How to cancel your car insurance with AA

To cancel your car insurance with AA, you'll (usually) have to pay a cancellation fee. Here's how it works.
By Team member, 05/28/20203 minutes read

The info in this article was up-to-date as of 28th May 2020.

You can cancel your car insurance with AA by phone, in writing or online. You’ll need to pay a cancellation fee of £30, and you won’t get your arrangement fee back.

Cancellation fees

When you set up your car insurance with AA, you’ll have to pay an arrangement fee of £28.

If you cancel your policy before it starts, you’ll get a full refund of any payments you’ve made, and you’ll get the arrangement fee back.

If you cancel during your 14-day cooling-off period, you’ll get your payments refunded, minus some money for the time you’ve been insured. With AA, this is always a minimum of £15.

You won’t get your arrangement fee back, either.

If you cancel after your 14-day cooling-off period, you’ll also have to pay a cancellation fee of £30.

How refunds work

When you cancel a car insurance policy, you’ll usually have to pay a fee. The fee depends on the insurance company. It also depends on whether you’re still in your cooling-off period.

You’ll get the rest of your policy refunded, if you paid for the whole year up front. But AA will take away some of that refund to cover the insurance you’ve already had. They’ll charge you a cancellation fee on top of this. It’s pretty standard across most car insurance companies.

Breakdown cover

You can also get breakdown cover through AA.

If you cancel it during your cooling-off period (which is the first 14 days of cover or 14 days from when you get your policy documents) you’ll get a full refund.

But if you took out breakdown cover at the time you needed to use it, you’ll be charged a fee.

Outside the cooling-off period, things get a little more complex.

You won’t get a refund when you cancel the breakdown cover. Unless it gets cancelled because the policyholder dies, or the policyholder can’t drive anymore (permanently) because they got an injury or illness.

You can pay for breakdown cover with AA annually, quarterly or monthly.

However you choose to pay, your breakdown cover will automatically renew if you don’t cancel it. But they’ll always let you know before it renews.

If you pay monthly or quarterly, you can cancel your breakdown cover by giving AA 30 days’ notice.

Cancelling after you make a claim

Like most car insurance companies, AA won’t give you any refund on your car insurance if you’ve made a claim. But you’ll still have to pay any cancellation fees.

And if you pay monthly for your car insurance, you’ll need to pay up for the rest of the policy when you cancel. Again, this is standard in insurance.

How to cancel

To cancel your car insurance policy with AA, you can call them on 0370 160 0138.

You can call AA between 9 and 6 on weekdays, but they’re closed at the weekend.

You can also be all old school about it and write to them at AA Insurance Services, PO Box 2AA, Newcastle NE99 2AA.

If you want to cancel online, you can do so through MyAA.

The cooling-off period

By law, every car insurance policy comes with a cooling-off period. The cooling-off period is either 14 days from the day your policy starts, or 14 days from when you get your policy documents in the post.

Check your policy documents to find out when your cooling-off period starts and ends.

Whether you’re in your cooling-off period or outside of it, your insurer will take away some money from your refund to cover the days of insurance you’ve already had.

Auto-renewals

AA will automatically renew your car insurance unless you tell them you don’t want to. To do that, you have to tell them that you want your policy to “lapse”. Your price will often go up significantly if you auto-renew.

Letting your policy “lapse” (which means not renewing it) is not the same as cancelling your policy mid-way through.

AA will contact you 21 days before the policy renews to let you know:

  • That it’s going to renew, and
  • How much it will cost when it does renew

If you renew, you’ll start a new cooling-off period.

Get pay-monthly car insurance, without the cancellation fees

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Plus, there’s no deposit, no hidden admin fees (so you won’t have to pay to make changes to your policy details), no interest on your monthly payments, and no hard credit checks.

Interested? Sign up for Cuvva monthly subscription now, and you’ll be the first to know when it’s live.


Sources:

AA car insurance policy booklet (PDF)

AA breakdown cover policy booklet (PDF)

AA: contact us

Team member

Team member

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