AA Home Insurance

Home insurance that gives you more

Why choose AA Home Insurance?

Free breakdown cover

New customers get AA roadside cover free for a year, plus money off breakdown cover upgrades.* You also get member benefits, which include more than 50% off your next MOT.

Our standard home insurance gives you an excellent level of benefits, and the flexibility to add the extra cover that you need.

  • Insured value of contents up to £75,000
  • Unlimited rebuilding costs for homes with a market value of up to £1 million
  • Automatic new-for-old cover for your home contents
  • Our buildings insurance provides £25,000 for alternative accommodation costs – if your property cannot be lived in due to an insured event
  • Theft from garages or outbuildings covered up to £3,000
  • Covered up to £1,000 for breaking into an underground pipe between your home and the main sewer, for which you are legally responsible, and repairing a blockage
5 Star Rating from Defaqto

Defaqto is an independent, financial research company that specialises in rating, comparing and analysing financial products.

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Worried about the cost of switching home insurance?

We'll refund up to £25 for buildings cover and £25 for contents cover if your current insurer charges you.


* Roadside Breakdown Cover is available at no extra cost for 12 months. Breakdown Cover will be renewed automatically, unless you ask us not to. See the full Roadside offer 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.

Compare our levels of cover

With AA Home Insurance you get excellent standard benefits, and you can add the extra cover that you need. Home Insurance Plus offers higher levels of cover, and comes with accidental damage and many more benefits.

Buildings insurance Home Insurance Home Insurance Plus
Insured value of buildings – rebuilding costs Up to £1m market value Unlimited
Accidental damage Optional Included
Home emergencies – help from an approved tradesperson, with no call-out, labour or parts costs Optional Included
Alternative accommodation costs for you and your pets – if your property cannot be lived in following an event covered by your policy £25,000 £50,000
Cover for matching sets – such as kitchen cabinets, bathroom suites and wooden flooring Not included Included
Cover to trace and access water and oil leaks, and repairing any damage caused during the process £5,000 £10,000
Replacement locks and keys – if your keys are lost or stolen anywhere in the world £1,000 Unlimited

 

Contents insurance Home Insurance Home Insurance Plus
Insured value of contents £40k to £75k Unlimited
Accidental damage Optional Included
Home Legal Expenses cover – includes a range of free legal documents, and legal advice up to £50,000 Optional Included
Cover for valuables and personal belongings against accidental loss or damage anywhere in the world Optional Up to £5,000
(can be increased)
Single item limit of valuables and personal belongings (items worth more can be specified) £1,500 £5,000
Alternative accommodation costs for you and your pets – if your property cannot be lived in following an event covered by your policy Up to 20%
of the insured value
Up to £50,000
Students possessions – cover for the belongings of your family while they're at university or college Not included £3,000
Home office – your business equipment £5,000 £10,000
New for old – we'll replace items without applying a depreciation to their value Included Included
Theft from garages or outbuildings £3,000 £7,500
Replacement locks and keys – if your keys are lost or stolen anywhere in the world £1,000 Unlimited
Fridge and freezer – for spoiled food £500 £1,000
Garden plants – if your hedges, lawns, trees, shrubs and plants are damaged £1,000 £1,000

 

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Home insurance policy booklets

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 starting from 12 May 2015 or renewed from 9 June 2015 onwards

Buildings Insurance Policy Booklet (May 2015)

AA Contents Insurance

Policies starting from 15 April 2015 or renewed from 13 May 2015 onwards

Contents Insurance Policy Booklet (April 2015)

You can find previous policy booklets here


Home Insurance Plus

Policies starting from 15 April 2015 or renewed from 13 May 2015 onwards

Home Insurance Plus Policy Booklet (April 2015)

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?

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AA Home Insurance optional extras

Legal Expenses cover

Home Emergency Cover


Frequently asked questions

Answers to common queries about home insurance

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 policy documents.

If you don't have a My AA Account we can provide them 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.

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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.

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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.


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.

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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.

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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.

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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.


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.


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.


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.

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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.

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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.

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Get extra cover for your home

Optional extras

For complete peace of mind, you can add extra protection when you get a quote for our standard home insurance.

Legal Expenses Cover

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

Home Emergency Cover

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 is no limit on call-outs.
Home emergency cover information and policy documents

Home Emergency Response

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.
Home Emergency Response information and policy documents

Contents insurance

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 insurance

Buildings accidental damage cover gives you accident cover for the fabric of your home, eg floors, ceilings and pipes. It covers accidents like putting your foot through a ceiling.

Home contents calculator

If you're not sure of the value of
your home contents, use our home contents calculator to work out how much cover you need.

Home insurance advice

Find out how to get a better deal on your home insurance and get some tips on looking after your home.

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:


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