AA Car Insurance: Policy Summary
|AA Common Product Increased benefits for Members (AXA, Allianz, Aviva, RSA, Zurich & KennCo policies)||Benefit (AA Common Product)||Benefit (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||Liberty Policy||Zurich Policy||KennCo Unique||Kennco Choice|
|Lifetime Glass, Theft and Fire NCD Protection||Unlimited||Unlimited (Comprehensive policy only)||X||X||Unlimited||Unlimited|
|STEP BACK** NCD YEARS||3 years||X||3 years||2 years||2 years||2 years|
|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||On Comprehensive Cover Only: 2 claims per insurance year (€25 excess)||On Comprehensive Cover Only: Unlimited if an approved repairer is used. Alternatively, €150 limit per claim & €350 limit per policy period (€30 excess)||On Comprehensive Cover Only: 1 Unlimited claim per policy year if approved repairer used. Alternatively, €100 limit if non-approved used (no excess)||On Comprehensive Cover Only: 1 Unlimited claim 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|
|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||Liberty Policy||Zurich Policy||KennCo Unique||KennCo Choice|
|NCD Protection (Claims in 3 years)***||1 unlimited claim in 3 year period||X||1 Unlimited Claim in a policy year||2 Unlimited Claims in a three year period||1 Unlimited Claim in a policy year||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)||X||X||X|
This is a summary of AA car insurance.
Features & Benefits Documents
|Allianz||Axa||Aviva||Liberty||Zurich||KennCo Unique||KennCo Choice|
|Allianz Standard||Axa Standard||Aviva Standard||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 | 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, amount unlimited, (in a 3 year period for AXA, Allianz, Aviva & RSA policies / in 1 policy year for Liberty and KennCo policies) and 2 Unlimited Claims 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.