AA Electric Car Insurance is one of the best EV insurance policies currently available in the UK. AA has comprehensive coverage designed to address the unique aspects of owning and maintaining an electric vehicle. Below, we delve into the key features and benefits of AA EV insurance.
Who Are the AA?
The Automobile Association, widely known as the AA, has a long-standing reputation for fixing our cars (and now our EVs) when stuck at the roadside, having been established in 1905. With over 14 million members, the AA is best known for its comprehensive breakdown cover service. However, they offer a lot more than just a breakdown cover. The AA also acts as an insurance broker, providing car insurance, home insurance, travel insurance, and contents insurance.
While the AA arranges these insurance policies, the underwriting may be done by other providers, although the AA’s own underwriting service is also part of its panel of insurers.
Comprehensive Cover for Your EV
The most important part of any electric vehicle is the battery, and AA Electric Car Insurance provides extensive protection in this area. Whether your battery is owned outright or leased, AA covers it against accidental damage, fire, and theft. This level of protection is crucial because it’s the most expensive Whoa to replace or repair.
Additionally, AA extends this coverage to all essential charging equipment. This includes charging cables, chargers, and adaptors, ensuring that these items are protected from accidental damage, fire, and theft whether they are in your car, in use at a garage, or home.
Full AA EV Insurance Cover Options
AA Electric Car Insurance offers two primary levels of coverage: Third Party, Fire and Theft, and Comprehensive.
Third Party, Fire and Theft provides coverage for:
- Injuries to other people caused by your vehicle.
- Damage to other people’s property, with coverage up to £20 million and legal costs up to £5 million.
- Fire damage to your vehicle.
- Theft or attempted theft of your vehicle.
- New car replacement if your vehicle is significantly damaged by fire or theft.
- Coverage for manufacturer-fitted in-car equipment and aftermarket equipment up to £750 (£1,000 for AA members).
- Replacement locks and keys up to £1,000.
- Child car seat cover and onward travel expenses in case of an insured event.
Comprehensive Coverage includes all the benefits of the Third Party, Fire and Theft policy plus:
- Accidental damage to your vehicle.
- New car replacement in case of significant damage due to an accident.
- Enhanced cover for in-car equipment.
- Personal belongings coverage up to £250 (£500 for AA members).
- Medical expenses and personal accident cover.
- Damage to trailers and uninsured driver promise, which protects your no-claims discount and waives your excess if the accident wasn’t your fault and the other driver is uninsured
Liability and Out-of-Charge Protection
AA Electric Car Insurance addresses the unique risks of charging an EV. One such risk is the potential liability if someone trips over your charging cable while it is in use outside your property. AA provides liability cover that happening, so you are protected from potential claims arising from accidents involving your charging setup.
Moreover, the insurance policy includes an out-of-charge recovery service, a particularly valuable feature for those who might occasionally find themselves with a depleted battery far from a charging station. If you have AA breakdown membership and your EV runs out of power, AA’s patrol will tow your vehicle to the nearest charging point or to your intended destination, whichever is closer. This service is part of AA’s broader commitment to supporting EV drivers, bolstered by their extensive network of trained mechanics and roadside technicians.
MORE> Electric Car Breakdown Cover
Uninsured Driver Promise and Personal Belongings
AA’s Uninsured Driver Promise is a good feature of this policy. If an uninsured driver hits your car and you are not at fault, AA guarantees that you will keep your no-claim discount and will not have to pay any excess fees. This protects your EV insurance premiums from increasing due to an incident that was not your fault.
Additionally, AA provides cover for personal belongings inside your electric car, offering up to £250 for items like handbags, mobile phones, or wallets. For AA Members, this increases to £500.
24/7 Support and Courtesy Car
AA electric car insurance has a 24/7 claims line, staffed by a UK-based contact centre. So help is always available whenever you need it, providing reassurance that they will get to work on your claim straight away.
In the event of an accident, AA also provides a courtesy car while your vehicle is being repaired at an approved garage. If the accident was not your fault, AA Accident Assist goes a step further by attempting to provide a courtesy car of the same electric model as your own, depending on availability.
Defaqto 5 Star Rating
AA Electric Car Insurance has been awarded a 5 Star Rating from Defaqto, an independent financial products reviewer. This rating is due to the AAs high level of coverage and the comprehensive range of benefits included in the policy.
Optional Extras
- Breakdown Cover: Starting from £15 a year, this can be added to your car insurance for comprehensive roadside assistance.
- Motor Legal Assistance: Provides up to £100,000 in legal aid to claim compensation from an accident that wasn’t your fault.
- Hire Car Cover: Ensures you receive a vehicle similar in size to your own during repairs.
- Motor Accident Plan: Includes additional personal accident cover, physiotherapy, and support following an accident.
- Excess Protection: Allows you to reclaim your excess if you’re at fault in an accident.
- Protected No-Claims Discount: Protects your no-claims bonus even after making up to two claims in a specified period.
Customer Experience and Claims Process
AA has streamlined its claims process to be as straightforward as possible. In the event of an accident or incident, AA recommends that you first ensure everyone’s safety, exchange details with any third parties involved, and document the scene with photos. You should then contact AA immediately to report the incident and begin the claims process, which can be done via phone, online, or through their mobile app. AA will guide you through the next steps, whether that involves arranging for repairs or dispatching a recovery vehicle.
Cancellation Policy
If you need to cancel your AA car insurance, the process is relatively simple. Cancellation within the 14-day cooling-off period incurs no fee, although AA will retain a £28 arrangement fee. After 14 days, a £30 fee applies, in addition to the retained arrangement fee. Depending on when you cancel and whether you’ve made a claim, you may be eligible for a partial refund of your premium.
AA Customer Support and Contact Information
For assistance, you can reach out via live chat or by phone at 0370 533 2211. Phone support is available from 8am to 7pm Monday to Friday, and 9am to 5pm on Saturdays. The lines are closed on Sundays.
If you need to file a complaint, you can contact AA through the following methods:
- Mail: Member Relations, The Automobile Association, Park Square, Birdhall Lane, Cheadle, SK3 0XN
- Phone or text: 0344 209 0556 or 0161 333 5910
- Email: [email protected]
Final Thoughts: The AA EV Insurance is A Comprehensive, EV-Focused Policy
AA Electric Car Insurance is a well-rounded policy and is one of the leading policies on offer. The AA provide extensive coverage that addresses the specific needs and risks associated with EVs. From the protection of critical components like the battery and charging equipment to unique benefits such as liability coverage for charging cables and the Uninsured Driver Promise, AA’s policy is designed with the modern EV owner in mind.
The 24/7 support, courtesy car provision, and the high Defaqto are also key features to consider in this policy.
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John is the Editor and Spokesperson for Electric Car Guide.
With over 20 years of writing experience, he has written for titles such as City AM, FE News and NerdWallet.com, covering various automotive and personal finance topics.
John’s market commentary has been covered by the likes of The Express, The Independent, Yahoo Finance and The Evening Standard.
