Home Membership

Home Membership

Central heating, boiler and home emergency cover. Now we can help with routine repairs too.

Did you know the AA fixes breakdowns in the home as well as on the road?

If you have an emergency, your home insurance usually covers the cost of damage – however AA Home Membership will deal with the problem itself. Whether you need help with your boiler, electrics, plumbing or drains, our fully qualified AA engineers will give you the rapid help you need with just one call.

Our Home Membership has a variety of products designed to suit your needs and is already offering over 1,000,000 homes the reassurance of the 4th Emergency Service.

Are you a landlord?

Do you need home emergency and boiler breakdown cover for your rental property?

Call today 0800 197 4180

Landlord cover

Got an emergency right now?

Don't have Home Membership cover? Don't worry, we can help.

Call now 0800 197 4184

One-off repairs

AA Home Membership is underwritten by Acromas Insurance Company Limited (AICL) 57-63 Line Wall Road, Gibraltar. Registered Number 88716 (Gibraltar). UK branch address: Enbrook Park Sandgate, Folkestone CT20 3SE. Acromas Insurance Company is authorised by the Financial Services Commission, Gibraltar and is a member of the Association of British Insurers.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). You can check their register or call the FCA on 0800 111 6768.

Compare heating options

Common situations covered by our central heating options

The situations listed below will help to give you an idea of what is covered by our central heating options. Please see the Terms and Conditions booklet for full details.

Central heating coverCentral Heating Emergency ResponseCentral Heating Response Plus
You have no hot water throughout your property Included Included
You have no heating throughout your property Included Included
Initial inspection and annual service Not included Included
The radiators are coming on when they shouldn't Not included Included
The boiler is not always coming on when it should do Not included Included
One or some of your radiators are not working when others are Not included Included
 

Common home situations we cannot help you with

  • Emergencies arising from a situation you knew about before (or within 14 days of) cover start date
  • If you or someone else has tried to make a repair, but has only made matters worse, we will not cover you for extra costs you may face. Our advice: call us first!
  • Problems that are home improvements and not repairs, e.g. installation of a new boiler
  • Problems with your external gas supply
  • Problems with your gas meter

Compare home cover options

Common situations covered by our home cover options

The situations listed below will help to give you an idea of what is covered by our home cover options. Please see the Terms and Conditions booklet booklet for full details.

Plumbing and drainsHome Emergency ResponseHome Response Plus
You have a burst pipe and water is pouring through your ceiling Included Included
You've had a DIY incident and have accidentally made a hole in an internal water pipe causing a leak Included Included
The cold water storage tank is leaking uncontrollably Included Included
Your toilet isn't flushing or is blocked and is the only toilet available Included Included
There is a blocked or overflowing drain within the boundary of your property Included Included
The kitchen sink is blocked and you don't have another sink available Included Included
The overflow pipe has water flowing out of it but all your facilities are working Not included Included
Your toilet cistern is constantly refilling Not included Included
You have a drip under the sink when water drains Not included Included
Your toilet isn't flushing or is blocked although you have another toilet available Not included Included
Internal domestic gas supply and water supplyHome Emergency ResponseHome Response Plus
You have found a gas leak between your meter and an appliance (for your safety please call the National Grid before calling us) Included Included
Failure or damage to a water supply pipe is causing flooding or loss of water to your home Included Included
Wasps and hornetsHome Emergency ResponseHome Response Plus
You have an active wasps nest in your loft Included Included
Internal electricsHome Emergency ResponseHome Response Plus
You have no power to the entire property Included Included
All electrics are tripping in your home and you're continually re-setting the fuse board to maintain the electrical supply Included Included
No lights are working in your home but sockets are all working ok Not included Included
Plug sockets in the kitchen are not working Not included Included
Your upstairs lights are not working but your downstairs lights are Not included Included
SecurityHome Emergency ResponseHome Response Plus
Keys and locks
The lock on your front door has broken and you cannot secure your property Included Included
You have lost your keys and the only other set are inside your property Included Included
Your key has broken in the lock for a door to your house but you can gain access through another door Not included Included
Windows
One of your windows is cracked or has been smashed causing your home to be insecure Included Included
 

Common home situations we cannot help you with

  • Emergencies arising from a situation you knew about before (or within 14 days of) cover start date
  • If you or someone else has tried to make a repair, but has only made matters worse, we will not cover you for extra costs you may face. Our advice: call us first!
  • Dripping taps or showers
  • Problems relating to internal doors
  • If you live in a property with shared facilities such as a flat for example, we cannot help with problems that relate to plumbing, drainage, electrics, doors or windows that are shared
  • Problems relating to faulty appliances
  • Problems that are home improvements and not repairs, e.g. installation of a new boiler
  • Removal of other pests e.g. rats, mice and fleas

Terms and conditions

If you want to know more before you buy, the Terms and Conditions Booklet provides full details of what's included and excluded from the cover.

Home Membership Terms and Conditions Booklet

The booklet sets out full terms and conditions for:

  • Home Emergency Response
  • Home Response Plus
  • Central Heating Emergency Response
  • Central Heating Response Plus

Policies starting from 4 July 2014 or renewed from 1 August 2014 onwards

Home Membership Terms and Conditions Booklet (July 2014)


Previous policy booklets

Please refer to the following booklets for policies starting or renewed between the dates shown.

7 April 2014 to 3 July 2014 (renewal date 7 April 2014 to 31 July 2014)

Home Membership Terms and Conditions Booklet (April 2014)

16 December 2013 to 6 April 2014 (renewal date 26 January 2014 to 6 April 2014)

Home Membership Terms and Conditions Booklet (December 2013)

25 September 2013 to 15 December 2013 (renewal date 8 November 2013 to 25 January 2014)

Home Membership Terms and Conditions Booklet (September 2013)

1 September 2013 to 24 September 2013

Home Emergency Response Policy Booklet (September 2013)

7 July 2013 to 31 August 2013

Home Emergency Response Policy Booklet (July 2013)

10 April 2013 to 6 July 2013

Home Emergency Response Policy Booklet (April 2013)


About AA Insurance Services Limited

Please read this PDF summarising the services we offer.

About AA Insurance Services Limited

Updated March 2014


Frequently asked questions

Answers to common queries about Home Membership

Helplines

Do you have a home emergency or need assistance?

If you have Home Membership call our emergency helpline:
0800 316 3983
Lines are open 24 hours – please have your Home Membership number and your postcode handy. We'll send a tradesman to your home as soon as possible.

For any queries about your Home Membership policy or to amend your cover call:
0800 197 4676

Or if you want to get a quote for Home Membership:
0800 107 1031
Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm

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I have no cover, can you help?

I don't have cover, can you send a tradesman if I have an emergency now?

Yes. If you have an emergency at home right now, call 0800 197 4184 to get help straight away.

We'll tell you how much it will cost to fix the problem and will send a tradesman as soon as possible.

While you're on the phone we can also also arrange cover for future emergencies or routine repairs over the next 12 months.

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Home Membership assistance

How many days do I have to wait before I can get Home Membership assistance?

You can get assistance from the 15th day after the start date of your Home Membership cover. This only applies at the start of your policy and not when you renew your cover.

You're not covered for problems that you knew about when you bought the cover or problems that happen before the 15th day of your cover.

How many times can I call for assistance?

You can call for assistance as many times as you need to, there is no limit on the number of call-outs.

Do you cover parts and labour for emergency repairs?

Unlimited call-out, labour, parts, materials and VAT costs are covered for all Home Membership cover options.

Are there any excesses to pay if I make a claim?

For most customers an excess is optional. You can choose a £50 excess, a £99 excess or no excess at all. If you choose an excess, this is payable for each call-out you make.

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What's covered? What isn't?

What emergencies and routine repairs are covered? What's excluded from your cover?

Our comparison tables show at a glance what's covered around the home and what's covered for central heating:

Compare home cover | Compare central heating cover

You'll find full cover details in the Home Membership Terms & Conditions Booklet.

Is there anything that isn't covered for flats?

You're not covered for the shared bits of flats or maisonettes with shared facilities, so the following types of claim are not included:

  • Plumbing claims relating to sections of shared pipe
  • Drainage claims where a shared pipe is blocked
  • Claims for keys, locks and glazing in shared communal areas
  • Water supply pipes are not covered for flats or maisonettes

Central Heating Emergency Response and Central Heating Response Plus cover is the same for flats as for a house or any other eligible property.

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Moving house

What happens to my cover if I move house?

You can change the address for your Home Membership as long as we are able to insure your new home. Call us on 0800 107 1031 to let us know about your change of address.

If you move and have central heating cover we'll inspect your central heating system to make sure that we are able to support it and that it is in good working order.

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Tenants and landlords

I am a tenant, can I take out Home Membership?

Yes, you can. Usually a landlord takes care of emergency repairs, but you can get cover if you rent property from a private landlord. You'll be asked to confirm that your landlord is happy for us to carry out work at their property when you make a claim.

We are unable to cover social or housing association tenants.

Please call us on 0800 197 4180 to buy cover for the property you're renting.

I am a landlord. Can I take out Home Membership?

Yes. Home Membership is available for your home and if you have up to two rental properties we can cover those too.

You may give your tenants permission to contact us for assistance. If you give your tenant permission to call us on your behalf you should give them the Home Membership number to quote when they call.

How many properties does a Home Membership cover?

One. Each property requires its own Home Membership.

Does Home Membership include a Gas Safety record?

No. A Gas Safety Record (CP12) should be obtained via an annual check, completed by a Gas Safe registered engineer.

What are my legal duties in relation to gas safety as a landlord?

As a landlord, you should ensure gas appliances are serviced in accordance with the manufacturer's instructions. If these are not available, it is recommended that they are serviced annually, unless advised otherwise, by a Gas Safe registered engineer.

Annual safety checks should be carried out on each gas appliance and flue. Before any new lease starts, make sure that these annual checks have been made within one year before the start of the lease.

All installation, maintenance and safety checks must be carried out by a Gas Safe registered engineer, and a record of each safety check kept for at least two years.

Copies of the latest safety check record (CP12) should be given to existing tenants within 28 days of the check being completed, or, to new tenants before they move in.

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Gas boiler and central heating cover

What types of gas boiler do you cover?

Both heating options cover domestic gas boilers of any age as long as essential working parts are readily available.

Cover is not available for:

  • Gas boilers with an output over 70 kw
  • Wood, solid fuel, electric or oil fired boilers
  • Warm air and solar heating systems


How do I find out the output of my boiler?

You should be able to find this in the manual the manufacturer gave you. If you can't find it or haven't got the manual, please contact the manufacturer to check.

Is my boiler covered in the summer?

Yes, you get boiler cover for a full 12 month period without any exceptions.

How many boiler breakdown claims can I make?

Central Heating Emergency Response and Central Heating Response Plus both allow you to make as many claims as you need to for a boiler breakdown, where you have no heating and/or hot water.

What's the difference between Central Heating Emergency Response and Central Heating Response Plus?

Central Heating Emergency Response provides cover for emergency repairs following a sudden and unexpected failure of your central heating or gas boiler which leaves you without hot water, heating or both.

Central Heating Response Plus provides the same emergency cover as Central Heating Response Plus but also gives you cover for routine heating repairs, like a faulty radiator or you boiler not starting at the programmed time. It also includes a boiler inspection and annual service.

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Annual boiler service

How do I arrange a boiler service?

Within 42 days of your cover start we'll carry out an inspection of your boiler and central heating system. Our usual servicing hours are 9am to 5pm Monday to Friday, but we may be able to offer weekend and evening appointments during the summer.

Can I move my boiler service to a different date?

Yes, if you give us more than 24 hours notice, you can rearrange the appointment without charge. Please call us on 0800 316 3983.

If you rearrange the appointment within 24 hours of the appointment we may charge an attendance fee.

Will I get a boiler safety certificate?

If your boiler passes the safety inspection we'll give you details of the work completed and any important information about your specific make and model.

What happens if my boiler fails the safety inspection?

If your system fails the inspection you'll need to pay for any work that needs to be done before we can support your system. We'll give you an itemised quote and if you want to go ahead with the work we'll arrange a convenient appointment to complete the work.

You also have the option of getting the problem fixed by your own engineer, but any work should be completed within 14 days of the inspection.

If you decide you would prefer not to get the work done we'll give you a refund for you cover less the cost of the inspection.

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Hear what people say about their Home Membership.

What our customers say

Boiler is fixed!! Yay for AA Home Membership!!!!!
Lauren Shannon, Twitter

Carry on doing what you are doing!
Goran Tresic, London

I would like to thank you for an excellent service. I was very impressed. As an older person I panic when things go wrong, and your team – from telephone call to your plumber coming out to the house – was just marvellous. Paul Aiken was the plumber – just excellent.
Joan Stansfield, Bakewell

Very pleased with the service, no problems at all, very impressed with the AA as a company.
Angela Farnham-Smith, Worthing

Very happy with the service received.
Mr B Manderson, South Yorkshire

Learn how to protect your home

Home emergency advice

Even if your home is covered against emergencies, it's still worth thinking about how you can avoid any unnecessary hassle and stress.

We've put together some home advice to help you prevent some of the most common problems that might affect your home:

Member benefits

Benefits for AA members

 

Enjoy exclusive discounts and access to once-in-a-lifetime events

More about member benefits

Already an AA member?

Get a discount on Home Membership today

Members can save money with our exclusive discounts and offers, and you can save even more when you add Home Membership cover for your home and central heating.

Choose emergency cover for your home and/or central heating or get cover for emergencies plus routine repairs.

  • Home Emergency Response (with £50 excess) – only £4.99 a month
  • Home Response Plus (with £50 excess) – only £9.99 a month
  • Central Heating Emergency Response (with £50 excess) – only £8.49 a month
  • Central Heating Response Plus (with £50 excess) – only £15.99 a month

Prices are subject to change. Terms and conditions apply. Price restrictions for some postcodes.

Credit is provided by Automobile Association Insurance Services Limited. Credit Charge £0, 0% representative APR. Credit agreement is for 12 months.

AA Home Membership is underwritten by Acromas Insurance Company Limited (AICL) 57-63 Line Wall Road, Gibraltar. Registered Number 88716 (Gibraltar). UK branch address: Enbrook Park Sandgate, Folkestone CT20 3SE. Acromas Insurance Company is authorised by the Financial Services Commission, Gibraltar and is a member of the Association of British Insurers.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). You can check their register or call the FCA on 0800 111 6768.