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AA Car Insurance: Policy Summary

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!

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

Policy Features AA Motor AA Value Liberty Policy
Lifetime Glass, Theft and Fire NCD Protection Unlimited Unlimited (Comprehensive policy only) X
STEP BACK** NCD YEARS 3 years X 3 years
No NCD X Yes X
Windscreen/Glass Breakage Unlimited if an AA approved repairer is used. Alternatively, €225 limit Unlimited if an AA approved repairer is used. Alternatively, €225 limit 2 claims per insurance year (€25 excess)
Driving Other Cars Yes (if over 25 years old with full licence) No Yes (Full Licence Drivers – Please refer to Cert)
Courtesy Car+ Max 10 days None Up to 5 days (only if car is stolen)
Fire Brigade Charges €1000 €1000 €2200
Replacement Locks and Alarms €1000 None Loss of Keys (up to €850)
Foreign Travel (not incl. ROI & UK) 60 days 60 days Up to 93 days in any one period of insurance
Child Car Seats €500 X X
Misfuel €500 X X
Sat Nav/Mobile Phone/Personal Effects €500 X Audio equipment, radio receivers & Sat Nav equipment Up to €635
Car Valet after a claim Once an AA approved repairer is used Once an AA approved repairer is used X

Optional Cover AA Motor AA Value Liberty Policy
NCD Protection (Claims in 3 years)*** 1 unlimited claim in 3 year period X 1 Unlimited Claim 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)

This is a summary of AA car insurance.

Features & Benefits Documents

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 | Liberty Policy

*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, amount unlimited, (in a 3 year period for AXA, Allianz, Aviva & RSA policies / in 1 policy year for Liberty policies) 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.

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