Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 29, 2020

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Company Details
Address: Fanum House UG, Basing View
City: Basingstoke
State: Hampshire (county)
ZIP Code: RG21 4EA
Phone Number: +44-01-256-495969
Year Founded: 1905
AM Best Rating: NA
Company Rating 0 (0 reviews)

Things to remember...

  • Driving in the UK has both similarities and differences when compared to driving in the USA
  • The Automobile Association is the UK equivalent to the American Automobile Association
  • The AA offers automobile coverage life, home, and pet insurance

The AA, also known as The Automobile Association, is the UK equivalent to the American Automobile Association (AAA) in the United States. The organization was first formed as a mutual company in 1905 to provide insurance, repairs, and advocacy services to UK drivers.

In 1999, it was converted to a private limited company. Its public service activities spun off to a separate organization in 2002. In 2007, The AA merged with the Saga Group to form a new company known as Acromas Holdings Limited.

Acromas Holdings sells auto insurance under several different brand names, one of them being The AA. Although AA is no longer involved in public service or advocacy, they still provide extra benefits and services typical of an automobile association.

You can begin your search for competitive auto insurance rates by entering your zip code above!

The AA Insurance Products

Unlike Saga Group, the AA didn’t branch out into dozens of different types of insurance products. They do offer a limited number of other products, including:

  • Life
  • Home
  • Pet insurance

The primary focus, though, has always been on automobile coverage and its related services.

Beyond insurance, The AA offers financial services geared toward better serving the automotive needs of customers. They even offer driving instruction courses!

As with most UK car policies, each driver has the option of how much or little coverage he wants to purchase,  but as in the USA, drivers must maintain the mandated minimum amount of coverage.

UK drivers are required to carry a minimum amount of liability coverage, just as we do in the States, but they also have several other options they can add to their policies.

One of those options is called breakdown coverage. With breakdown coverage, drivers are protected if their cars should ever break down while driving. This type of coverage provides for a tow, replacement vehicle, and even overnight accommodations when necessary.

UK drivers can also add travel insurance, which will cover them and their vehicles should they decide to drive outside of the UK. Many insurance companies are offering unlimited driving within the European Union as a standard upgrade to normal policies.

In the United States, we don’t need this type of coverage when visiting Canada, but it is required if we plan to take our vehicles into Mexico. For UK residents, this additional coverage is almost a necessity.

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The AA Customer Service

Where The AA best shines above its competitors is in the area of customer service. Because they are an automobile association originally built on the idea of advocacy for UK drivers, customer service is something they naturally do very well.

One look at their website demonstrates this clearly. For example, the motoring section of the website provides a comprehensive guide to help customers purchase a brand-new car.

The travel section of their website provides plenty of information for UK drivers planning to travel within their own country or to neighboring EU countries.

Everything from trip planning assistance to safety notices to road conditions can be accessed from this portion of the website.

You can even find complete details about obtaining an International Driving Permit, broken down by individual country. In other words, where customer service is concerned, The AA leaves nothing undone.

The AA Claims

The AA claims process is pretty much the same as anything else you find in the UK. The company requests that customers call them as soon as possible after an accident.

Customers can file accident reports over the phone, as well as initiate the claims process. The AA provides round-the-clock claims service by professionally trained staff who understand all the ins and outs of UK auto insurance.

The AA also recommends that customers allow the insurance companies of all parties involved to work things out after an accident.

When individual drivers try to work things out, it often leads to legal issues and claims disputes among insurance companies. The AA suggests UK drivers are better off exchanging information and leaving it at that.

If you’re looking for better auto insurance rates than you pay now, start your search by entering your zip code below.