AA Car Insurance: Policy Summary

The AA wants to make choosing car insurance easy. That’s why we clearly highlight what each policy has to offer, what benefits you can expect, and where specific terms & conditions are in place.

Check out our Car Insurance Policy Summary of Cover for Comprehensive or Third Party, Fire and Theft Policies. AA Motor Insurance Goes further for less!

You can find all relevant information for each policy type on our Policy Booklet page.

AA Common Product Increased benefits for Members (AXA, Allianz, Aviva, RSA, Zurich & KennCo policies)	Benefit (AA Common Product)	Benefit (AA Liberty Policies)	Benefit (Zurich Policies)	Benefit (KennCo Policies)
Driving of Other Cars*	Fully Comprehensive	Third Party Only	Third Party Only	Third Party Only	Third Party Only
Sat Nav / Mobile Phone effects increased to	€750	X	X	X	X
Replacement Locks and Alarms	€1500	X	X	X	X

Policy Features	AA Motor	AA Value	AA Liberty Policy	Zurich Policy	KennCo Unique	Kennco Choice
Lifetime Glass, Theft and Fire NCD Protection	Full Claim Cost Covered	Full Claim Cost Covered (Comprehensive policy only)	X	X	Full Claim Cost Covered	Full Claim Cost Covered
STEP BACK** NCD YEARS	3 years	X	3 years	2 years	2 years	2 years
No NCD	X	Yes	X	X	Yes	Yes
Windscreen/Glass Breakage	The full cost of a windscreen claim is covered^, where the work is carried out by an AA approved repairer. Alternatively, €225 limit	The full cost of a windscreen claim is covered^, where the work is carried out by an AA approved repairer. Alternatively, €225 limit	On Comprehensive Cover Only: 2 claims per insurance year (€25 excess)	On Comprehensive Cover Only: Full claim cost covered if an approved repairer is used. Alternatively, €150 limit per claim & €350 limit per policy period (€30 excess)	On Comprehensive Cover Only: 1 Full claim cost covered per policy year if approved repairer used. Alternatively, €100 limit if non-approved used (no excess)	On Comprehensive Cover Only: 1 Full claim cost covered per policy year if approved repairer used. Alternatively, €100 limit if non-approved used (no excess)
Driving Other Cars	Yes (if over 25 years old with full licence)	No	Yes (Full Licence Drivers – Please refer to Cert)	Yes (if over 25 years old with full licence) Please refer to Cert as some occupations are excluded	Yes (if over 25 years old with full licence) Please refer to Cert as some occupations are excluded	Yes (if over 25 years old with full licence) Please refer to Cert as some occupations are excluded
Courtesy Car+	Max 10 days	None	Up to 5 days (only if car is stolen)	Yes (Max 7 days for repairs or 10 days if vehicle is beyond economic repair)	Yes – Up to 5 days if an approved repairer used	Yes – Up to 5 days if an approved repairer used
Fire Brigade Charges	€1000	€1000	€2200	up to €2000	up to €385	up to €385
Replacement Locks and Alarms	€1000	None	Loss of Keys (up to €850)	€800	€750	€750
Foreign Travel (not incl. ROI & UK)	60 days	60 days	Up to 93 days in any one period of insurance	Full cover provided in the EU for up to 31 days subject to terms and conditions	Full cover provided in the EU for up to 31 days subject to terms and conditions	Full cover provided in the EU for up to 31 days subject to terms and conditions
Child Car Seats	€500	X	X	On Comprehensive Only: €550	X	X
Misfuel	€500	X	X	X	X	X
Sat Nav/Mobile Phone/Personal Effects	€500	X	Audio equipment, radio receivers & Sat Nav equipment Up to €635	On Comprehensive Only: €550	X	X
Car Valet after a claim	Once an AA approved repairer is used	Once an AA approved repairer is used	X	X	X	X

Optional Cover	AA Motor	AA Value	AA Liberty Policy	Zurich Policy	KennCo Unique	KennCo Choice
NCD Protection (Claims in 3 years)***	1 Full claim cost covered in 3 year period	X	1 Full claim cost covered in a policy year	2 Full claim costs covered in a three year period	1 Full claim cost covered in a policy year	1 Full claim cost covered in a policy year
Open Drive	Yes (25-70 years old with full licence)	Yes (25-70 years old with full licence)	Yes for (25-70 years old with full licence & lower powered car)	X	X	X

This is a summary of AA car insurance.

Features & Benefits Documents

Allianz	Axa	Aviva	AA Liberty	Zurich	KennCo Unique	KennCo Choice
Allianz Standard	Axa Standard	Aviva Standard	AA Liberty Policy	Zurich Policy	KennCo Unique	KennCo Choice
Allianz Value	Axa Value	Aviva Value	–	–	–	–

To see a full list of the terms and conditions please refer to our policy booklets below: AXA, Allianz, Aviva & RSA: AA Common Product Policy Booklet | AA Liberty Policy | Zurich Policy | KennCo Unique | KennCo Choice

*Acceptance criteria, terms and conditions apply.

**Step Back Bonus Protection means that if you make a claim your No Claims Bonus will be stepped back by3 years, e.g. from 5 years to 2 years.

***Full No Claims Discount Bonus protection means you can incur one third party or own damage claim, total cost of claim (in a 3 year period for AXA, Allianz, Aviva & RSA policies / in 1 policy year for AA Liberty and KennCo policies) and 2 Full claims cost covered in a three year period for Zurich without any loss of No Claims Discount. Full No Claims Bonus protection is an optional extra and subject to acceptance criteria.

+A courtesy car for up to 10 days & car valet are provided once the insurer’s approved repairer is used following a valid fire, theft or accidental damage claim.

^Limited to €225 where the claim is not processed through the AAI Approved Repairer.