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 |
| 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.