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AA: Car insurance reviews

Name: Car insurance
Rating: 2.75 (165 reviews)

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2.62

Based on 165 reviews, last reviewed 7th Oct 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

33%

10%

48%

Latest highest rating:

5

Good set up. Set up was good and easy to complete. It was not the cheapest but very close. Friends are with the AA and recommended the site. Reviewed on: 7th October 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.

AA Car insurance reviews (165)

Review of the AA, Car insurance:

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

Rip Off

In the last year 2 people have bumped into my car, and admitted liability. The last one was just before lockdown and so the repairs haven't been completed. Because this case is still open my insurance has increased by £250 - even though the other side has admitted liability and I've got protected no claims. Tried escalating and was told no. The claims handling was a mess because my husband was driving and even though I gave him the authority to deal with the claim AA kept calling me to complete the details - very dificult when I wasn't there. Even after he's given them all the details they still kept pestering us because they didn't have any record. A shambles. In my latest dealings I mentioned in passing the accident from last year and they had no record of it, even though again it went through insurance, and I had a courtesy car for 3 weeks. Because of this they then upped the insurance again. Absolute rip off merchants Reviewed on: 29th May 2020

Amazing

Great supportive company to work with... never feel alone Reviewed on: 16th May 2020

Reasonablr price from trusted company.

I shopped around for car insurance and found their price to be very reasonable and my contact with them was very efficient. Reviewed on: 28th April 2020

Effortless Claim

Started a new car insurance policy in October only to have to claim following a rear end shunt in December. The claim process was simple and my car was repaired within a short time, I would recommend. Reviewed on: 15th September 2019

Good Service

We have both cars insured with the AA. The policy was very easily obtained online at a competitive price. If the price is right at my renewal time I'd be more than happy to sign up with them again. Reviewed on: 13th July 2019

Actually care about their customers

AA have been great to me, I had a couple issues with my vehicle last year and they were right on it when i called. Reviewed on: 7th July 2019

DO NOT BUY AA CAR INSURANCE

DO NOT TAKE OUT VEHICLE INSURANCE WITH THE AA. Another vehicle hit mine whilst they were reversing. The driver admitted liability, so this should have been simple for the AA to deal with you might think...think again!! I have spent hours on the phone trying to get through to the AA, and been passed around. Appalling service. I have spent a ridiculous amount of time sorting out the repairs to my car, dealing with the underwriters, dealing with Claimfast; including responding to their request for a written statement of the incident, sketching the incident etc. REMEMBER, the other driver admitted liability and had informed their insurers (who have written to me saying they accepted their client's liability and would not be contesting) and wrote a note (again) accepting liability, all submitted to Claimfast. I've also to make calls to the recovery/repair garage and arranged my courtesy car. Throughout, this jaw-droppingly bad experience, AA and Claimfast etc. have assured me that, as the injured party, I will not suffer financially, which as I wasn't at fault I didn't doubt. Today I was informed my car is repaired but I have to pay the garage £350 to get it back! Why, because the AA has not waived my excess, which as they have the third party's admission of liability is normally the case. I made more calls Claimfast and the garage. They say the AA is at fault, the AA blame Claimfast. Apparently, I must pay the garage and then try to get my money back via the Uninsured Loss Recovery Claim team. I've been told I should get it back eventually. So, to recap, my car was hit by another vehicle, that driver accepted liability, yet my insurer is not representing me, is not liaising with the other driver's insurers, is not doing anything to progress this, and is now financially penalising me. I bitterly regret taking out AA insurance, I thought they were a reputable company and wish I had accepted the other driver's insurer's (AGEAS) offer to deal with this. If I could give no stars I would. ****AVOID, AVOID, AVOID**** Reviewed on: 23rd May 2019

Good service

very fast in case of breakdown of your car Reviewed on: 30th January 2019

BEWARE

Disgusting service and policy. Two of the women in customer service that I spoke to were extremely rude and not very understanding. The only saving grace was one women who was lovely that tried to help, unfortunately the companies policy that is disgusting wouldn’t allow her to help. Having missed a direct debit payment, which was entirely my fault, the AA decided, instead of trying to take payment again or do everything they could to get in contact with me, they decided to take the entire policy amount of £372 out of my account on January the 2nd. I had not received an email, which apparently they don’t do, no phone call, just one letter which I missed which stated that I missed a payment and I would be charged £12. Absolutely disgusting that they would do that as a policy. What is more disgusting is that when I called up to try and get the money back, even after explaining that the money was for food shopping that month for me, my wife and two children, I was met with it’s not really our problem it’s our policy and all you can do is cancel your policy which we will charge you an extortionate amount for and refund £181?!?!? All because of one missed payment. Happy new year. Reviewed on: 4th January 2019

Rip off insurance

They will try hard to find the reason to not to cover your damage. Not very impress with their service Reviewed on: 27th September 2018

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