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AA: Car Insurance reviews

Name: Car Insurance
Rating: 2.73 (154 reviews)

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2.42

Based on 154 reviews, last reviewed 16th Apr 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

32%

10%

49%

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

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... Read more Reviewed on: 16th April 2025

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About this product

Are you looking for your next car insurance provider? Check out the customer reviews on Smart Money People to make an informed decision about your next provider. We collect AA car insurance reviews from genuine AA customers to give you some insight into what you can expect as an AA policyholder.

AA insurance services started in 1967, and has now expanded to offer a variety of policies, like electric vehicle, van and short-term cover. With optional add-ons such as legal assistance, excess protection and breakdown cover, AA’s policies are flexible to cater for a variety of needs.

What is your biggest priority for a car insurance policy? Do you value the lowest price premium on the market, or do you prefer to pay a larger amount for more protection? Are you looking for some add-ons to your policy? Perhaps your main concern is finding a provider with an impeccable customer service track record? Whatever your needs, read our AA car insurance reviews to find out how genuine AA customers rate their policies.

Have you had a car insurance policy with AA? Leave an honest review on Smart Money People to help other drivers just like you. Why did you choose to be insured with AA and has it lived up to your expectations? Were you satisfied with the price of the premium of the level of cover you received? Did you have to make a claim on your policy, and if so, how was it dealt with? Whether good or bad, leave an AA car insurance review today. Together, we can help people like you make better decisions.

AA Car Insurance reviews (154)

Review of the AA, Car Insurance:

AA to Z

I've never had a bad experience. Always friendly, fast swift renewals, and no under handed small print stuff lol, if there's been a bump. They are a well known brand, and for very good reason. They know well. Reviewed on: 31st July 2018

Shockingly bad customer service ,would give zero stars if possible

Having been an AA customer for a number of years it is surprising to have had such a bad experience over the past 5 days. I changed my car so phoned to update my insurance. Having waited for 30 minutes my call was cut off. Waited another 30 minutes to get through. Was given 2 options one was to change existing policy and the other to take a new policy. The new policy gave no overlap cover so this wasn’t an option in case I was delayed picking my new car up. Not to worry, I was told I could proceed with an amendment to my current policy and then phone to get a new quote once I had the car if I wanted to as the amendment was nearly double the price of a new policy. If I did this there would be a £30 admin fee. That’s okay I thought as at least I knew I was covered. So following this advice I phoned this morning. Learning from my mistake I phoned at 8am- through immediately. However after a drawn out call involving a long period on hold I was told they couldn’t give me an amended quote. My only option was to cancel- with a few of £130+ or continue with the insurance which was nearly double the quote given last week. I feel completely ‘done over’ by The AA. At no point was I told I would in essence be stuck with a high cost insurance and at no stage told I would have to pay £130 to cancel my insurance. Having been a loyal customer for years of both insurance and roadside assistance I now know loyalty means absolutely nothing. If you want to be ripped off do go with The AA Car insurance as they do this rather well! Reviewed on: 10th July 2023

The Worst! Shop around!!

This was the worst experience I've ever had with a company! I chose them because they're old school and thought what could go wrong! Well everything went wrong, they put in my file that I had an accident claim, pushing up my rates, then when I called, had a customer service adviser, or the phone down on me! Then when I call back and check, they tell me, yes it's our fault we apologise, then hit me with a quote double the price of last year, and remove my no claims bonus?!? They have said its fixed now, but it's not!! I'm going to have call them again! Which takes a minimum of 2 hours, whilst I'm passed around from pillar to post! Just the absolute worst service, don't think what I thought, that them being older, they carry a higher standard, because they don't, shop around!! Reviewed on: 2nd June 2023

Car insurance

Customer service very helpful and keep you informed Reviewed on: 1st June 2023

The c. U. N. Ts of the road

Never repaired my car got me a solicitor botts the mong. Ol a d spas tic wan ker of asso called solicitor set up the white house hotel worcester rips off all set me up with a pysio regarded hope trys and never born or never sees light that would de a pay. Back and make me smile it would give Me fath that there is a god and he punished you remember keep clear from these animals and if you need proof of enythink all emails phon Gary 07778 954405 all c. Nts involved steer automotive Stratford on Avon retar Ed botts solicitor the white house hotel worcester keep klear a place to avoid you will be robbed if you attended the doctor here and he has gone home don't worry I have a full on photo shaking his hand and a full one in the front reception calling my name please use me I have statements from the health and safety team who were having a meeting there on my day and I had photos with them and I have permission to use them Reviewed on: 19th May 2023

Poor Attitude to Service

I transfered my car insurance to the AA this year thinking a good recognisable brand. Paid my annual premium upfront. To receive an email a week into my policy I need to pay 10% more as 4 years ago someone drove into me (not my fault in any way) but as a result the insurance company underwriters deem me to be a higher risk as someone drove into me. One how is this legal and clearly discrimination against a victim of an accident. I complained and got told the complaint will be a closed complaint (so they are not interested) and I will get a letter in 7 days to tell me tough luck. Appalling. I will never use them again and will discourage anyone else to do so. Reviewed on: 18th May 2023

Policy not worth the paper it's written on!

Took out home insurance with the AA and paid extra for a Home Emergency Cover policy, which states words to the effect of "will identify and send a trader to undertake repair". Had a leak under our sink last week, duly called the AA and they duly sent a trader (A Lings), who simply said your valve is leaking so I've switched off your hot tap. Oh don't you have a spare valve, I enquired; no I'll order one said the so called plumber and we'll get back to you. We subsequently turned on the cold tap, only for water to gush all over our floor. I rang A Lings and explained what had happened only to be told I'd have to put in a new claim if I wanted them to return to isolate the leak. I said but aren't you due back to fit a new valve? No, that's not our responsibility, we came to isolate the leak only. I rang the AA back and the officer said, no they should have fixed that, not just isolated it, I'll give them a call and will call you back. Well, the only call back received was from A Lings, who reiterated, our job was to isolate only. I rang the AA back; different operator this time who said, well if that's what they are saying then you must only have cover for isolation. So the AA who sold me the policy cannot even be bothered to read the policy to see what cover a client actually has.... What a joke. So, having paid the AA for emergency cover, which states we will fund up to £500 per emergency, we called a plumber independently who said that the cold water was simply travelling through the hot water leaking valve; so the A Lings plumber either didn't care, was trying to get an additional claim to isolate properly or is totally incompetent. All this aside from the fact that our policy states "we will repair".... Wrote to the AA CEO - not even an acknowledgement, let alone a response so this outfit just wants to take people’s money but has no intention of fulfilling their obligations as stated on the policy. I've cancelled auto renewal of breakdown cover too so when that and the household policies expire, the AA has lost our custom. Reviewed on: 1st May 2023

Appalling customer service

If you want to have to chase your claim…hold on phones that ring out indefinitely and generally get the run around then this is the insurance for you. It has proved very difficult to process the simple claim of a key replacement - even though the work was carried out by an AA engineer. No responses from emails and phone helplines. Reviewed on: 23rd March 2023

Excellent service

Very good experience with them and friendly service Reviewed on: 10th March 2023

Shocking service

DO NOT insure your car with this company. An entirely non fault claim and they have been so unhelpful, offered a shocking price for my car they decided to write off (which had minimal damage). No contact from them at all the only updates being when i called them. Returned the hire car despite the claim not being settled resulting in me losing my job as I had no way to get there and no money to replace my car. Horrendous. One star is far too much. Reviewed on: 21st February 2023

Good until you need them....

I took out my AA car insurance policy with a courtesy car add on via a price comparison site. Decided to pay that little bit extra for the reputation and service I thought I would be getting. All good until I was involved in an accident and I was told that no courtesy car was available to me on my policy. I rechecked and on the summary there was a courtesy car included so I rang them...apparently on page 21 of a 56 page policy document it states that if your car is deemed a write off no car is provided. Firstly this is concealed so well and not made clear, that you also have to purchase a hire car add on in addition to a courtesy car in the even of a write off. Secondly how can they accurately know this in the event of a phone call reporting a claim? In my mind until an engineer has inspected the vehicle it hasnt been deemed a right off. When I contacted them no decision had been made as the engineers hadnt even looked at it (nearly a fortnight later) So its a losing situation as you can't get paid any money for your car until a decision is made. They also told me I wasn't covered for personal possessions (mobile phone) and when I read through all the small print it said I was covered. I rang them again and suddenly I was covered, only after I quoted the policy page number. It took nearly 6 weeks to get a decision on my car valuation from start to finish and I still wasn't able to replace it with a like for like vehicle. Surely I should be able to get the market value of the vehicle written off in order to purchase a direct replacement? I waited another four weeks after I rejected the first offer they gave me. Only after 2 weeks did someone tell me that I could receive an interim payment for my car. This involved a ten working day wait as well from requesting this. I naively thought it would be that day or the following day at the latest. I struggle to comprehend how none of the other 3 staff members I spoke to disclosed this? None of the departments seem to communicate with each other or to me and it's impossible to speak to a manager or similar. They refer you to complaints who only contact you once with a phone call. If you miss that one that's it for a few weeks. I am a nurse so was with a patient when they called. Eventually I had a call from someone a good three weeks later but he was unable to provide any sort of resolution or reassurance surrounding my concerns. I ended up having to pay to hire a car to get to work, could only afford one week so this was unnecessarily stressful in an already stressful situation post accident. In summary, this has left me out of pocket by around £3000 in total and nothing I had accounted for in the current financial climate as an NHS worker and lone parent. Reviewed on: 18th February 2023

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