Car insurance – already with us

When you bought your insurance, you could choose to receive your documents either by email or post. If you chose post, they should arrive within 5 working days.

If neither has arrived yet, check your email junk folder or contact us via chat.

The email contained a link to set up your account, where you can find your insurance documents. They should be available 24 hours after purchase. After you set up the account, you can log in and view your documents anytime.

Documents sent by post are not available online.

If you need a replacement set of documents, contact us via chat.

When will my monthly payments be taken?

When you buy your insurance by monthly instalments an initial deposit is paid by card, then the rest of your payment will be made in 11 monthly instalments by Direct Debit.

The dates of the instalments will be shown in the Credit Agreement sent to you by post – it takes about 5 working days to arrive.

If you want to change the Direct Debit date, or you've missed a payment, call our instalment team on 0344 871 0096. Lines are open Monday to Friday 9am to 5pm.

Driving other cars

Our comprehensive policy allows you to drive other vehicles with third-party cover, unless it's specifically excluded by your insurer. If this is excluded, we'll have stated this when you got a quote.

Your current Certificate of Motor Insurance will confirm whether you can drive another car which doesn't belong to you.

There are conditions that apply to this benefit, so check your policy booklet for more details.

If you have comprehensive cover, then windscreen cover is included. We cover the windscreen, sunroof and the remaining windows. And your no claim discount is not affected by a windscreen claim.

A windscreen replacement is subject to the excess for glass damage on your Statement of Insurance/Fact. There may be an excess to pay on a windscreen repair, check your policy documents for more information. 

To make a glass claim and arrange a repair, you can:

• Book an appointment

You'll need your policy reference, the policy start date and the name of the insurer. You can find them all on your Statement of Insurance/Fact.

We're here to help 24 hours a day, 365 days a year

If you're unfortunate enough to have an accident, injury, loss or damage regardless of fault, we're ready to help.

To make a claim, call us, report online or on the app.

Please have your policy number handy – you can find it on your Statement of Insurance/Fact.

When you contact AA Accident Assist, your claim advisor will explain all the available options, and assist you through every step of the claims process.

Then, once the incident report has been completed, we'll arrange repairs to your vehicle and a replacement vehicle, or pass you to your insurer to progress the claim.

Your AA Accident Assist claim advisor will contact you in a week to discuss how the claim is progressing, and see if we can help you further.

Car insurance claim help

Before you get in touch, read our advice about making a car insurance claim.

Is a courtesy car included on my policy?

Yes, a courtesy car is available with comprehensive cover. Following an accident, you'll get a courtesy car while yours is being repaired.

Although we don’t offer a multi-car policy, we can give you a quote for a second car. 

After you set up your AA account, you can then log in to access all your insurance documents. They should be available 24 hours after purchase.

When you log in, enter the email address and password that you used to set up the account – remember the password entry is sensitive to capital letters.

If you've forgotten your password, just use the Forgot your password? link to create a new one.

Or if you believe your login details are correct but still can't get into your account, contact us for help via chat.

You can find more advice on our account help page.

Where can I find proof of my no claim discount?

New customers

When you get a car insurance quote, we ask how many years no claim discount (or no claims bonus) you already have. This information can be found on the cancellation notice or last renewal invitation from your previous insurer.

In order to validate your policy after purchase, we may ask for proof of the discount you've earned.

You can send us a copy of the renewal or cancellation notice, or a letter on headed paper from your previous insurer.

The document must be dated within the past 2 years, and isn't used for another vehicle. Also, please tell us about any gap of more than 30 days between your previous and the new AA policy, including claims or convictions.

You can either email or send the document to us:

[email protected]

AA PO Box 2AA, Newcastle upon Tyne NE99 2AA

The document should show:

• Your name and address
• The previous insurance policy number and expiry date
• The vehicle registration number
• Number of years no claim discount

On receipt we'll acknowledge the proof of your no claim discount. If we do need further information, we'll allow you sufficient time to provide it. Meanwhile, your AA car insurance policy remains active.

Existing customers

If you already have car insurance with us, the number of years no claim discount is on your Statement of Insurance/Fact. You'll have received a copy at purchase or renewal, either by post or in your account.

If you need a replacement Statement of Insurance/Fact, log in to your account to print a copy or contact us via chat.

If you cancelled your policy before the renewal date, the number of years will be on our cancellation letter. Otherwise we can't send proof of your no claim discount until your policy has ended.

When will I receive my renewal quote?

Your renewal invitation quote is generated around 28 days before the renewal date.

If you previously chose to receive your documents by email, they should arrive on the same day.

Whereas documents sent by post may take up to 7 working days to reach you. 

Where can I find my renewal policy documents online?

If you previously chose to receive your documents by email, they should arrive around 28 days before the renewal date. Remember to check your junk folder.

You can find and print them via your account. Log in with the email address and password you used to create the account.

Or if you haven't done so already, it's easy to register for an account.

I haven't received my renewal invite yet. Should I call you to renew?

If you're worried about your renewal, contact us via chat to make sure it's on its way. We usually send your renewal invite around 28 days before the renewal date.

Where can I find proof of my no claim discount?

Your no claim discount is shown on page 3 of your renewal invitation, or it's on your cancellation letter if you cancelled your policy before the renewal date.

Allow up to 7 working days for your cancellation letter to arrive after you cancelled your policy. We can't issue an official letter as proof of your no claim discount until after your policy has ended.

Can I renew my policy online?

Our online renewal payment service is available for some of our eligible customers who pay annually by card. Your renewal letter or email will confirm if you can renew online.

I've just received my insurance renewal in the post or by email, and it says I can renew online. How do I do this?

To renew and pay online just log in here and have your policy documents to hand. Before you log in, check that the cover still meets your needs and the details are correct.

When can I renew my policy online?

You can renew online from the day you receive your renewal invite until your cover lapses.

My renewal letter or email says I can renew online, but I need to make a change first. Can I do this online as well?

No, you can only renew online if there are no changes to your policy. If you do have changes or the policy cover no longer meets your needs, call us on 0330 053 0239 to update your renewal.

If I call you and make a change to my policy, can I then renew online?

Yes. If you're not ready to renew on the call you can renew online later, but only for the revised premium confirmed on the phone.

To see the new quote in your account, you'll need to refresh the page or log in again.

I've tried to renew online but can't log in to my account.

We're sorry there's a problem trying to renew online. You can call us on 0330 053 0239 to renew, and we can also help to resolve your login issue.

I've renewed my policy online but haven't received an email confirmation. Am I covered to drive?

If you opted to receive your policy documents online, the email confirmation will be with you within 24 hours. Or if you chose to have your documents by post, they should arrive within 7 working days.

If you still haven't received an email or the documents in the post, contact us via webchat.

Why can't I renew online?

We're rolling out the renewal payment service to our customers in stages, and we'll contact you to confirm when you can use this service.

I pay by monthly instalments. What happens if I cancel my policy?

The final instalment is normally due the day before your policy expires, as payments are made in arrears.

If you cancelled your Direct Debit before the last payment has been collected, contact our instalments team directly on 0344 871 0096.

Does cancelling my car insurance or the renewal also cancel my breakdown cover?

If you bought your car insurance before 30 December 2021, then your breakdown cover is a separate policy with AA Breakdown Membership. Cancelling your insurance won't also cancel your Membership.

If you want to discuss your AA Breakdown Membership renewal, call the Membership team on 0343 316 4444.

If you buy car insurance from 30 December 2021, Breakdown Cover is an optional addition to your car insurance policy. So if you cancel your insurance, this will also end the Breakdown Cover. 

Can I stop my insurance renewing automatically?

Yes, you can opt out of the automatic renewal of your policy at any time after the purchase. When you bought your insurance, you could choose to renew the policy automatically using the same method of payment.

To opt out, complete our opt out of automatic renewal form, call us on 0330 053 0239 or contact us via chat.

We'll still send you a renewal invitation, but you'll need to contact us to renew your policy before it expires.

It's a legal requirement to have motor insurance unless your car has been registered as off the road.

Can I opt into automatic renewal after I've bought my insurance?

Yes, you can opt in at any time after the purchase. The automatic renewal of your policy gives you the reassurance of continuous cover.

We'll send details of your renewal before the insurance expiry date, and you'll have plenty of time to contact us if you want to make a change.

To select automatic renewal, call us on 0330 053 0239.

Can you also deal with my AA Home Insurance?

No, your AA Home Insurance renewal is handled by a different team. You can contact them on 0370 606 1617.

Can I drive abroad with my car insurance?

As an AA car insurance policyholder, you can drive anywhere in the EU, and in several other European countries. 

Log in to your account to check your policy documents for more details on your level of cover. 

You can find out more on our advice page for driving abroad in Europe, or contact us via chat.