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Home insurance

5 Star Rated cover for £95 or less

That's what 10% of our new customers pay*

We'll protect your home with the cover you need

  • Usps white tick
    5 Star Rated cover
    Our Home Insurance has been awarded a 5 Star Rating from Defaqto for the 4th year running.
  • Usps white tick
    Flexible to suit your needs
    Excellent cover comes as standard – or you can choose even higher levels of cover if you need it.
  • Usps white tick
    Quick and convenient
    It only takes 5 minutes to get a quote. You can save it for later, or view your policy documents online.

What's covered?

Home Insurance Plus

Our highest level of cover with useful extras included in one convenient package

Our highest level of cover with useful extras included in one convenient package

  • Unlimited contents cover
  • Unlimited buildings cover
  • £50,000 alternative accommodation cover if your home can't be lived in due to an insured event
  • Accidental damage cover for buildings and contents – eg spilling red wine on a sofa
  • Up to £7,500 cover for items stolen from outbuildings/garages
  • In-and-away-from-home cover for valuables worth up to £5,000 – eg phone or laptop
  • Unlimited cover for replacement locks and keys if your keys are lost or stolen anywhere in the world
  • New for old – we'll replace items without applying a depreciation to their value

Home Insurance

An excellent level of cover with flexible extras to suit your needs

An excellent level of cover with flexible extras to suit your needs

  • Flexible levels of contents cover, starting from £40,000
  • Unlimited buildings cover for homes worth up to £1 million
  • £25,000 alternative accommodation cover if your home can't be lived in due to an insured event
  • Accidental damage cover for non-portable gas and electrical items – eg TV or washing machine
  • Up to £3,000 cover for items stolen from outbuildings/garages

50% off breakdown cover

New customers get 50% off breakdown cover for a year – plus money off breakdown cover upgrades.¹

Increase your cover with optional extras

Legal Expenses Cover
Protection against the cost of being sued or making a claim against someone
  • Provides up to £50,000 cover for legal expenses and a legal helpline
  • Plus you'll have access to a range of free online legal documents – including a free will, checked by a qualified lawyer
More information and policy documents
Home Emergency Cover
Help in the event of many household emergencies
  • We'll pay up to £500 (including VAT) for call out, labour, parts and materials to cover an emergency service following an insured event
  • Call us whenever you have an emergency – there's no limit on call-outs
More information and policy documents
Home Emergency Response
Get help with emergencies when you need it
  • Provides greater protection against household emergencies than our basic Home Emergency Cover
  • Charges for labour, materials and parts are included for an unlimited number of call-outs
  • You can also add protection for your gas central heating
More information and policy documents

Home contents calculator

Do you know the total value of your contents?
You can see how much cover you'll really need with our home contents calculator.
Try our calculator
… After the experience I had today, I highly recommend AA insurance to everybody else.
Mr Robertson (Home Insurance customer)
Policy documents

The policy booklets contain full terms and conditions, and include the policy summary with the main features and limits of the cover.

AA Buildings Insurance

Policies purchased from 29 October 2015 or renewed from 28 November 2015 onwards:

Buildings Insurance Policy Booklet

AA Contents Insurance

Policies purchased from 29 October 2015 or renewed from 28 November 2015 onwards:

Contents Insurance Policy Booklet

You can find previous policy booklets here


Home Insurance Plus

Policies purchased from 15 April 2015 or renewed from 13 May 2015 onwards:

Home Insurance Plus Policy Booklet

You can find previous policy booklets here


The information in the policy booklets is also available in large print, audio and Braille on request. Please call for details.

You can also contact us using Next Generation Text (formerly Text Relay).


About AA Insurance Services Limited

Please read this PDF summarising the services we offer.

Information about AA Insurance Services Limited (updated April 2015)


Already have an AA Home Insurance policy?

Sign in to view your home insurance policy

FAQs

About Home Insurance

Will my building society or mortgage lender accept your policy?

Yes. They may need a copy of your home insurance policy documents. You can sign in to your My AA account to access your online policy documents.

If you chose to have the policy documents posted when you initially purchased the insurance, we can provide them again free by email for you to print, or there is a £1.99 charge to send copies to you.


Will you insure me if I work from home?

You usually won't have problems with this, but we do have to check with the insurers. Very occasionally some customers have to pay more for their insurance because of the work they do.


The policy excess

What is a policy excess?

An excess is an amount that you pay towards the cost of a claim. There are two types of policy excess.

Compulsory excess

This is the amount your insurer will ask you to pay towards the cost of a claim. You'll be told how much this will be before you buy insurance. Make sure you're happy with this amount before buying insurance.

Voluntary excess

The amount you'd be prepared to pay on top of the compulsory amount. Discounts are available on the price you pay for your insurance if you want to pay an additional voluntary excess on claims you make.


My valuables

What do you class as a valuable, and what do I need to specify on my policy?

Valuables include jewellery, furs(other than sheepskin), watches, items made of gold, silver and other precious metals, photographic equipment (including video cameras and camcorders), portable audio visual, laptops or other computer equipment (which does not include any equipment only capable of use when connected to mains electricity), mobile phones, microscopes, telescopes, binoculars and portable musical instruments.

Pictures and other works of art, and collections or sets of stamps, coins and medals are also classed as valuables.

The insured value of your contents, including valuables and personal belongings, is shown on your statement of insurance. A single article limit of £1,500 (£5,000 on Home Insurance Plus) applies for your valuables and personal belongings.

You will need to add details of personal belongings and valuables worth over £1,500 (£5,000 on Home Insurance Plus) to ensure they are included on your contents policy. You can then choose to cover them for accidental loss or damage in the home or anywhere in the world.

Valuables are not covered if they are kept in a domestic garage or outbuilding.


What about my mobile phone, tablet or laptop?

The contents of your home, including your devices, are covered against insured events such as fire, theft, storm or flood, and they will be replaced as new.

Mobile phones, tablets and laptops are classed as valuables on your contents policy. If any item is worth over £1,500, such as a laptop, you will need to add details of it to ensure it is included on your policy.

You can further insure your mobile devices or laptop with our optional worldwide accidental loss or damage cover. Personal belongings and valuables – each item not exceeding £1,500 – will be covered in the home and anywhere in the world. For example, if you drop a mobile phone on the kitchen floor and damage it, or a laptop is lost or stolen when it's away from home.

If your laptop or mobile device is worth more than £1,500, we can provide optional cover for accidental loss or damage anywhere in the world for specified valuables and personal belongings.

Home Insurance Plus covers unspecified valuables and personal belongings worth up to £5,000 for accidental loss or damage anywhere in the world. Only items worth over £5,000 need to be listed separately.

Valuables are not covered if they are kept in a domestic garage or outbuilding.


Is my musical instrument covered?

Yes, portable musical instruments are classed as valuables in your home, and covered for fire and theft for example.

Portable musical instruments worth over £1,500 (£5,000 on Home Insurance Plus) need to be specified on your statement of insurance to ensure they are included on your contents policy.

You can extend the cover to include accidental loss or damage in the home or anywhere in the world. Portable musical instruments are not covered for damage while being used.

Collections are covered under valuables in the contents policy. What can a collection include?

A collection can include valuables such as sets of stamps, coins and medals, works of art, ceramics and antiques.

You will need to add details of any collections of personal belongings and valuables if the total value of the collection exceeds £1,500 (£5,000 on Home Insurance Plus) to ensure they are included on your contents policy.

You can extend the cover for your collections to include accidental loss or damage in your home and anywhere in the world.


About your buildings cover

Do I get liability cover?

Yes, the owner of the building is covered against liability, loss or damage. We will insure you for all amounts which you have legal liability to pay as the owner – but not occupier – for accidents which happen in or around the property (which result in physical injury to or illness of any person), or loss of or damage to the property.

There is a limit of £2 million for all claims arising from any one accident plus costs and expenses which we agree to in writing.

You are not covered for legal liability as a result of trade, profession or employment within the home.


Are my outbuildings covered, such as the shed, garage or greenhouse?

Yes, a domestic garage and outbuildings are covered if they belong to or form part of the property.


About your contents cover

Do I get liability cover?

Yes, the policy will cover you for your liability as occupier of the building, your personal liability, and also your liability to your domestic employees.

As occupier of the building, the cover pays compensation for accidents which happen in or around your property, while personal liability cover pays compensation for accidents not connected with the occupation of your building.

There is a limit of £2 million for all claims arising from any one accident plus costs and expenses which we agree to in writing.

For domestic employees, we will insure you for the liability to pay compensation for causing accidental death, physical injury, disease or illness to any person in your domestic employment within Great Britain, Isle of Man, Channel Islands or Northern Ireland.

There is a limit of £5 million for all claims arising from any one incident including costs and expenses which we agree to in writing.


What is 'new for old' cover?

If you claim for an item that is lost or so damaged that it can't be repaired, we'll pay you whatever it costs to buy a new one at today's purchase price. You won't lose any money when you have to replace an item.

Any cash settlement may also take into account trade discounts.


Do I get accidental damage cover?

Standard AA Home Insurance:

The contents policy includes accidental damage cover to non-portable electrical and gas appliances as standard. You can include the rest of your contents for an extra payment.

You can also add accidental damage to your buildings cover, for damage to the fabric of your home, eg floors, walls and ceilings. It can cover accidents like putting your foot through the ceiling, or hammering into a pipe.

Home Insurance Plus:

You are automatically covered for accidental damage to your buildings and contents.


I use a mobility scooter – is it covered within the home?

Most of our insurers will cover a mobility scooter, but we do need to know the type and its value. Call us on 0800 316 1567 to arrange cover for your mobility scooter.


Are bicycles covered?

All types of bicycle are covered among personal belongings in your home, with a single article limit of £1,500 (£5,000 on Home Insurance Plus) for each one. They are also covered for theft from your outbuildings or your domestic garage up to £3,000.

You can add details of personal belongings worth over £1,500 (£5,000 on Home Insurance Plus) to ensure they are included on your contents policy. You can also add extra cover to ensure your bikes are covered when you take them away from home.

If you need cover for an electric bike, please call us on 0800 316 1567.


Are the contents of my shed or garage covered, such as a lawnmower or tools?

Standard AA Home Insurance:

You'll be covered up to £3,000 for the theft of items from any outbuildings.

Home Insurance Plus:

On this policy the cover is increased to £7,500.

Your tools are not covered if they are used in connection with any business, profession or trade.

Do remember to keep your garage, shed and other outbuildings locked.


Is my medical equipment covered, such as oxygen bottles?

Most of our insurers will cover medical equipment, but we do need to know the type and its value. Call us on 0800 316 1567 to arrange cover for your medical equipment.


Can you provide cover for firearms?

Most of our insurers will cover firearms, but we do need to know the type and its value. Call us on 0800 316 1567 to arrange cover for your firearms.


My payment

Can I spread my payments and pay by monthly instalments?

Yes, you can pay by monthly instalments. We'll ask for an initial payment by debit or credit card and the rest of your payment will be made in 11 monthly instalments. Credit will be provided by Automobile Association Insurance Services Limited, and you must be over 18.


How secure is my online payment?

We are committed to keeping your personal details and credit or debit card information private and secure.

All the information you give us online is encrypted by our secure-server software. This means that everything you type in is turned into a secret code that people cannot understand or use on normal equipment before it is sent securely to us.


When does my insurance start?

You can buy your insurance up to 60 days in advance of the policy start date.

So you'll be insured from the chosen start date of the policy when your payment has gone through using a debit or credit card, whether you buy your home insurance online or on the phone.


Will you pay any administration fees if I move away from my current insurer?

Yes. We'll refund up to £25 for buildings insurance and £25 for contents insurance as long as you can provide evidence that you've paid the administration fees.


Making a home insurance claim

How do I make a home insurance claim?

Phone the number shown on your Statement of Insurance as soon as possible to report the loss or damage. You will be told how to proceed with your claim.

Find out more about how to make a home insurance claim.


Home emergency assistance

How many days do I have to wait before I can get assistance for a home emergency?

Standard AA Home Insurance:

You can add Home Emergency Cover or Home Emergency Response when you buy home insurance online. Home Emergency Cover assistance becomes available when your home insurance policy starts.

Home Emergency Response is available from the 15th day after the start date of your home insurance policy. This only applies at the start of your policy and not when you renew your cover.

Home Insurance Plus:

Home Emergency Response is included with Home Insurance Plus (buildings) cover, and assistance is available from the start date of your policy.


Good to know

* Survey of new business sales from theAA.com, June 2016 to August 2016. Prices based on standard Buildings and Contents joint cover.

1 Roadside Breakdown Cover is available to new customers at 50% off for 12 months. Cover is personal, which means you're covered in any vehicle. Breakdown cover will be renewed automatically, unless you ask us not to. See the full Roadside offer terms and conditions

5 Star Rating. For the fourth year running, AA Home Insurance has been awarded a 5 Star Rating from Defaqto. Defaqto is an independent, financial research company that specialises in rating, comparing and analysing financial products.


The underwriter of your home insurance policy will be chosen from our panel of insurers.

AA Home 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. You can check their register or call the FCA on 0800 111 6768.

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0800 197 6169

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