We understand that your premium can play a large part in deciding who you insure with, and it’s important to us that your policy meets your cover and budget needs. We’ve outlined a few considerations to keep in mind when you’re reviewing your policy below, which may help reduce your premium.
- Review and adjust your excess - we offer flexible excess options on our policies, which allow you to select an excess amount which suits your needs. If you choose a higher excess, your premium will decrease and vice versa. Remember, you’ll need to pay your chosen excess amount if you need to make a claim, so you should consider the affordability of the excess amount when selecting it. Additional excesses may also apply in the event of a claim.
- Review your optional benefits - you’ll find your optional benefits listed on your policy schedule or on the 'Policy Summary' page in your My AA Insurance account. For example, if you have access to another vehicle you could use while your car is being repaired as a result of an accepted claim with us, you may wish to remove the rental car cover optional benefit from your policy.
- Review your cover type – we offer a few different car insurance policies, which provide a range of cover to suit your needs. You can find a comparison of our car insurance products here.
- Consider how you pay – you can choose to pay your premium annually or spread the cost by fortnightly or monthly direct debit. You’ll pay less if you pay one annual lump sum.
The above is just a summary of some things to consider when reviewing your cover and premiums. Our blog Cover for your needs and budget also goes into more detail to help you get the cover to suit your needs.
If you would like to explore any of the above options further, please don’t hesitate to get in touch.