Additional Terms and Information

To find out more about our policies, you can view all our policy documents here.

Premiums can be influenced by a range of factors. For example, some of the key pieces of information that may impact your home insurance premium are your location and the likelihood of a weather related or natural hazard event claim, the materials used to construct your home, your sum insured and more. For your car insurance, the key pieces of information that may impact your premium is the drivers age, whether there is finance owing on your car, the type of car you’re insuring and how you use it. As with all insurance policies, some customers pay more for their insurance than others based on these things – commonly referred to as rating factors.

We’ve also observed a link between payment frequency and the likelihood of making a claim. As a result, payment frequency may also be one of the rating factors used to determine your premium.

AA Insurance Comprehensive Car Insurance automatically includes Third Party insurance. Policy cover with AA Insurance is subject to standard underwriting conditions. Policy conditions apply on any insurance claim and an excess usually applies.

Lifetime Repair Guarantee only applies where you use an AA Insurance Quality Repairer following a claim covered under your policy. Lifetime Repair Guarantee will not apply where damage is caused by error or negligence on the part of the owner and/or authorised driver of the vehicle.

Agreed Value only applies to Comprehensive Car, Third Party Fire & Theft Car, Classic Vehicle, Caravan/Trailer, Comprehensive Motorhome, Comprehensive Motorcycle, Third Party Fire & Theft Motorcycle. Agreed Value is determined annually at renewal, and is agreed between the insurer and the insured.

For more information, view our policy pages.

For full details of cover, refer to AA Insurance Home Insurance, Landlord Insurance and Contents Insurance policy documents. Policy cover with AA Insurance is subject to standard underwriting conditions.

Policy cover with AA Insurance is subject to our standard underwriting conditions. Policy conditions apply on any insurance claim and an excess usually applies.