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AA: Car insurance reviews

Name: Car insurance
Rating: 2.75 (165 reviews)

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2.58

Based on 165 reviews, last reviewed 7th Oct 2025

75% 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

The AA living off a respected past.

I recently purchased car insurance via the aa and fortunately due to a error which was no fault of either party I cancelled and was so glad I had. The aa customer service is non existent and basically lies and argues with you and when you go to the top the person you deal with is obviously the guy who trains them as he is as obsturd and as stubborn as the reps. I maybe 50+ but I will not be told what's right and what's wrong and then expect me to pay for it and to keep quiet. Such a shame the aa had a good old fashion reputation for reliability and trust, something I will never entrust to anyone . Reviewed on: 18th November 2021

Nightmare to get our car repaired

Still waiting nearly 3 weeks to get our car repaired. It's not even started yet. The AA are clueless. Reviewed on: 5th August 2021

Very good

Very helpful and the customer service people like understanding. Reviewed on: 30th July 2021

Hiking up premiums

Had to pay a extra premium for a non fault accident? (windscreen repair). Most insurers don't charge or take any no claims earned. Reviewed on: 12th April 2021

1st year ok

Very good car insurance 2nd year am staying with them Reviewed on: 17th February 2021

Unauthorised transactions

The AA will take money from your bank account with or without DD instruction, if you have to sever ties with them make sure you order a new card as they will still bill you regardless. totally illegal and underhand. Report to FOS if this happens to you. Reviewed on: 21st August 2020

Great cover, nice and easy to understand

I went with the AA because they were the cheapest on a comparison website at the time having never used them before, very easy to understand all the additional add ons and what was already included, I particularly liked that they offered a reduced rate on breakdown cover too as a policy holder, only needed to contact them to say I didnt want the policy auto renewing and they got back to me in a very timely manner, would use them again in the future just they couldn't beat another companies quote this year Reviewed on: 14th July 2020

Great value

Great value would recommend just what I wanted , no problems at a good price Reviewed on: 12th July 2020

great service

friendly and efficient and great value Reviewed on: 11th July 2020

Great service

AA was the only company who covered my travel insurance for Covid19 Reviewed on: 18th June 2020

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