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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 (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
No NCD X Yes X X Yes Yes
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
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 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.

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0818 227 228

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