Please note that some sales are not arranged through AAIS and if this applies to your cover, you will be issued with a separate document identifying the company which arranged your cover, and giving the required information about that company.
The minimum duration of your arrangement and administration contract with AAIS is the duration of your AA Membership and your contract with AAIS will terminate simultaneously with the termination of the related AA Membership (whatever the reason for such termination).
1. Who regulates AAIS?
AAIS is authorised and regulated by the Financial Services Authority (FSA). The FSA is an independent body that regulates the financial services industry in the UK. AAIS’s permitted business is that of an insurance intermediary dealing in and arranging contracts of general insurance. You can check this information on the FSA’s register by visiting their website www.fsa.gov.uk/register or by contacting 0845 606 1234. Our FSA registration number is 310562.
2. Which companies does AAIS deal with?
AAIS deals with The Automobile Association Limited which underwrites Roadside Assistance, Home Start and Relay, and Acromas Insurance Company Limited which underwrites Stay Mobile. AAIS acts as an agent of these underwriters, when arranging payments or refunds of your premium. These are the only underwriters of breakdown assistance available through AAIS. AAIS may renew your cover to a different underwriter or notify you of a future change if the underwriter of AA products has changed for new policies for any reason.
3. What services does AAIS provide?
AAIS provides the following services to you:
- Providing information about breakdown cover: AAIS will provide you with information on the breakdown cover available from the insurer(s) under AA Membership and will ask you some questions to help narrow down the level and type of that breakdown cover of interest to you. You will not receive advice or any recommendation on which level or type of breakdown cover to buy and you will need to make your own choice on which level and type of breakdown cover you require.
- Arranging breakdown cover. Once you decide what cover you require, AAIS will arrange this for you with the insurer(s), dealing with payment and issuing the relevant Membership documentation and card(s).
- Administering breakdown cover: After arranging breakdown cover AAIS will administer it on your behalf, including supplying replacement Membership documentation, keeping your Membership records up to date, dealing with enquiries; changes to payment methods, renewals (including Autorenewal) of Membership and cancellations (including refunds of premium on behalf of the insurer(s)).
- Making changes to breakdown cover: If during your Membership you wish to change the type or level of cover AAIS will provide you with information to help you make your choice and will arrange any changes with the insurer(s), including dealing with any additional payments and issue any relevant Membership documentation and card(s).
- If, during the currency of your AA Membership, the relevant insurer wishes to alter the Terms & Conditions of Membership Cover, AAIS will provide you with the relevant information. AAIS will, for compliance purposes, keep a copy of the policy that was issued to you Communication by AAIS concerning any policy issued will be in English.
4. What will you have to pay for services provided by AAIS?
AAIS will always inform you of, or confirm in writing its fees for the services it provides under this contract. These fees and when they are payable, will be advised in the contract, in the accompanying letter or separately in writing. AAIS’s fees will be identified separately from the Breakdown Cover premium.
AAIS may charge an additional fee of up to two per cent of the transaction value if you pay by credit card (the ‘credit card charge’). You will be advised, in advance, if this fee will apply, and the amount payable.
Subject to any statutory rights you may have as a consumer, AAIS will only refund its fees in the circumstances set out in the following AA Breakdown Cover Policy General Terms & Conditions:
a) Where premium is refunded under clause 3f; or
b) where you cancel under clause 8a; or
c) where you cancel under clause 8b, in which case any refund will be subject to AAIS making a cancellation charge of £20.
Please note: any refund AAIS makes of its fees under b) or c) above will not include a refund of any credit card charge which has been paid by you.
AAIS will also tell you about any other charges relating to your AA Membership.
5. Changes to Terms & Conditions
Annual cover: AAIS is entitled to change any of these Terms and Conditions at renewal. AAIS also reserves the right to make changes to these Terms & Conditions during the Membership Year, on the giving of reasonable notice, where it reasonably considers this necessary in order to comply with any applicable laws, regulations or the advice or instruction of any regulatory authority.
For Continuous Membership: AAIS is entitled to make changes to any of these Terms & Conditions (and to the fees payable) during a Continuous Membership contract, but will always give Members paying monthly or quarterly at least 45 days prior notice of any such change(s).
6. Matters outside AAIS’s reasonable control
AAIS shall not be liable for service failures where it is faced with circumstances outside its reasonable control. Events which might constitute circumstances outside AAIS’s reasonable control include (but are not limited to) Acts of God, outbreak of hostilities, riot, civil disturbance, acts of terrorism, acts of government or authority (including the refusal or revocation of any licence or consent), fire, subsidence, explosion, flood, snow, fog or other bad weather conditions, vehicle, equipment or systems failures, shortages of fuel or other necessary supplies, failure of telecommunications lines or systems, default or suppliers or sub-contractors, theft, malicious damage, strike, lock out or industrial action of any kind.
7. Exclusion of liability for loss of profit etc
AAIS shall not, in any event, and to the extent permitted by law, have any responsibility for
a) any increased costs or expenses; or
b) any loss of
(i) profit; or
(ii) business; or
(iii) contracts; or
(iv) revenue; or
(v) anticipated savings; or
(c) for any special or indirect losses incurred as a result of or in connection with any service, whether resulting from tort (including negligence or breach of statutory duty), from breach of contract or otherwise.
For the avoidance of doubt, nothing in this clause or these Terms & Conditions shall exclude or restrict the AAIS’s liability for negligence resulting in death or personal injury.
8. Third parties
None of the Terms and Conditions, or benefits, of this Contract are enforceable by anyone else other than the Member. For the avoidance of doubt, and without limiting the above, any rights under The Contract (Rights of Third Parties) Act 1999, or any replacement or amendment of such act, are excluded.
9. Interpretation: use of English law & language
This contract is written in English and is governed by, and should be interpreted under, the laws of England and Wales.
10. What to do if you have a complaint?
If you wish to register a complaint about the services you have received from AAIS, please contact:
By phone: 0845 607 6727
In writing: Member Relations,
AAIS, Lambert House,
Stockport Road,
Cheadle,
Cheshire,
SK8 2DY.
By email: customersupport@theAA.com
If you cannot settle your complaint with AAIS you may be entitled to refer it to the Financial Ombudsman Service.
11. Is AAIS covered by the Financial Services Compensation Scheme (FSCS)?
The activities of AAIS in arranging AA Membership are covered by the FSCS. You may be entitled to compensation from the scheme if AAIS cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance arranging is covered for 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS at www.fscs.org.uk or telephone 0207 892 7300.
12. Use of headings
The headings used above are for convenience only and shall not affect the interpretation of its contents.
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