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AA: Car insurance reviews

Name: Car insurance
Rating: 2.74 (164 reviews)

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2.48

Based on 164 reviews, last reviewed 6th Sep 2025

400% increase in 5 star reviews

in the past 90 days

33% decrease in 1 star reviews

in the past 90 days

32%

10%

49%

Latest highest rating:

5

Easy to discuss on phone helpful lots of options Easy to discuss on phone helpful lots of options Reviewed on: 6th September 2025

Latest lowest rating:

2

Always check on renewal price for better deal We received our renewal price and after looking elsewhere decided to ring to see if they could offer a better price. This they did taking a substantia... Read more Reviewed on: 4th September 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 (164)

Easy to discuss on phone helpful lots of options

Easy to discuss on phone helpful lots of options Reviewed on: 6th September 2025

Insurance website was slow, when it came to the paym...

Insurance website was slow, when it came to the payment stage it took over 6 minutes to load the payment page. Reviewed on: 6th September 2025

Competitive car insurance

Got a quote for new car insurance as existing insurers renewal a little high. AA came in at a competitive quote and resulted in cheaper insurance with even more extras included. Reviewed on: 5th September 2025

good cover

easy to apply on internet with good cover and very good price for the cover Reviewed on: 5th September 2025

Excellent quote and customer service

Excellent quote and customer service Reviewed on: 5th September 2025

Always check on renewal price for better deal

We received our renewal price and after looking elsewhere decided to ring to see if they could offer a better price. This they did taking a substantial amount off the renewal price. Reviewed on: 4th September 2025

Car not fixed. Won’t give like for like car to repair

“Following an accident that was not fault. The 3rd party admitted liability at the scene. Phoned AA and initially they told me because I lived in wales I needed to find my own repairer and they required quotes to see. Eventually after much back and forth they agreed to take it to a garage they use. The garage did not fit the car correctly and following been told it’s just water marks and independent assessor has stated there is over £560 plus VAT repairs still to be complete. The AA offered me £78 yo take it to my own garage and get it fixed. They are now refusing to provide me with a courtesy car that fits my family (3 car seats in back needs) if the car goes back to their repairer to fix the work that was not done initially Avoid the AA. They don’t look after customers. When trying to claim for car seats their response was “that is just life” They also refuse to give a like for like car as a courtesy car even though they had admitted full liability that the repair work was not to standard. Reviewed on: 20th August 2025

Reference number: AAS485674, I am not satisfied wit...

Reference number: AAS485674, I am not satisfied with this outcome of my accident. Minimal botched repairs were carried out to my vehicle after the accident by AA. I am currently not working so would not be able to afford this diagnostic they’re requesting. This is terrible service as my insures should cover accident damages considering I’m paying £75 monthly, rather than expecting me the customer to wait to pay out of pocket to get the car repaired during my MOT eventhough I was rear ended. I’m so disappointed in AA as an insurance company, as after my car was repaired paint work was pealing at the bottom of the booth, whilst the brake constantly screeching which has been since the accident, but rather that doing what is obligated by my insurance company they kept referencing I need to pay to get the work done by MOT out of pocket. Terrible service I do not recommend AA. Displeased with service. Got back to via email after a week, when I was told I would be called to get an update. Pure avoidance. I would like my car properly fixed back breaks and booth paint work! Disgraceful Miracle Reviewed on: 16th July 2025

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

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