I am not in a Scheme and would like to join

Making the decision to join one of the Company’s pension schemes is an important one as it is estimated that many millions of people are thought not to be saving enough for later life.

Joining a pension scheme is a tax efficient way of saving for your retirement and building up an income for when you have stopped working. Not only that, but joining a company pension scheme is a good way of getting the most out of your employment with the AA as the Company pays into the pension scheme too.

Note: If you do nothing, after 3 months of starting your employment, you will be automatically enrolled into the AA Group Personal Pension Plan (AA GPPP) in accordance with auto-enrolment legislation.

What do people think about pensions?

Legal & General have produced a short discussion video of real people filmed in their own homes talking about pensions and their expectations of retirement. Click here to watch the video.

Which Pension Plan do I choose?

There are currently two AA Pension Plans at the AA for you to choose from. Please note, your contract of employment will determine whether you are eligible to join the AA Worksave Pension Plan.

Please read the information below and visit the website before making your choice of which plan to join.


AA Worksave Pension PlanAA GPPP (Auto Enrolment) 
AdministratorLegal & GeneralLegal & General
Type of PlanDefined ContributionDefined Contribution
Benefit basisBased on your and the Company’s contributions & fund value at retirementBased on your and the Company’s contributions & fund value at retirement
Normal Retirement AgeAny age between 55–75Any age between 55–75
Death in service Benefit4 x salary* and return of fund valueReturn of fund value
Spouse’s pension on deathNoneNone
Contribution rateMember choice of 4% or 5% (you may elect to pay a higher contribution rate)3% (increasing to 5% in April 2019)
Employer contribution6% if Member is paying 4% or 7% if Member is paying 5% or more2% (increasing to 3% in April 2019)
Detailed informationClick www.AApensions.com
Click www.AApensions.com (AA GPPP)
How to joinComplete the application form in your starter packYou can choose to opt into this scheme immediately by contacting payroll. If you have not joined either schemes within 3 months, you will be automatically enrolled into this scheme (subject to age and earnings)

*Salary is capped for the payment of pension contributions and Life Assurance. Currently the annual salary cap is £150,600. This figure is reviewed annually.

Please note,

  1. All terms and conditions may change in the future.
  2. All benefits under the Worksave Pension Plan are subject to the Policy Rules.
  3. You may only join the AA Worksave Plan within 12 months of joining the Company.

Don’t understand and want to talk to someone?

We want you to understand your options, so don’t let this put you off joining a scheme. If you have any questions about the Company’s pension schemes, either before or after you have started working for the AA, please email the AA pensions department at pensions@theaa.com or phone 01256 491003 to speak to a friendly person.

We are not allowed to give financial advice, so if you think you need to speak to a financial adviser www.unbiased.co.uk will help you find professional advice in your local area.