Review: The AA Travel Insurance


The AA (the Automobile Association) was founded in 1905 by a group of motoring enthusiasts that wanted to help drivers avoid police speed traps! Now, over 100 years later, the company has grown significantly to become one of the most trusted and recognised brands in the UK, primarily offering car insurance, driving lessons and breakdown cover.

As the company grew, so did its market, and the AA now offers a range of other financial products and services, including personal loans, savings accounts, holidays and AA travel insurance.

Overview of travel insurance cover provided by the AA travel insurance

AA offers a wide variety of travel insurance policies, including single trip cover, multi-trip annual cover, backpacker’s cover, wedding cover and golf cover.

Single trip cover offers protection for a single trip of up to 185 days, and covers medical expenses, personal baggage, cancellation, personal accident and personal liability as standard. However, there are two tiers of cover available: Standard and Essentials. Standard cover insures you for greater sums than Essentials – for example, £10m in medical expenses compared to £2m, and £1,500 in personal baggage compared to £500 – and also offers a number of benefits that Essential cover does not, such as delayed departure, abandonment and hospital benefit. AA Essentials cover does not include any existing medical conditions.

Multi-trip insurance offers the same level of cover – with the same caveats – as single-trip cover, but allows multiple trips throughout the year, providing they do not exceed 45 days.

Backpacker’s travel insurance provides cover for backpacking trips around individual or multiple countries, and also offers cover for casual jobs abroad, including bar work and fruit picking. This policy allows trips up to 365 days in duration and allows you one visit home for up to 14 days without voiding your policy or charging you extra.

Winter sports cover protects against any unforeseen eventualities taking place on ski and snow holidays, and covers ski equipment and piste closure as well as usual travel insurance items such as medical expenses and personal liability. Golf cover follows the same idea but for golfing, including cover for owned or hired golf equipment and irrecoverable green fees.

Finally, the AA also offers wedding travel insurance cover, which provides a range of standard travel insurance benefits plus it provides protection for loss or theft of wedding rings, gifts, clothing, photographs and video. This policy also covers reasonable additional costs of hiring a professional photographer or videographer if those originally booked are unable to attend due to illness, injury or unforeseen transport problems.

Regardless of the policy chosen, existing AA members will enjoy enhanced benefits such as excess waiver and UK rehabilitation cover.

Right for you? Get an AA travel insurance quote online.

What about pre-existing medical conditions

The AA offers two tiers of cover: Standard and Essentials. It’s not possible to add existing medical conditions to Essentials cover, but you can do on a Standard policy, which also offers a number of extra benefits, such as greater financial protection and additional features.

Those seeking a quote are asked to complete an online medical declaration, which lists a number of potentially-problematic conditions. If any of those conditions apply, the AA requests that you call an advisor to discuss your options.

How much does an AA travel insurance policy cost?

The cost of travel insurance with the AA will depend on a number of factors, such as the type of cover you require, the duration of your trip, any pre-existing medical conditions, and so on. However, the AA is a reputable, trusted brand, and has won a number of accolades for its products, including High Commendation for its travel insurance in the Consumer Moneyfacts 2014 awards. As such, its customers are prepared to pay a modest premium for the peace of mind this reputation brings.

All customers buying their policies online will enjoy a 20% discount.

Example quotes:

Individual single trip Essentials cover to Europe: £11 (incl online discount) Individual single trip Standard cover to Europe: £13 (incl online discount) Individual multi-trip Essentials cover worldwide: £41 (incl online discount) Individual multi-trip Standard cover worldwide: £55 (incl online discount)

Couple’s European Backpacker cover: £66 (incl online discount) Couple’s worldwide Backpacker cover: £119 (incl online discount)

Get a personalised quote here.

What do the AA’s customers say?

According to, the AA’s customers rate its travel insurance product four stars out of five, with the company scoring 4/5 for each of the following areas: customer service; flexibility and fairness; product features; and value for money.

According to customer satisfaction scores on Which? the AA has three stars out of five for customer service, value for money, clarity of policy and dealing with queries, giving them an overall score of 61%.

Thanks for all the travel insurance advice - have gone with the good ol' AA.— Bangs and a Bun (@BangsandaBun) November 29, 2012

What do the experts say?

Which? awarded the AA a score of 77% for both its single trip and annual policies, which combined with its customer score of 61% gives an overall score of 69%, placing them 28th out of 34 providers. By comparison, LV=, the second highest ranking provider on the Which? ranking, scored an overall 81%.

Defaqto, an independent researcher of financial products, has awarded the AA’s single trip Standard policy five stars, making it “an excellent product with a comprehensive range of features and benefits”. Its single-trip essentials policy, however, scores just two stars, making it “a product offering a limited range of features and benefits”. Both its Standard and Essentials annual multi-trip policies score three stars, making them “standard products providing an average level of features and benefits”.

This article was written by Bought By Many. We were not paid to write it but we will receive commission if clicking on a link to one of the named insurers results in a reader taking out a policy with that insurer. We also charge for advertising space so a particular insurer may be highlighted in the article and, where insurers are listed, it can dictate where they appear in the list.