Updated 3 Nov 2017

AA Insurance

Car Insurance (Comprehensive)

Join us now to unlock this content

Unlock all of Consumer from just $7 for 7 days

  • Heaps of buying advice so you can choose with confidence
  • Independent reviews of thousands of products and services
  • Personal advice an email or phone call away on our advice line (members only)
Log in

Full policy details


AA Insurance
Underwriter's financial strength rating
A+ (Standard & Poor's)
Independent complaints organisation

Insurance & Financial Services Ombudsman Scheme

0800 500 231
Cooling-off period
21 days

Standard excesses for fully-licenced, named drivers

Under 21
21 to 24


25 plus


Main cover

Liability to 3rd parties

Up to $20 million

Towing costs following accident

Reasonable towing costs

Road-clearing costs following accident


Transport costs following accident

Reasonable transport costs

Accommodation costs following accident

Up to $500

Cover for natural disasters


Other benefits

Damage to trailer covered under same policy

Up to $1000 (market value; $100 excess)

Cover for windscreens/windows


Possible to claim for broken glass without impacting excess/no-claims discount

Optional extra

Keys/locks replaced

Reasonable costs (no excess if claim below $750)

Repairs done by specified repairer guaranteed


Option to choose your own repairer


Roadside assistance available

No (AA membership runs separate scheme)

Rental car during repairs

Optional extra (car provided until repairs complete or claim settled)

No-claims discount protection (including at-fault crashes)


New vehicle replaced entirely

Yes, if less than 1 year old (may be at insurer's option)

Car accessories included in cover

Yes - child car seat, stereo, etc

Car accessories kept at home covered


Death and injury cover

Driver's death


Driver's personal injury


Driver's medical expenses


More info

Compare premiums

Member reviews

Have a look at all our car insurance policies.

View all car insurance policies