What Are the Benefits of AA Car Insurance? Online Quotes
About the company
AA, is one of the leading insurance companies in South Africa, which provides a wide variety of of car insurance options, so that their clients can select the one that best suits their needs, and of course, their pockets. Together with the different levels of car insurance, AA also offers discounts and benefits.
Types of insurances: let’s find out what benefits can the client get with each type of cover.
Comprehensive: the most complete option that keeps you fully protected. It covers damage to your car or damage you have caused to a third person or property. It includes:
A 24/7 helpline
If your car is stolen or written off, you receive a free courtesy car.
You also receive a courtesy car when your car is repaired by an approved repairer.
Liability to a third party for damage you have caused to their property.
Any fees caused by an accident are covered by the company.
If your vehicle happens to be hit by someone else, you will not pay excess for that.
Earning a non-claim discount.
If you are driving in Europe you are also covered there up to 90 days.
Protection against fire damage and theft.
Replacement of keys and locks.
Child seat replacements.
Protection against accidental damage.
Personal possessions in your vehicle are covered.
Protection against damage to trailers.
Medical expenses and accommodation full covered.
Third party, fire and theft: it covers your expenses if you damaged someone else`s property or car by accident. Pay attention because this cover includes all of the benefits mentioned in Comprehensive, except the following ones:
-Free courtesy car if your car is robbed.
-No need to pay for excess.
-Protection against accidental damage.
- Cover for personal belongings, medical expenses, damage to trailers and accommodation.
-Personal injury cover.
Third party: this is the cheapest option and it is recommended in cases where you are responsible for accidental damage to a third party`s property or car. I
A 24/7 clam helpline to assist you anytime.
Third party liabilities for damage caused to your property.
Access to a no claim discount.
Emergency treatment, which means that you will be covered for any fees related to an accident.
You are also covered in Europe if you stay there up to 90 days.
Benefits of AA insurance
Name Driver No Claims Discount: if you have just acquired your AA car insurance, then you can have access to their no-clams discount. How can you qualify for it? Let’s see the requirements:
You must be 25 years old or older than that.
You must be free of conviction during the past five years.
You must be a named driver on AA car insurance with at least two years claims-free driving. Moreover, you must not have any fault claims.
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This no-clams discount will depend on how long you have held a full license and how long you have been a named driver. Which means that once you have held your policy with AA for at least a year, you are able to protect your no-claims discount?
Uninsured Driver Promise: If you had an accident on the road because of the traffic, you will need to pay a lot for it, even though it is not your fault. This is why AA introduced the Uninsured Driver Promise. With this benefit, the driver won’t lose its no-claims discount if its car is hit by someone who is not insured at all. Moreover, you won’t have to pay an excess.
How does it work? The company just needs to establish that you are not accountable for the accident and then you will need to tell them the model, the registration number and the make of the other vehicle.
How much money does it cost? It’s free to every driver that has acquired the comprehensive insurance.
Optional extras to increase your insurance
Motor legal assistance: when the other party is responsible for an incident, you can get legal advice in order to seek uninsured losses or recovery from the other party. That includes all alternative transport costs, car insurance policy excess, earning losses and the compensation for any personal injury caused to you. It also includes a 24/7 legal helpline if you need advice, a 2 hour tuition with an AA instructor to help you recover your confidence and motoring related to legal documents.
Excess protection: you are able to obtain your excess back on a claim for intentional damage, accidental damage, fire, theft and attempted theft.
Motor accident plan: the company will cover up to £60,000 if you get injured or lose your life after being in a crash accident. It covers for a wide variety of injuries such as burns, facial scarring and fractures. Finally, you are paid for every day you spend in the hospital after an accident. So that means that your medical expenses are fully covered.
If you would like to get a quick quote with AA. Here is how you can do it:
By completing an online form in their webpage, in which you will have to give information such as the type of car insurance you will like to acquire, your car make, your car model, the year of manufacture of your car, the transmission type, the body type and the number of cylinders. Then you will need to provide information related to your car features, driver details and your personal information. Once you have submitted this form, an AA operator will get in touch with you.
Call the company on 0800 500 231
How to contact the company:
You can phone them on 0861 000 234 (option 3), which is available Monday to Friday from 08 am till 07 pm, excluding public holidays and weekends.
You can go to their physical office in Denis Paxton House, 4 Hyperion Road, Barbeque Downs, Kyalami
You can also send AA a message through their web page and chat with their operators.
Questions and answers
Can I get a quote from them in person?
Of course, if you go to your nearest branch you will get an immediate quote from them.
What if the person who crashed my car is not insured?
In such case, the Name driver no claims discount will be useful for you.
How can I avoid paying excesses?
By choosing the comprehensive car insurance.