How to Cancel AA Insurance
The AA offers breakdown cover and insurance products. Cancellation depends on the product type. Breakdown cover can be cancelled by phone, and refunds depend on how much of the cover period has elapsed.
Steps verified March 2026
Quick Facts
Cancel online?
No — phone/letter required
Pause option?
No
Refund policy
Within 14 days and unused: full refund. After that: pro-rata refund minus an admin fee for breakdown cover. Insurance follows standard cooling-off rules.
After cancellation
Your membership and claims records are retained. Claims history is shared with industry databases.
What to Watch Out For
- Requires a phone call to cancel - no online self-service option
- Phone agents will offer discounted renewal rates and alternative products
Cancellation Steps
Go directly to AA Insurance cancellation pageFind your membership or policy number
Check your AA documents or the My AA portal for your reference number.
Call the AA
Phone 0800 048 0208 for breakdown cover or 0344 209 0556 for insurance.
Request cancellation
Ask to cancel and confirm any applicable fees or refund amounts.
Return any membership cards
You may be asked to destroy or return your AA membership card.
Tips & Things to Know
- Breakdown cover: within 14 days you get a full refund if you have not used the service.
- Insurance policies have a standard 14-day cooling-off period for full refunds.
- If you pay annually, you may get a pro-rata refund minus an admin fee.
Your Consumer Rights
- Under ICOBS, you have a 14-day cooling-off period for insurance products.
- Under the Consumer Contracts Regulations 2013, breakdown cover purchased online has a 14-day cooling-off period.
Frequently Asked Questions
Can I cancel AA breakdown cover at any time?
Yes. Call to cancel. Within 14 days (unused): full refund. After that: pro-rata refund minus admin fee.
Will I get a refund from the AA?
Breakdown cover: pro-rata refund minus admin fee. Insurance: depends on the policy terms and cooling-off period.
What happens to my AA data after cancellation?
Your membership records are retained. Insurance claims history remains on industry databases for 6 years.
How long does AA cancellation take?
The phone call takes 10-15 minutes. Cancellation can be immediate or at the renewal date.
Is AA breakdown cover and AA insurance the same thing?
No. They are separate products with different phone numbers and cancellation processes. Breakdown cover is 0800 048 0208, insurance is 0344 209 0556.