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AA travel insurance

Check out the different levels of cover you can choose from when you pick an AA travel insurance policy.

Who is AA?

AA is the UK’s largest motoring organisation with over 14 million members.

It began in 1905 and although breakdown cover remains its priority, it does offer a range of products including car, home and travel insurance.

AA travel insurance

AA travel insurance facts

Here’s what you need to know:

  • Three levels of cover: Gold, Silver and Bronze
  • If you’re buying through a price comparison site, the cover levels are Gold Essential, Silver Essential and Bronze Essential
  • Gold and Silver policies have been awarded five stars by Defaqto
  • AA members pay no excess on their claims (not available on Bronze policies)
  • Free GP support through the Doctor please! app, available 24/7
  • Single-trip policies cover holidays lasting up to 186 days
  • Annual policies cover all the trips you take within a year, lasting up to 62 days per holiday
  • Emergency assistance available 24/7, 365 days per year

Why choose AA travel insurance?

You can choose between a single trip or annual policy, with the option to add on winter sports or golf cover.

There are three different levels of AA travel insurance – Gold, Silver and Bronze.

The Gold policy provides the highest level of cover and Bronze is the lowest level.

Both the Gold and Silver policies have achieved a five-star rating from Defaqto for their features.

Also, Fairer Finance awarded AA five stars for its travel insurance and Covid-19 travel cover in 2022.

If you’re an AA member, you can enjoy enhanced benefits on your travel policy, like UK rehabilitation cover and you won’t have to pay an excess.

Man taking photographs by a scenic lake

How do I get in contact with AA?

You can contact AA by phoning 0808 169 1195.

Lines are open:

  • Mon-Fri: 8am - 8pm
  • Sat: 9am - 5pm
  • Sun: 9am - 4pm

What does it cover?

To get the full list of what each AA policy covers, you’ll need to read the policy documents, but you can expect:

  • Emergency medical expenses up to £15 million
  • Personal accident cover
  • Cancellation cover
  • Personal liability cover for your stay in temporary rented holiday accommodation
  • Some types of manual work will be covered, but it’s best to check what exactly your chosen policy insures
  • Delayed baggage benefit if your luggage doesn’t make an appearance for more than 12 hours
  • Acts of terrorism are covered, subject to conditions
  • Certain sports are covered as standard, including sailing, jet boating and powerboating, as long as you’re not competing or racing

What isn’t covered?

It’s important to get familiar with what isn’t covered before you depart. AA exclusions include:

  • Loss, theft or damage of personal items or baggage that is left unattended
  • Claims relating to pre-existing conditions that you haven’t disclosed
  • Participation in a sport/activity which isn’t covered by the policy. For example, motorboating and diving with sharks
  • Professional entertaining while abroad
  • If you break the law and are involved in criminal activity

What upgrades can I make to my policy?

For an additional fee, you can upgrade your policy to include winter sports, like skiing and snowboarding.

You can also get cover for a golf holiday as an add-on. This provides insurance for your clubs, as well as paying out for irrecoverable green fees if you must cancel or cut your trip short.

Is AA travel insurance right for me?

Only you can decide whether it’s the right fit for you.

Take into consideration what you need cover for on your holiday and at what level. You’ll also want to decide on how much you can spend on your travel insurance.

You can then check how an AA travel policy measures up to the competition. Compare the level of cover and price to find the perfect pairing for your next vacation.

The cheapest policy may not give you the cover you need, so always check whether paying a little bit more will give you peace of mind with a more comprehensive option.

How good is AA travel cover?

AA is a respected British brand that has been in business for over a century.

With a range of policies, it’s likely that you’ll be able to find one that suits your budget.

Its Gold and Silver travel insurance policies are rated five stars by Defaqto, providing you with excellent features and benefits.

It also includes Covid-19 cover as standard in its policies which will pay out in certain circumstances, for instance if you’re denied boarding at the airport because you have coronavirus symptoms, or you’re required to self-isolate and can’t travel. Check your policy details before purchasing as cover levels may vary.

How do I get a quote for AA travel insurance?

You can compare AA travel insurance against others on the market with us.

All you need to do is tell us a little about yourself and your holiday and we’ll find all the policies that match your requirements.

Alternatively, you can go directly to AA for a travel insurance quote.

How do I claim on my AA travel insurance?

You can call AA to make a claim on 0330 058 2991.

Lines are open:

  • Mon – Fri: 8am – 8pm
  • Sat: 9am – 5pm

Make sure you have your policy number and document close by to help your claim go smoothly.