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AA: Car Insurance reviews

Name: Car Insurance
Rating: 2.76 (151 reviews)

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2.48

Based on 151 reviews, last reviewed 27th Sep 2024

40% decrease in 5 star reviews

in the past 90 days

86% decrease in 1 star reviews

in the past 90 days

32%

11%

48%

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

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 n... Read more Reviewed on: 27th September 2024

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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 (151)

Review of the AA, Car Insurance:

Fair price

I appreciated that they were willing to match a renewal quote I had seen elsewhere. However it was disappointing that when they tried to add on Breakdown Cover they couldn't give a definitive answer to the question of whether our dog would be permitted to ride with us in the rescue vehicle if we needed roadside assistance. I learned recently that some recovery services make the dog stay in the car, which is towed separately - we would consider this totally unacceptable and don't want to sign up to a service that would treat our beloved pet this way. Reviewed on: 10th October 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

Appalling!

Appalling claims experience! Just changed to AA Insurance, unfortunately had to make a claim a month ago. Car still outside my house waiting for repairs to be authorised. Even allowing for the holiday period, this is an unreasonable delay. Different departments don't seem to communicate with each other; I've had to make numerous calls myself. Third party details that I submitted not 'loaded onto the system' for 2 weeks. Excessive wait times for calls to be answered. No response to emails, including from the complaints section. Will change insurers as soon as this claim completed. PS Just been told that the earliest date for repair of my car is 11 Feb! Reviewed on: 11th January 2023

Very poor service

Having read a lot of the reviews below , I to feel let down by the AA. My car was hit while parked by an out of control driver. The AA repairs garage had my car 12 weeks saying they we’re waiting for parts. When it was returned it had a broken grill damaged body work and missing parts. The car was taken back to the garage and was kept another 8 weeks before it was returned again . An independent assessor examination revealed poor paint work missing parts . Nine months later after an apology from a senior engineer my car has still not been repaired properly. Such poor service, endless emails and phone call and nobody gets back to me. I’m a 72 year old pensioner, I thought using the AA was a safe company a company to rely on a company iv been a member for 50years . My car is on my drive stil not repaired, I’m still waiting for someone to have the courtesy to contact me , I don’t complain but I have today . Bad service. Reviewed on: 22nd December 2022

rip off

complete rip off had two car policies sold one car got charged £30 cancellation fee for car I sold got charged £30 pounds admin fee on the car I kept they ported over the no claims bonus onto the car I kept and now the policy is even more expensive to cancel the policy will charge £130 and the insurance I could get elsewhere is £200 a year cheaper So if I were to change that's £190 in cancellation and admin fees you think that's good value the aa! And I am also stuck paying till next sept over the odds car insurance COMPLAINTS TEAM WASTE OF TIME cant do anything wont ever but from the AA again WELL DONE AA NOT Reviewed on: 16th December 2022

Worst Insurance Service Ever

Absolutely pathetic level of service ... Guy be aware of the game they play through the customer services.. My Vehicle battery was dead .. i called them and ask for the assistance... They customer service representative told be that car tax is expired i told her ok i will tax and call she didnt say anything.... Next morning i called her again she said ok somebody is going to come... she kept on waiting and when in the end they cant manage to come they simply called and excused that first time you called your vehicle was not taxed we cant help.. I asked them she could have told me more then 12 hours ago ..why she didnt guide me... He said we cant do anything that how we do.. I said to him my insurance was valid yesterday he said yes.. i asked him what was valid service at that time .. she said no service just membership was valid but no service you can take.. I asked him why you take money if there is no valid service he said we cant do anything... I asked him who is going to pick my daughter from school because of your mistake this happened he said... you should rush ... and go pick her up ... That was the sign that we don't do anything... we are here to say No... I kept on asking why that customer service representative kept me waiting for more then 12 hours i could have arranged someone but he said i cant say anything.. that how we are Be aware guy that we the worst service ever they will take money and whenever you need them if they are busy they will have hundred of excuses.... So do not take them seriously they are absolutely wasting time. I would not recommend anyone to pay money and think that this will work Reviewed on: 2nd December 2022

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