Home Insurance

Home Insurance

Get a warm glow. AA Home Insurance includes free breakdown cover*

Why choose AA Car Insurance?

Free breakdown cover

New customers get roadside cover free for a year plus money off breakdown cover upgrades.* You also get member benefits like over 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 £20,000 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
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 £20,000 £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 Home Insurance

Policies starting from 31 August 2014 or renewed from 1 October 2014 onwards

Buildings Insurance Policy Booklet (August 2014)

Contents Insurance Policy Booklet (August 2014)

You can find previous policy booklets here


Home Insurance Plus

Policies starting from 17 September 2014

Home Insurance Plus Policy Booklet (September 2014)

Policies starting from 4 July 2014 to 16 September 2014

Home Insurance Plus Policy Booklet (July 2014)

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 Text Relay.


About AA Insurance Services Limited

Please read this PDF summarising the services we offer.

Information about AA Insurance Services Limited

Updated September 2014


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

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.


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.


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.


Will my building society or mortgage lender accept your policy?

Yes. They may need a copy of your home insurance policy documents – we'll provide these free of charge.


Are the contents of my shed or garage covered?

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.


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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About your 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 prove 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 Policy Summary 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 Membership when you buy home insurance online. Home Emergency Cover assistance becomes available when your home insurance policy starts.

Home Membership assistance 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 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 £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

Home Emergency Response

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

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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