Home insurance

Half of our customers pay £115 or less for their home insurance*

* Survey of all new sales by the web and phone September 2013 to February 2014 (standard cover only).

Defaqto 5 star rating

 

AA Home Insurance has been awarded a 5 star rating from Defaqto.

 

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

Why AA Home Insurance?

Awarded a 5 star rating by Defaqto, you can be sure our home insurance provides great quality cover. Here are some of the excellent features:

  • 70% of home insurance customers can save over 20% online**
  • Automatic new-for-old cover for your home contents
  • Unlimited rebuilding costs for homes with a market value of up to £1 million
  • AA Rewards – discounts on a host of motoring, travel, food, and home and lifestyle products

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.

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** Based on all home new business quotes by the web and phone, 1 January 2014 to 28 February 2014.

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.

Find out what's covered

The two tables show what's included with AA Buildings Insurance and AA Contents Insurance.

Policy features and benefits for buildings 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 Included for buildings insurance
Loss or damage caused by water or oil from a burst, leaking or overflowing pipe or domestic water or heating appliance Included for buildings insurance
Buildings cover – unlimited rebuilding costs for homes worth up to £1 million Included for buildings insurance
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 Included for buildings insurance
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 Included for buildings insurance
Up to £5,000
Policy features and benefits for contents insurance
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 Included for contents insurance
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 Included for contents insurance
Up to 20% of the sum you have insured
New-for-old insurance cover on all items Included for contents insurance
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 Included for contents insurance
Accidental damage to mirrors, plate glass tops and fixed glass in furniture Included for contents insurance
Accidental damage cover for household goods, including furniture and furnishings Available as an optional upgrade
Contents in outbuildings or domestic garages Included for contents insurance
Up to £3,000
Contents in the open (but within the boundaries of your property) Included for contents insurance
Up to £1,000
Garden cover for loss or damage to hedges, lawns, trees, shrubs and plants that you own Included for contents insurance
Up to £1,000
Money in your home Included for contents insurance
Up to £750
Fraudulent use of credit cards Included for contents insurance
Up to £500
Fridge/freezer contents Included for contents insurance
Up to £500
Loss of metered water/oil following accidental damage to the water or heating installation in your home Included for contents insurance
Up to £2,500
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) Included for contents insurance
20% of the sum you have insured
Wedding and civil ceremony increase (increase for 30 days before and after the ceremony) Included for contents insurance
20% of the sum you have insured
Birth increase (increase for 30 days before and after the birth of your child) Included for contents insurance
20% of the sum you have insured
Anniversary and birthday increase (increase for 30 days before and after the date) Included for contents insurance
20% of the sum you have insured

Home insurance policy documents

If you need more information before you buy, the policy documents have full details of AA Home Insurance cover.

Policy booklets

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 March 2014 onwards

Buildings Insurance Policy Booklet (March 2014)

Contents Insurance Policy Booklet (March 2014)

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.


Previous policy booklets

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

1 September 2013 to 5 March 2014 (renewed from 2 September 2013 to 5 March 2014)

Buildings Insurance Policy Booklet (September 2013)

Contents Insurance Policy Booklet (September 2013)

6 April 2013 to 31 August 2013 (renewed until 1 September 2013)

Buildings Insurance Policy Booklet (April 2013)

Contents Insurance Policy Booklet (April 2013)

1 November 2012 to 5 April 2013

Buildings Insurance Policy Booklet (November 2012)

Contents Insurance Policy Booklet (November 2012)


About AA Insurance Services Limited

Please read this PDF summarising the services we offer.

Information about AA Insurance Services Limited

Updated April 2014


Already have an AA Home Insurance policy?

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Information and policy documents for additional extras

Legal expenses cover

Home emergency cover

Frequently asked questions

Answers to common queries about AA 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 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.

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About your home insurance cover

How 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.

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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?

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.

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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 home insurance quote.

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. 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.

 

Or download our free app

Download the AA Contents Calculator app

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:


Call our UK call centre

 

0800 197 6169

 

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