they refute the independent assessors claim that this is a know fault that builds up over years, and he did all that without looking at anything, they did reply suggesting I talk to customer care to resolve this but unfortunately I’ve already done this and they have dismissed my claim again Reviewed on: 13th January 2025

Shocking customer service

Get touch with them to arrange a new payment plan dye to personal reasons after been informed I could for them to cancel my policy and tell me there not willing to help I spoke to 5 different people all fobbing you off because they can't be bothered to help to tell me there not willing to wait 8 days for a payment now iv got a cancelled policy witch makes it harder to gey insurance. Disputing how they treat the people that pay there wages Reviewed on: 27th September 2024

Great value

Easy to take out insurance policy, with a great price Reviewed on: 4th September 2024

Car insurance renewal rip off

Car renewal offered with a £220 increase from last year. 13 years no claims, they were set to take on automatic renewal. When I found cheaper deal after much deliberation they confirmed they could match . Sick of companies trying to rip off loyal customers with large premium hikes on automatic renewal. They hope customers push back . Whatever happened to valuing loyal customers! Reviewed on: 4th September 2024

Not so wonderful but then it is the AA

Not so wonderful but then it is the AA Reviewed on: 4th September 2024

AA are great for business commuters.

AA are very competitive in price, most companies don’t offer breakdown over 10miles but when you commute for work you need more and AA provide this! Reviewed on: 4th September 2024

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