COMPARE OUR COVER LEVELS

See what car insurance suits you best

Comprehensive or Third Party, Fire and Theft

Cover features

Comprehensive

The highest level of cover. You're covered for accidental damage or theft of your car, injuries to other people and damage to their vehicle or property. You're also covered for fire damage and vandalism.

Third Party, Fire and Theft

Provides cover for injury to others or damage caused to their vehicle or property, and protects you if your car is damaged by fire or gets stolen. Accidental damage to your car isn't covered.

Courtesy car while your car is repaired by an approved repairer

Uninsured driver promise – you will not pay an excess or lose your no claims discount if your car is hit by an uninsured driver

24/7 claim helpline

Liability to others for injury or damage to their property

Named drivers can earn a no claims discount to use when they insure a car with us

Emergency treatment – you're covered for any fees following an accident

Car sharing scheme – the car you're insuring is covered

No claims discount for claim-free driving

Driving in Europe – up to 90 days' cover in the EU and several other European countries

Garage custody and valet parking cover (TPFT cover excludes accidental damage)

Fire and theft damage

Replacement locks and keys – up to £1,000 cover with comprehensive cover

Replacement child seats (TPFT cover if damaged by fire or theft)

Accidental damage

Windscreen, window and sunroof repairs without losing your no claims discount

Personal belongings in your car – up to £250 cover (£500 for AA Members)

Damage to trailers – up to £500 cover on single axle trailers

Personal injury – up to £5,000 cover (£7,500 for AA Members)

Medical expenses – up to £400 per person (£500 for AA Members)

Accommodation or onward travel cover if you cannot continue your journey following an accident

Our car insurance

Policy documents

The Car Insurance Policy Booklet contains the full terms and conditions for BEAM car insurance and tells you about the main features and limits of the policy.

Car Insurance Policy Booklet

If you need the policy booklet information in large print, audio or Braille, please call us on:

0800 262 050

You can also contact us using Relay UK (formerly Next Generation Text).

About your contract

Please read this PDF summarising your contract with Automobile Association Insurance Services Limited, trading as BEAM:

About your contract with AA Insurance Services

Updated November 2023.

Additional cover

Breakdown Cover

Breakdown Cover Policy Booklet– Roadside

Breakdown Cover Policy Booklet – Roadside and National Recovery

Motor Legal Assistance

Motor Legal Assistance Policy Wording

Excess Protection

Policies starting or renewed from 30 December 2023:

Excess Protection Policy Wording

Policies starting or renewed on or before 29 December 2023:

Excess Protection Policy Wording

Motor Accident Plan

Policies starting or renewed from 30 December 2023:

Motor Accident Plan Policy Wording

Policies starting or renewed on or before 29 December 2023:

Motor Accident Plan Policy Wording

Online legal documents service

Motor Legal Assistance additional cover comes with an online legal documents service, for both BEAM and AA customers.

If you've bought Motor Legal Assistance and want to access the service, just register with your car insurance policy number on our legal documents portal.

Contact us

0330 041 3684

Lines are open Monday to Friday 8am to 7pm, Saturday 9am to 5pm.

Call now

Car insurance claims

0330 041 3689

Lines are open 24/7, 365 days a year.

Call now