If you have a breakdown on the road you would call the AA, but did you know we fix breakdowns in the home too? With AA home emergency cover all it takes is one call and we'll send a tradesman to your rescue.
When your burst pipe has ruined your carpet, your home insurance usually covers the cost of damage – however the AA's home emergency cover means we will stop the leak and replace parts as required.
We offer the prompt, trustworthy help for home emergencies that you would expect from the AA.
Our home emergency cover is part of our Home Membership range of products. Over 1,000,000 homes already benefit from the reassurance that the 4th Emergency Service will help with their home breakdowns.
* Credit supplied by Automobile Association Insurance Services Ltd. You must be over 18.
Representative example: Home Emergency Response (£0.00 excess) – £7.99 a month + deposit; cash price/total payable £95.88; total credit £87.89; credit charge £0.00; 0.0% APR representative. Credit agreement duration 12 months.
** AA members can save 22% when they buy Home Emergency Response with a £99 excess. Members pay £41.88 and non-members pay £53.88 a year for this option.
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.
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 drains||Home Emergency Response||Home Response Plus|
|You have a burst pipe and water is pouring through your ceiling|
|You've had a DIY incident and have accidentally made a hole in an internal water pipe causing a leak|
|The cold water storage tank is leaking uncontrollably|
|Your toilet isn't flushing or is blocked and is the only toilet available|
|There is a blocked or overflowing drain within the boundary of your property|
|The kitchen sink is blocked and you don't have another sink available|
|The overflow pipe has water flowing out of it but all your facilities are working|
|Your toilet cistern is constantly refilling|
|You have a drip under the sink when water drains|
|Your toilet isn't flushing or is blocked although you have another toilet available|
|Internal domestic gas supply and water supply||Home Emergency Response||Home 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)|
|Failure or damage to a water supply pipe is causing flooding or loss of water to your home|
|Wasps and hornets||Home Emergency Response||Home Response Plus|
|You have an active wasps nest in your loft|
|Internal electrics||Home Emergency Response||Home Response Plus|
|You have no power to the entire property|
|All electrics are tripping in your home and you're continually re-setting the fuse board to maintain the electrical supply|
|No lights are working in your home but sockets are all working ok|
|Plug sockets in the kitchen are not working|
|Your upstairs lights are not working but your downstairs lights are|
|Security||Home Emergency Response||Home Response Plus|
|Keys and locks|
|The lock on your front door has broken and you cannot secure your property|
|You have lost your keys and the only other set are inside your property|
|Your key has broken in the lock for a door to your house but you can gain access through another door|
|One of your windows is cracked or has been smashed causing your home to be insecure|
If you want to know more before you buy, the Terms and Conditions provide full details of what's included and excluded from the cover.
The booklets set out full terms and conditions for:
Policies starting from 4 July 2014 or renewed from 1 August 2014 onwards
Please refer to the following booklet 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)
If you're an existing customer you may be interested in previous versions of the Terms and Conditions.
Please read this PDF summarising the services we offer.
Updated March 2014
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
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.
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.Back to top
What emergencies and routine repairs are covered? What's excluded from your cover?
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:
Central Heating Emergency Response and Central Heating Response Plus cover is the same for flats as for a house or any other eligible property.Back to top
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.
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.
Hear what people say about their Home Membership.
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
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: