AA Travel Insurance Review and Quotes

James Rodriguez James Rodriguez updated on July 27, 2020

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether AA is the right company to go on holidays with? 

In this definitive AA review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is AA the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into AA travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below. 

3,4 Safe overall rating for AA

Safe ratingOur opinion
Customer service & satisfaction

Customer support available from Monday to Sunday
Online quote generation
Claim process is long and tedious
Low customer satisfaction rate 1.2/5 on Trust Pilot

Cover provided

Optional additional covers such as Winter Sports and Golf Cover available
Policies available across 3 levels of cover
Up to £15 million medical emergency cover
Lack of wide range of optional additional covers

Value for money

AA members receive special offers and discounts
Special rates for couples and families available
They hike the premium price during renewal

Financial strength

AA was founded in 1905 which gives it more than a 100 years experience in the insurance industry
AA is authorised and regulated by the Financial Conduct Authority (FCA)

Technology

Online quote generation
Availability of customer portal
User friendly website
Chat bot available

Safe rating for AA travel insurance

AA travel insurance reviews by expert and consumers

Review organisationAA travel insurance reviews
Defaqto expert

Not available

TrustPilot

1,2/5 based on more than 400 opinions

Consumer satisfaction rates on reviews for AA holiday insurance

To check if AA is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

What does AA travel insurance cover?

AA travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family. 

AA's insurance covers are also available for families and couples.

AA single-trip and annual multi-trip travel insurances

Single and annual multi-trip days and age limits at AA
Maximum days per trip

Single Trips up to 186 days (varies with age). Annual Multi Trip: Unlimited number of trips no longer than 46 days.

Maximum age limit

Up to 64 years old

Maximum days and age limit for single-trip and annual multi-trip policies at AA

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at AA:

Policy name

BronzeSilver Gold
Excess (if not stated)£150£80£50
Medical expenses£2M£5M£10M
Trip cancellation / curtailment£1000£3000£5000
Delayed departure 12 hoursx£10 - £30£10 - £30
Delayed departure maxx£100£100
Baggage & belongings£500£1500 £2500
Money including cash£100£200£300
Repatriation£2M£5M£10M
Personal liability£1M£2M£2M
Personal accident (excess £0)x£15000£25000
Legal expenses
(excess £0)
£25000£50000£50000
Hospital benefit
(excess £0)
x£15 for every 24 hours up to £300£25 for every 24 hours up to £600
Accommodation cover£225£500£750
SAFI*x£3000£5000
Winter sports / GolfOptionalOptionalOptional
AA travel insurance in details

AA winter sports travel insurance

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

The Winter Sports Cover is an additional optional cover and is available across 3 levels of cover: Bronze, Silver and Gold. It comes with the following benefits:

  • Up to £1,000 for your ski equipment
  • Up to £250 for hired ski equipment
  • Up to £400 for a single article of the ski equipment
  • Up to £300 to hire ski equipment.

What are the other travel insurance options available at AA?

Travel insurance options at AA
AA golf cover

Golf Cover is available as an optional additional cover and it comes across 3 levels of cover: Bronze, Silver and Gold with the following benefits:

  • Up to £1,000 for your golf equipment
  • Up to £250 for hired golf equipment
  • Up to £400 for a single article
  • Up to £300 to hire golf equipment.
AA business cover

The Single and Annual Multi Trip Policy covers business trips as standard but details of the cover have not been disclosed.

AA cruise cover

Not Available

AA gadget cover

Not Available

Other travel insurance policy options available at AA

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call AA before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is AA travel insurance?

You'll find below indicative quotes per level of cover at AA:

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at AA:

Policy name

BronzeSilver Gold
Price - 3 days trip - 30 years old - Europe £8,92 £11,22 £13,45
AA travel insurance in details

It is, however, quite difficult to give precise price ranges as AA travel insurance policy quotes will depend on a range of factors such as:

  • Your age at the time of travelling
  • The length of your stay
  • Your trip destination (Europe, North America, Worldwide)
  • The period you wish to be covered for (single trip, annual multi-trip, extension)
  • If you need specific insurance (cruise, ski, backpackers, gadget cover)
  • Your medical condition before travelling
  • Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at AA?

Yes, you can be eligibile for discounts if you're travelling as a couple or family. Registered AA members are also likely to receive exclusive offers and discounts.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at AA.

What else should I know about AA travel insurance?

What are the general exclusions at AA travel insurance?

To be eligibile for a travel insurance policy with AA:

  • You must be a resident in the UK and registered with a medical practitioner
  • You should not exceed the maximum period per trip when under an Annual Multi Trip Policy
  • You should not exceed the maximum duration of your trip which is stated in your policy schedule
  • You will not be covered for anything except for the following if you end up overstaying and your insurance period while abroad: death, injury or illness or a delay caused by public transport delay.

How do I get travel insurance quote from AA?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If AA is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to AA website?

Through the customer portal, you will be able to access your policy documents and schedules anytime from anywhere, check on your renewal dates as well as level of cover.
To access your customer portal, just go to 'Your Account' on the homepage and click on 'Log in'.
Once you get to the login page, you can either register for a new account if you don't already have one or you can log in using your email address and password.

How to claim at AA travel insurance?

There are 3 ways to make a claim at AA Insurance: by email, online or by phone.

How to claim on AA travel insurance?
Claim by email[email protected]
Claim online

You can make a claim online by visiting this page.

Claim by phone

0330 058 2991

How to make a claim on AA travel insurance

How do I contact AA travel insurance?

AA contact phone numbers

ServicesPhone numbersOpening hours
Customer Service0808 169 1195

Monday to Sunday: 9am to 5pm

Medical Emergency+44 (0)147 335 6274

Available 24/7

Claims0330 058 2991

Available 24/7

AA contact phone numbers

AA other contact details

Contact details
Address

AA Insurance
Fanum House, Basing View
Basingstoke RG21 4EA
United Kingdom

Email[email protected]
AA contact details

How to cancel your annual AA travel insurance policy?

You will find below main information to cancel your travel insurance policy at AA:

How to cancel AA travel insurance?
Cancellation fees during cooling off period of 14 days£0
Cancellation fees outside cooling off period

No refund

Cancel by mail

Send your letter to:
AA Insurance, Fanum House
Basing View
Basingstoke RG21 4EA

Cancel by phone

0330 058 1644

How to cancel AA travel insurance

Our opinion on AA travel insurance

AA was founded in 1905 which gives it more than a 100 years experience in the insurance industry and is authorised and regulated by the Financial Conduct Authority (FCA).

Their main travel insurance policies are the Single and Annual Multi Trip policies which are available acrsss 3 levels of cover: Bronze, Silver and Gold. In addition to the main policies, optional covers such as Winter Sports and Golf Cover are available. The maximum duration for Single Trip Policies is 186 days and that of Annual Multi Trip Policies is 46 days. However, it is important to note that the maximum duration varies depending on the age of the traveller.

For a stress free travel insurance experience, we would recommend that you consider looking at other travel insurance companies such as Esure, World First and Saga Travel Insurance.