BEAM Car Insurance

Defaqto 4 Star rated cover

Exclusively available through price comparison websites

Why insure your car with us?

  • Guaranteed courtesy car
    Guaranteed courtesy car
    If your car’s out of action and in for repair, we’ll send you a courtesy car to keep for as long as you need 1.
  • Uninsured driver promise
    Uninsured Driver Promise
    Hit by an uninsured driver and it wasn’t your fault? Keep your no claim discount and pay no excess 2.
  • Transport or a hotel after an accident
    Help after an accident
    We’ll cover your travel or a hotel after an accident so you can get to where you need to be 3.

Our car insurance

BEAM is a new name in car insurance from one of the UK’s leading brands. So you can feel confident you’ve got the right cover, and safe in the knowledge we’re powered by the AA.

  • Get affordable car insurance, with the added protection of an experienced and trusted claims team.
  • Add extra cover if you need it, such as Excess Protection or Motor Legal Assistance.
  • Because we’re backed by the AA, you can get breakdown cover from just £15.
    BEAM car insurance is only available through select price comparison sites, so if you want to get a quote, just head to one of our partners.

What’s covered by BEAM car insurance?

You can choose between 2 types of cover:

  • Comprehensive: this is the highest level of insurance available. You're covered for accidental damage or theft of your car, injuries to other people and damage to their vehicle or property, as well as fire damage and vandalism.
  • Third party, fire and theft: this covers your car if it’s damaged by fire or stolen, as well as injury to others, or damage to their vehicle or property. It doesn't cover damage to your vehicle.

Optional extras available with your cover

    • AA Breakdown: Roadside

    Get 24/7 help if your vehicle breaks down over ¼ mile from your home 4.

    • AA Breakdown: Roadside and National Recovery

    The same cover as our standard Roadside add-on, plus we'll take you and your vehicle to any UK destination – however far it is 4.

    • Motor Legal Assistance

    Get up to £100,000 in legal assistance, a 24/7 legal helpline and a range of online legal documents.

    • Excess Protection

    Claim your excess back when you’re at fault, or if the others involved in the accident can’t be identified.

    • Motor Accident Plan

    Improve on the personal injury cover included in our comprehensive policy, with added benefits if you have an accident.

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.

Important information

1 Comprehensive cover provides a courtesy car while your car is being repaired at an approved garage.

2 Only for comprehensive cover and non-fault claims where the other driver is identified and not insured. Registration number, make and model of the other vehicle is required.

3 Up to £500 for all occupants (maximum limits apply per person). You'll need to pay for your travel and hotel expenses, then reclaim them from your insurer.

4 The service is limited to 1 call-out during the policy year, but additional call-outs are available on a pay-for-use basis.

The underwriter of your car insurance policy will be provided from our panel of insurers.

BEAM car insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 310562.

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 all year.

Call now