FAQs from AA Ireland Membership Insurance
What is the BetterHealth benefit and who can use it?
The BetterHealth suite is a free benefit included with Life Choice Home, Life Choice You and Family, and Life Choice Assets policies. It covers online doctor consultations, mental health counselling, physiotherapy, and a Get Fit Programme at no extra cost. Cover also extends to your spouse or partner and dependants under 18.
Is tax relief available on pension contributions?
Yes. Revenue-approved pension plans, including PRSA plans and lump sum AVC contributions, qualify for tax relief on what you pay in. This reduces the effective cost of saving for retirement. Public sector employees may also have access to specific AVC plans through their HR department.
Can I cancel my policy if I change my mind?
Yes. There is a 30-day cooling-off period from the date your policy is issued. Cancel within that window and you will receive a refund of any regular premiums paid. After that period, early encashment charges may apply if you exit within the first five years.
What is the Extra Allocation benefit?
Extra Allocation means the amount invested into your selected funds is greater than the premium or contribution you actually pay. It applies to certain products and selected Smart Funds. It is worth checking whether a product you are considering includes this benefit, as it can improve the long-term value of your investment.
What is a Loyalty Bonus and when does it apply?
The Loyalty Bonus is an additional reward for keeping a policy active and continuing to pay premiums over a set period. The timing and amount vary by product, so check the terms of your specific policy to see when it applies. It is a genuine incentive to stay invested for the long term.
Can I take a break from paying my premiums?
Yes, on certain policies. Premium Skip and Premium Holiday options allow a temporary break in payments. Not every policy includes these options, so it is worth confirming when you take out cover. Get in touch before pausing payments to understand how it affects your specific policy.
What do I need to make a withdrawal from my policy?
To process a withdrawal, you will need to submit a completed withdrawal form along with photo ID (a passport or driving licence) and proof of address dated within the last six months. Be aware that early encashment charges may apply if you withdraw within the first five years of the policy start date.
How can I manage my policy online?
Policyholders, including those under the Bank of Ireland Life umbrella, can use the mynewireland portal to view and manage their policies digitally. It is a straightforward way to keep track of your cover without having to call.
What payment methods are accepted?
You can pay by direct debit for regular premiums, or by bank transfer for top-ups and single premium lump sums. Both regular and single premium payment structures are available depending on the product you choose.
Are there any benefits specifically for public sector employees?
Yes. Public sector employees can access specific AVC (Additional Voluntary Contribution) plans to boost their retirement benefits. There is also the option to purchase 'added years' through your HR department. These plans qualify for tax relief, making them one of the more tax-efficient savings options available in Ireland.
Smart Ways to Save More with AA Ireland
AA Ireland is one of Ireland's most trusted providers, and there is more value packed into their policies than the headline premium suggests. From free healthcare services bundled into Life Choice cover to tax relief on pension contributions, the savings are real and worth knowing about before you sign up.
On this vouchercloud page you will find the best current AA Ireland deals and any available AA Ireland discount codes rounded up in one place, so you can be confident you are getting the best deal available.
How to Apply Your AA Ireland Voucher Code at Checkout
Ready to use an AA Ireland voucher code you found on vouchercloud? Here is how to apply it:
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Copy the code from the vouchercloud offer page and head to the AA Ireland website.
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Select the policy or product you want and work through the quote or application process.
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Look for the field labelled 'promo code', 'voucher code', or 'discount code' at the checkout or payment stage — its exact label may vary by product.
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Paste your code into that field and confirm. The saving should be reflected in your total before you complete the purchase.
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If the code does not apply, check that your basket meets any minimum spend or eligibility conditions, that only one code is being used at a time, and that the offer applies to the specific product in your basket. If you are still stuck, contact AA Ireland directly using the details at the bottom of this page.
Free Healthcare Services Included with Life Choice Policies
This is one of the standout benefits for existing and new policyholders. If you hold a Life Choice Home, Life Choice You and Family, or Life Choice Assets policy, you get access to the full BetterHealth suite at no extra cost.
That includes:
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Online Doctor consultations
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Mental Health Counselling
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Physiotherapy
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Get Fit Programme
Cover is not just for you. It extends to your spouse or partner and any dependants under 18. For a family, that is a meaningful saving on private healthcare appointments that would otherwise come out of your own pocket. The BetterHealth benefit is built into the policy, so there is nothing extra to sign up for once your cover is active.
Check that your specific Life Choice product is eligible when you take out or renew your policy — it is worth confirming at the point of application.
Tax Relief on Pension Contributions
If you are contributing to a Revenue-approved pension plan, including a PRSA or a lump sum AVC (Additional Voluntary Contribution), your contributions qualify for tax relief. That means the government effectively subsidises part of what you pay in, reducing the real cost of building your retirement fund.
For public sector employees, there is also the option to access specific AVC plans to enhance retirement benefits, including the ability to purchase 'added years' through your HR department. It is one of the most tax-efficient ways to save available in Ireland, and it is built into how these plans are structured rather than being a promotional offer.
Speak to your employer's HR department or get in touch directly to understand what is available to you based on your situation.
Extra Allocation: Your Investment Goes Further
On certain products, the Extra Allocation benefit means that the amount invested into your selected funds is greater than the premium or contribution you actually pay. In straightforward terms, you get more working for you than you put in at the point of contribution.
This applies to selected Smart Funds and other qualifying products, and it is worth checking whether the product you are considering includes it. It is not a discount in the traditional sense, but it is a genuine financial advantage that affects the long-term value of your policy.
Ask about Extra Allocation when comparing products. It can make a real difference to the overall return on your investment over time.
Loyalty Bonus for Long-Term Policyholders
The Loyalty Bonus is an additional payment or reward applied when you keep a policy or investment active and continue paying premiums over a set period.
The specifics vary by product, so it is worth checking the terms of any policy you are considering to understand when the bonus applies and how it is calculated. What it signals clearly is that the longer you stay, the more the policy can work in your favour — a practical reason to think long-term rather than switching for the sake of it.
Review the policy terms when you apply to see exactly when your Loyalty Bonus kicks in.
Policy Flexibility: Premium Skip and Cooling-Off Period
Life is unpredictable, and there is some practical flexibility built into these policies.
30-Day Cooling-Off Period
If you take out a policy and change your mind, you have 30 days from the date the policy is issued to cancel and receive a refund of the regular premiums you have paid. That is a meaningful safety net if your circumstances change shortly after signing up.
Premium Skip and Premium Holiday
For certain policies, Premium Skip and Premium Holiday options let you take a temporary break from payments without losing your cover. This can be useful during periods of financial pressure, and it is worth checking whether your specific policy includes these options before you need them.
Note that if you withdraw, surrender, or transfer a policy within the first five years, early encashment charges may apply, so it is worth understanding the full terms before making any changes.
If you are considering a break in payments or an early exit, get in touch before making any decisions to understand the implications for your specific policy.
Get in Touch
There are several ways to get help, whether you have a question about a policy, a claim, or your pension.
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General enquiries and claims: (01) 523 9810 (Mon–Fri, 9am–4pm)
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Pensions: (01) 511 9204 (Mon–Fri, 9am–4pm)
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Customer service: (01) 617 2000 (Mon–Fri, 9am–5pm)
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General email: [email protected]
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Claims email: [email protected]
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Pensions email: [email protected]