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We'll refund up to £25 for buildings cover and £25 for contents cover if your current insurer charges you.
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Protects you against the cost of being sued or having to make a claim against someone else.
** Based on all home new business from AA.com between 1 January 2013 and 28 February 2013.
† AA Rewards saved our members more than £4.9 million in 2012; based on total number of redemptions for 2012, times the amount of average saving for 2012. Please see AA Rewards terms and conditions for all AA and third-party terms and conditions.
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). You can check their register or call the FCA on 0800 111 6768.
The two tables show what's included with AA Buildings Insurance and AA Contents Insurance.
| Buildings insurance cover summary | Included as standard |
|---|---|
| Cover for the structure of your home (including fixtures and fittings) against loss or damage caused by fire, smoke, lightning, explosion, earthquake, storm, flood and theft |  |
| Loss or damage caused by water or oil from a burst, leaking or overflowing pipe or domestic water or heating appliance | |
| Buildings cover – unlimited rebuilding costs for homes worth up to £1 million | |
| 24-hour home emergency cover and helpline | Optional |
| Alternative accommodation costs for you and your pets if your home cannot be lived in following an event covered by your policy | Up to £20,000 |
| Accidental damage cover | Optional |
| Cover for tracing and accessing leaks, and repairing any damage caused to walls, flooring or ceilings during the search for a leak | Up to £5,000 |
| Contents insurance cover summary | Included as standard |
|---|---|
| Cover for your household goods, valuables, personal belongings, furniture, furnishings and domestic appliances against fire, theft, storm, water damage and vandalism | |
| Contents cover | Up to £40,000 (higher levels are available on request) |
| Cost of alternative accommodation if your home cannot be lived in following an event covered by your contents policy | Up to 20% of the sum you have insured |
| New-for-old insurance cover on most items | |
| Legal expense cover including legal helpline and a range of free legal documents | Available as an optional upgrade |
| Accidental damage cover for televisions, desktop computers, cookers and other non-portable home entertainment and home electrical and gas equipment | |
| Accidental damage to mirrors, plate glass tops and fixed glass in furniture | |
| Accidental damage cover for household goods, including furniture and furnishings | Available as an optional upgrade |
| Contents in outbuildings or domestic garages | Up to £3,000 |
| Contents in the open (but within the boundaries of your property) | Up to £1,000 |
| Garden cover for loss or damage to hedges, lawns, trees, shrubs and plants that you own | Up to £250 |
| Money in your home | Up to £500 |
| Fraudulent use of credit cards | Up to £500 |
| Fridge/freezer contents | Up to £500 |
| Loss of metered water/oil following accidental damage to the water or heating installation in your home | Up to £1,000 |
| Valuables or personal belongings such as jewellery, watches, works of art and clothing | Limit of £1,500 per item (individual items worth more than £1,500 can be covered if specified on your policy) |
| Away from home cover against loss or damage to valuables and personal belongings | Available as an optional upgrade Up to £15,000 cover available |
| Away from home cover against loss or damage to valuables and personal belongings worth over £1,500 | Available as an optional upgrade |
| Religious festival increase (increase for 30 days before and after the festival) | 20% of the sum you have insured |
| Wedding and civil ceremony increase (increase for 30 days before and after the ceremony) | 20% of the sum you have insured |
| Birth increase (increase for 30 days before and after the birth of your child) | 20% of the sum you have insured |
If you need more information before you buy, the policy documents have full details of AA Home Insurance cover.
The policy booklets contain full terms and conditions for buildings insurance and contents insurance cover and include the policy summary, which outlines the main features and limits of the cover.
Policies starting or renewed from 6 April 2013
Buildings Insurance Policy Booklet (April 2013)
Contents Insurance Policy Booklet (April 2013)
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 Text Relay.
Please refer to following policy booklets for policies starting or renewed between the dates shown.
1 November 2012 to 5 April 2013
Buildings Insurance Policy Booklet (November 2012)
Contents Insurance Policy Booklet (November 2012)
1 July 2012 to 31 October 2012
Buildings Insurance Policy Booklet (July 2012)
Contents Insurance Policy Booklet (July 2012)
1 March 2012 to 30 June 2012
Buildings Insurance Policy Booklet (March 2012)
Contents Insurance Policy Booklet (March 2012)
1 February 2012 to 29 February 2012
Buildings Insurance Policy Booklet (February 2012)
Contents Insurance Policy Booklet (February 2012)
To find out more about AA Insurance Services, this PDF gives a summary of the services we offer.
Information about AA Insurance Services Limited
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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.
There are some exceptions to 'new for old' cover
For items such as clothing, household linen and pedal cycles, wear and tear is taken into account when a claim is settled.
Any cash settlement may also take into account trade discounts.
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 this amount before buying insurance.
Voluntary excess
The amount you'd be prepared to pay on top of the compulsory amount. The higher you go, the lower your premium.
Can I pay a voluntary excess?
Yes, discounts are available on the price you pay for your insurance if you want to pay an additional voluntary excess on claims you make.
Do I get accidental damage cover automatically?
Our contents insurance includes accidental damage cover to non-portable electrical and gas appliances as standard and can include the rest of your contents for an extra payment.
Accidental damage cover is included for buildings insurance. This cover provides cover against accidental damage to the fabric of your home, eg floors, walls and ceilings.
Will my building society accept your policy?
Yes, they may need a copy of your home insurance policy documents, we'll provide these free of charge.
Will you pay any administration fees if I move away from my building society?
Yes. We'll refund up to £25 for buildings insurance and £25 for contents insurance as long as you can prove you've paid the administration fees.
Back to topHow do I make a home insurance claim?
Phone the number shown on your Policy Schedule 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.
Am I insured right away?
You'll be insured as soon as your payment has gone through if you buy your home insurance policy online or on the phone using a debit or credit card.
Are the contents of my shed or garage covered?
Yes, anything that's in your outbuildings is insured up to a total of £3,000.
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.
Back to topCan 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.
How secure is my online payment?
You want your personal details and credit or debit card information to be private and secure. We are committed to providing this security for you.
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.
Get extra cover for your home
For complete peace of mind, you can add extra protection when you get a home insurance quote.
Provides up to £50,000 cover for legal expenses, giving you protection against the cost of being sued or making a claim against someone.
Plus you'll have access to a range of free legal documents – including a free online will, checked by a qualified lawyer and worth up to £99.99.
Legal expenses information and policy documents
We'll pay up to £250 (including VAT) for call out, labour, parts and materials to cover an emergency service following an insured event.
Home emergency cover information and policy documents
Provides greater protection against household emergencies than our basic Home Emergency Cover, with up to £2,000 cover for call out, labour, parts and materials.
You can also add protection for your gas central heating.
Home Emergency Response information and policy documents
Add accidental damage or loss cover for household goods, including furniture and furnishings.
Add accidental damage and away from home cover for valuables and personal belongings.
Buildings accidental damage cover gives you accident cover for the fabric of your home eg floors, ceilings and pipes. Covers accidents like putting your foot through a ceiling.
Learn more about home insurance
Find out how to get a better deal on your home insurance and get some tips on looking after your home.
Even if your home is insured, 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:
Enjoy exclusive discounts and access to once-in-a-lifetime events
Find out more about AA Rewards
Discount is only available to AA eligible customers when they become new AA Home Insurance customers, and is only applicable for the first year of the policy.
Discount is not available retrospectively or for specialist schemes.
Discount is not available in conjunction with any other discount, promotion or offer.
Offer can be withdrawn or varied at any time. First year introductory prices apply for all new customers. Advertisement does not cover specialist schemes.
Calls may be monitored and recorded for quality assurance and compliance. Lines are open Monday to Friday 8am to 10pm (Tuesday 8am to 8pm), Saturday 8:30am to 7pm, Sunday 9am to 7pm. Automobile Association Insurance Services Limited is an insurance intermediary authorised and regulated by the Financial Services Authority. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered number 2414212.
0800 197 6169
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