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AA: Car insurance reviews

Name: Car insurance
Rating: 2.71 (156 reviews)

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2.38

Based on 156 reviews, last reviewed 11th May 2025

No new 5 star reviews

in the past 90 days

50% 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)

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

FULL UK RECOVERY ????

I got a good price from the AA no doubt about that. Ironically the insurer is AXA who also do Saga , my previous company but here's the thing. Full national recover to home covers you for ONE CALL OUT PER YEAR. I'm putting it in shouty writing because the AA didn't. Reviewed on: 2nd December 2022

Appalling customer service!

We were the unfortunate victims of a clear non fault accident. Have received almost no communication or update on our claim from The AA in a month, had to chase them every step of the way. Now received a total loss offer which is approximately £1400.00 below the current market value of our car & they won't budge. Why should we end up with a significantly lesser car than we had before, through no fault of our own? Terrible customer service, unfortunately you only find out when you need to make a claim. Do yourself a favour & stay away from them, they are truly terrible! Never again. Reviewed on: 6th October 2022

Not Professional.

Car insurance seems to be a con they are a law unto themselves and its going to get worse. Been with Saga and AA car insurance. Even when you have paid them up and in full they appear to demand even more specially when they are not owned for payments. We will be glad to shop arround for new car insurance before renewal. Reviewed on: 11th September 2022

More than breakdown

Got a brilliant quote & snapped it up straight away, i don't believe in having all my insurances with one company. I try to spread the money. Reviewed on: 12th August 2022

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