AA life insurance: what happened and who looks after policies now
What happened to AA life insurance, who looks after existing AA policies now, how to make a claim or trace an old policy, and where to look for new cover.
- New policies
- Closed
- Not offered since 2019
- Policies from April 2014
- Legal & General
- Insurer, service & claims
- Policies before April 2014
- Aviva
- According to the AA
- L&G bereavement claims
- 0800 137 101
- Mon–Fri 9am–5.30pm
In a nutshell
The AA no longer sells life insurance: AA Financial Services stopped offering it to new customers in September 2019, and the AA's old life insurance address now opens its finance page. The AA was not the insurer. It arranged the cover with an insurance company, which provided the policy.
- AA Life, Decreasing Life and Over 50s Life Insurance policies taken out from April 2014 are with Legal & General, which provides the policy and any related services.
- For policies taken out before April 2014, the AA's last life insurance page named Aviva. From April 2011 until April 2014 AA life insurance came from Friends Provident and then Friends Life companies, which became part of Aviva in 2015.
- The AA's old life insurance address now opens its finance page, which covers car finance, loans and savings.
- To claim, contact the insurer directly: Legal & General's bereavement claims line is 0800 137 101, and Aviva has separate claims lines for Friends Life and Friends Provident policies.
About the AA
The AA (the Automobile Association) is a British motoring organisation based in Basingstoke, formed in London in June 1905. It says it has over 14 million members and is the UK's largest motoring organisation.
- Founded
- June 1905, in London
- Members
- Over 14 million (the AA's figure)
- Company that arranged AA life insurance
- Automobile Association Insurance Services Limited (AAIS), company no. 02414212
- AAIS FCA reference
- 310562, authorised since 14 January 2005
- AAIS on the FCA register
- Able to undertake insurance distribution
- AAIS registered office
- Level 3, Plant, Basing View, Basingstoke, RG21 4HG
- AAIS owned by
- AA Corporation Limited (75% or more of shares)
The AA says breakdown cover has always been its number one priority, but it has branched out into finance, insurance, leisure and lifestyle services. Its AA Insurance brokerage service started in 1967.
The AA company that arranged life insurance was Automobile Association Insurance Services Limited (AAIS), an insurance intermediary owned by AA Corporation Limited. For the Legal & General policies it acted solely as introducer: the AA introduced its customers to Legal & General, which provided the cover.
The AA demutualised in 1999 and was bought by Centrica the same year. Centrica sold it in 2004 to the private equity firms CVC and Permira, who merged it with Saga under Acromas Holdings in 2007. The AA was listed on the London Stock Exchange as AA plc in 2014, and in March 2021 a consortium of TowerBrook Capital Partners and Warburg Pincus completed its takeover and the company left the stock exchange.
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What happened to AA life insurance?
AA Financial Services no longer offers life insurance to new customers. Saved copies of the AA's life insurance page show it still offered Legal & General policies on 19 September 2019, and said two days later, on 21 September 2019, that it was no longer offering life insurance to new customers.
The last saved copy of that page, from 1 October 2023, still said the same and split existing customers into two groups: policies provided by Legal & General from April 2014, and policies provided by Aviva before April 2014.
The old life insurance address on the AA website now redirects to its financial services page, which offers car finance, loans and savings accounts. The AA's insurance page describes its insurance as motor, home and travel insurance.
- Selling life insurance
- No: AA Financial Services no longer offers life insurance to new customers
- Stopped
- September 2019
- Policies from April 2014
- Legal & General
- Policies before April 2014
- Aviva (as named by the AA)
- L&G bereavement claims
- 0800 137 101, Mon–Fri 9am–5.30pm
The AA's own life insurance page is no longer online. The status above comes from saved copies of that page (Internet Archive, 2019 and 2023) and from the AA, Legal & General and Aviva websites as checked on 3 October 2026.
AA life insurance history
-
1905
Four driving enthusiasts form the AA in London.
-
1967
The AA Insurance brokerage service starts.
-
1989
The company that became Automobile Association Insurance Services Limited, the AA company that later arranged its life insurance, is incorporated as Precis (931) Limited. It takes its AA name on 1 January 1990.
-
2010
AA Life Insurance is arranged by Automobile Association Insurance Services Limited, which searches a panel of insurers for customers.
-
2011
In April the AA's existing-customer page refers to AA Life Insurance policies through Friends Provident, and treats policies applied for before 1 April 2011 separately.
-
2012–2014
AA Life Insurance is provided by Friends Life Limited in 2012, and AA 50 Plus Life Insurance by Friends Life and Pensions Limited in 2013. In March 2014 the AA's life products are provided by Friends Life and Pensions Limited.
-
2014
From April, AA Life, Decreasing Life and Over 50s Life Insurance policies are provided by Legal & General.
-
2015
Aviva acquires Friends Life.
-
2017
On 1 October the long-term business of Friends Life Limited and Friends Life and Pensions Limited moves to Aviva Life & Pensions UK Limited under a Part VII transfer.
-
2019
In September the AA stops offering life insurance to new customers.
Existing AA life insurance policies
An AA life insurance policy is held with the insurer that provided it, not with the AA. For the Legal & General policies, the AA introduced customers and Legal & General provided the product and any services related to it, so questions and claims go to the insurer.
Taken out from April 2014: AA Life, Decreasing Life and Over 50s Life Insurance policies are with Legal & General Assurance Society Limited.
Taken out before April 2014: the AA's last life insurance page described these as policies provided by Aviva. In April 2011 the AA referred to policies through Friends Provident, which became part of Friends Life that year. In February 2012 AA Life Insurance was provided by Friends Life Limited, and by January 2013 the AA offered life insurance only from Friends Life and Pensions Limited.
Aviva bought Friends Life in 2015 and lists Friends Life and Friends Provident among the companies that are now part of Aviva. On 1 October 2017 the long-term business of Friends Life Limited and Friends Life and Pensions Limited was transferred to Aviva Life & Pensions UK Limited.
Applied for before 1 April 2011: the AA's April 2011 page handled these older policies separately, and in 2010 the AA searched a panel of insurers for its customers. The insurer named in your policy documents is the one to contact.
Legal & General says a policy stays live for the duration of its term as long as the premiums are paid. Under the 2019 AA Life Insurance policy summary, cover ends 30 days after the first missed premium.
- Policies from April 2014
- Legal & General Assurance Society Limited
- Policies before April 2014
- Aviva (as named by the AA)
- AA Life Insurance, 2012
- Friends Life Limited (company no. 04096141)
- AA life products, 2013 and March 2014
- Friends Life and Pensions Limited (company no. 00475201)
- Friends Life business moved to
- Aviva Life & Pensions UK Limited, 1 October 2017
- Friends Life companies registered at
- Aviva, Wellington Row, York
- Check your bank statements. A regular payment to an insurer is often the quickest clue to who holds a policy.
- Match the payment reference. Legal & General says the reference next to its payment can be matched to a policy number, and the policy number is shown in its online account.
- Use the ABI's register. Aviva points people to the Association of British Insurers, which keeps a register of financial companies that may have merged, changed their name or been sold, to find out which company is now responsible for a policy.
- Look for paperwork. Policy schedules, letters and annual statements usually name the insurer and the policy number. Our guide to lost life insurance policies explains other ways to trace a policy.
Contacting Legal & General or Aviva about an AA policy
The AA no longer sells life insurance and its old life insurance page now redirects to its finance page, so contact the insurer that provides your policy.
Legal & General (policies from April 2014). A claim for someone who had a single life policy can be started on Legal & General's Claims Portal; joint policyholders use their online account. Legal & General asks for the policy number or the direct debit reference, the full name of the person who has died and, where available, a copy of the death certificate.
Aviva (policies before April 2014). A claim can be started by phone or with Aviva's online form. Have ready the name of the person who has died, your relationship to them, the cause of death, the policy number if you have it, and your contact details. For Friends Life policies, Aviva's customer service number depends on how the policy number starts.
- Legal & General bereavement claims
- 0800 137 101
- Legal & General bereavement claims from abroad
- +44 (0)1273 374 665
- Legal & General over 50s claims
- 0800 009 3506
- Legal & General health claims (including critical illness)
- 0800 068 0789
- Legal & General claims lines open
- Mon–Fri 9am–5.30pm
- Legal & General payments or cancelling
- 03700 600 015, Mon–Fri 9am–6pm
- Legal & General life cover support
- legalandgeneral.com/existing-customers/life-cover-support (opens in a new tab)
- Aviva claims, Friends Life policies (numbers starting R, H, F or L)
- 0345 641 6610, Mon–Fri 9am–5pm
- Aviva claims, Friends Provident policies
- 0345 602 9199, Mon–Fri 8.30am–6pm
- Aviva customer service, Friends Life policies (numbers starting F, L or VM)
- 0345 600 3122, Mon–Fri 9am–5pm
- Aviva customer service, Friends Provident policies
- 0345 602 9199, Mon–Fri 8.30am–6pm
- Aviva life insurance contact page
- aviva.co.uk/help-and-support/life-cover-and-protection/life-insurance (opens in a new tab)
Numbers and opening hours are from Legal & General's and Aviva's own websites, checked on 3 October 2026, and may change. Aviva lists more Friends Life customer service numbers for other policy number formats on its contact page.
AA life insurance policy documents
These are Legal & General's policy summaries for AA Life Insurance and AA Over 50s Life Insurance, and the earlier Friends Life key facts for AA Life Insurance and AA 50 Plus Life Insurance. Your own policy schedule and terms are the documents that apply to your cover.
-
AA Life Insurance policy summary (February 2019) (opens in a new tab)
Legal & General's summary of AA Life Insurance with optional critical illness cover: what is covered, age limits, benefits and how to claim.
-
AA Over 50s Life Insurance policy summary (2019) (opens in a new tab)
Legal & General's summary of the AA Over 50s Increasing and Fixed plans: eligibility, the first-year rules and how to claim.
-
Key facts of AA Life Insurance (Friends Life, 2012) (opens in a new tab)
Friends Life Limited's key facts for AA Life Insurance with level or decreasing cover. Saved copy.
-
Key facts of AA 50 Plus Life Insurance (Friends Life and Pensions, 2013) (opens in a new tab)
Friends Life and Pensions Limited's key facts for AA 50 Plus Life Insurance. Saved copy.
Links checked on 3 October 2026: the two Legal & General summaries open on theaa.com; the Friends Life documents are saved copies from the Internet Archive.
Looking for new life cover?
The AA no longer offers life insurance to new customers, so there is no new AA policy to apply for.
If you already have an AA policy with Legal & General, Legal & General says a policy stays live for the duration of its term as long as the premiums are paid.
If you need new or extra cover, compare insurers that are selling life insurance today, and keep any existing policy until the new one has started, so you are not left without cover in between.
The guides below explain how term life, over 50s and critical illness cover work. You can also browse all our insurer reviews.
Guides to life cover
- Term life insurance: Cover for a set number of years, with level or decreasing cover.
- Over 50s life insurance: Guaranteed acceptance for ages 50–85, and what to check before you buy.
- Critical illness cover: A lump sum on diagnosis of a serious illness your policy covers.
Insurer reviews
- Aviva life insurance review
- Legal & General life insurance review
- All insurer reviews: plain-English reviews of UK life insurers, listed alphabetically
AA life insurance FAQs
No. AA Financial Services stopped offering life insurance to new customers in September 2019. The AA's old life insurance address now opens its finance page, which covers car finance, loans and savings accounts.
It depends on when you took it out. AA Life, Decreasing Life and Over 50s Life Insurance policies from April 2014 are with Legal & General. For policies from before April 2014, the AA's last life insurance page named Aviva.
No. Automobile Association Insurance Services Limited arranged the cover as an insurance intermediary, and for the Legal & General policies it acted solely as introducer. The insurer provided the policy and any related services.
Contact Legal & General. Its bereavement claims line is 0800 137 101 and its over 50s claims line is 0800 009 3506, Monday to Friday 9am to 5.30pm. A claim for someone with a single life policy can also be started on Legal & General's Claims Portal.
Contact Aviva, which now holds the former Friends Life business. Its claims line for Friends Life policies with numbers starting R, H, F or L is 0345 641 6610, and for Friends Provident policies 0345 602 9199. You can also start a claim with Aviva's online form.
For a policy applied for before 1 April 2011, check which insurer your documents name: at that time the AA searched a panel of insurers for its customers.
Look for a regular payment to Legal & General, Aviva or Friends Life on your bank statements. Legal & General says the reference next to its payment can be matched to a policy number, and Aviva points people to the Association of British Insurers, which keeps a register of companies that may have merged, changed their name or been sold.
Our guide to lost life insurance policies explains more ways to trace a policy.
No. Legal & General's 2019 policy summaries say AA Life Insurance has no cash value and pays nothing if the policy ends without a valid claim, and that the AA Over 50s plans have no cash value unless a valid claim is made. Friends Life's 2012 key facts say the AA Life Insurance plan would never have a cash-in value.
Sources
The facts on this page come from these sources.
- Wikimedia Commons — File:AA building (Fanum House) - geograph.org.uk - 668782.jpg (opens in a new tab), commons.wikimedia.org, accessed 3 October 2026.
- The AA — Life insurance (AA page, captured 1 October 2023) (opens in a new tab), theaa.com, accessed 3 October 2026.
- The AA — Response headers for the AA's former life insurance page (theaa.com/life-insurance/) (opens in a new tab), theaa.com, accessed 3 October 2026.
- The AA — Life Insurance (AA page, captured 2 March 2010) (opens in a new tab), theaa.com, accessed 3 October 2026.
- The AA (Legal & General document) — AA Life Insurance with optional Critical Illness Cover - Policy Summary (02/2019, QGI12839) (opens in a new tab), theaa.com, accessed 3 October 2026.
- The AA — Life Insurance (AA page, captured 21 February 2012) (opens in a new tab), theaa.com, accessed 3 October 2026.
- The AA — Life insurance (AA page, captured 21 September 2019) (opens in a new tab), theaa.com, accessed 3 October 2026.
- The AA — Life insurance (AA page, captured 19 September 2019) (opens in a new tab), theaa.com, accessed 3 October 2026.
- The AA — Life Insurance Existing Customers (AA page, captured 16 April 2011) (opens in a new tab), theaa.com, accessed 3 October 2026.
- The AA (Friends Life document) — Key facts of AA 50 Plus Life Insurance (Friends Life and Pensions Limited, PNKF110 01/13) (opens in a new tab), theaa.com, accessed 3 October 2026.
- The AA — Life insurance (AA page, captured 14 March 2014) (opens in a new tab), theaa.com, accessed 3 October 2026.
- Aviva — Our previous companies | Aviva (opens in a new tab), aviva.co.uk, accessed 3 October 2026.
- The AA — Financial services | Manage your finance | AA (opens in a new tab), theaa.com, accessed 3 October 2026.
- Legal & General — Life Insurance Support and Contact Numbers | L&G (opens in a new tab), legalandgeneral.com, accessed 3 October 2026.
- Aviva — Make a claim on your life insurance | Aviva (opens in a new tab), aviva.co.uk, accessed 3 October 2026.
- The AA — About us (opens in a new tab), theaa.com, accessed 3 October 2026.
- Wikipedia — The AA - Wikipedia (opens in a new tab), en.wikipedia.org, accessed 3 October 2026.
- Financial Conduct Authority — Financial Services Register - Automobile Association Insurance Services Limited (FRN 310562) (opens in a new tab), register.fca.org.uk, accessed 3 October 2026.
- Companies House — AUTOMOBILE ASSOCIATION INSURANCE SERVICES LIMITED - Company overview (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 3 October 2026.
- Companies House — AUTOMOBILE ASSOCIATION INSURANCE SERVICES LIMITED - Persons with significant control (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 3 October 2026.
- The AA — Car, home and travel insurance | AA Insurance (opens in a new tab), theaa.com, accessed 3 October 2026.
- The AA — Life insurance (AA page, captured 17 May 2014) (opens in a new tab), theaa.com, accessed 3 October 2026.
- Companies House — Friends Life Limited - Report and Financial Statements for the year ended 31 December 2018 (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 3 October 2026.
- Companies House — Friends Life and Pensions Limited - Report and Financial Statements for the year ended 31 December 2018 (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 3 October 2026.
- The AA (Legal & General document) — AA Over 50s Life Insurance Plans - Policy Summary (05/19, Q0051633) (opens in a new tab), theaa.com, accessed 3 October 2026.
- The AA — About our insurance services - Automobile Association Insurance Services Limited (AA Life Cover, IDDLCW 01/13) (opens in a new tab), theaa.com, accessed 3 October 2026.
- Aviva — Reconnecting with lost customers | Aviva (opens in a new tab), aviva.co.uk, accessed 3 October 2026.
- The AA (Friends Life document) — Key facts of AA Life Insurance (Friends Life Limited, PNKF111 01/12) (opens in a new tab), theaa.com, accessed 3 October 2026.
- Companies House — FRIENDS LIFE LIMITED - Company overview (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 3 October 2026.
- Companies House — FRIENDS LIFE AND PENSIONS LIMITED - Company overview (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 3 October 2026.
- Aviva — Contact us about your life insurance | Aviva (opens in a new tab), aviva.co.uk, accessed 3 October 2026.