Help with Home Insurance
Assistance with getting a quote online
You and Your Home
Full-time occupation (or part-time job)
For full-time occupation enter the closest description of your job, eg electrician.
If you are not working full-time, or only work part-time, please enter one of the following descriptions for full-time occupation: retired, unemployed, student, independent means, housewife or house husband.
If you work part-time, please enter the closest description of your job in the part-time job box.
If you have any difficulties or you have an unusual occupation, please call us on 0800 197 6172.
Type of business
Please enter a close description of what the business you work for does. For example, if you're an accountant for a breakdown cover firm, enter 'breakdown cover'.
Type of property
Please select the closest description of your home. If the type of property is not listed, please choose the closest description, or if you are unsure, please call us on 0800 197 6172.
Flats/maisonettes
If you want a quote for buildings insurance, we suggest that you check to see if all the flats in your building are covered – not just your own individual flat. If there's no joint or block policy currently in force then you should try to arrange one.
In the meantime you'll need insurance cover and we're happy to provide a quotation in your own name until a joint or block policy can be arranged.
Neighbourhood Watch scheme
Select 'yes' if you belong to a police-approved Neighbourhood Watch scheme.
NACOSS/NSI/SSAIB alarm
The intruder alarm in your home is approved, inspected and serviced annually through a service contract with a National Approval Council of Security Systems (NACOSS), NSI (National Security Inspectorate) or Security Systems & Alarm Inspection Board (SSAIB) supplier.
If the alarm breaks down, you must:
- tell the alarm company immediately
- arrange for repair work to begin as soon as possible
- tell us, and
- take any action we suggest to protect your property
Minimum security
Here is a full definition of the type of locks you should have installed on all exit doors and accessible windows. If any doors and/or windows fail to meet these standards you will need to answer 'no' to the relevant questions. If you do not have patio doors or french windows, please click 'Not applicable'.
Windows, fanlights and rooflights
All windows, fanlights and rooflights that can be accessed without the use of a ladder, and that can be opened, should be fitted with key-operated window locks.
Final exit door (main entrance door)
Should be fitted with a mortice deadlock of at least five levers or rim deadlock conforming to British Standard BS 3621. If Aluminium/UPVC construction then fitted with a multi-point locking system which incorporates a lever or cylinder deadlock, capable of being secured by a key from both sides.
Other single external doors (includes access door)
Should be fitted with either:
- a mortice deadlock of at least five levers conforming to BS 3621
- or rim deadlock conforming to BS 3621
- or key-operated lock with bolt top and bottom
- for solid doors, bolts should be at least 10 inches in length
- for glass-panelled doors, key-operated mortice rack bolts should be fitted
- for Aluminium/UPVC construction then fitted with a multi-point locking system which incorporates a lever or cylinder deadlock, capable of being secured by a key from both sides.
Mortice deadlock
Rim deadlock
Five-lever mortice key
10 inch bolt for solid doors
Key-operated mortice rack bolt
Patio doors
Should be fitted with either a key-operated patio door lock at the top and bottom of each sliding door in addition to the manufacturer's integral lock or a multi-point locking system which incorporates a lever or cylinder deadlock, capable of being secured by a key from both sides.
Double doors (french doors or windows)
Should be fitted with key-operated locks and key-operated mortice rack bolts at the top and bottom of both leaves.
Claim or incident free
Click the Add claims button if you've made any claims, or suffered any loss or damage, whether or not it was subject to an insurance claim in the last five years. We allow a maximum of three claims in the last five years. If you have claimed more than three times in the past five years, we're unable to provide you with cover.
Your quote
Information about our buildings and contents policies and the optional extra cover we offer.
Level of contents cover
You can adjust the level of standard contents cover to ensure that you have adequate cover for replacing the contents of your home.
Standard contents cover includes cover for unspecified valuables and personal belongings with an individual value of £1,500 or less. The amount of cover for these unspecified valuables and personal belongings depends on the total amount of contents cover selected, as follows:
| Total value of contents cover | Total limit for unspecified valuables and personal belongings (the upper limit for a single unspecified item is £1,500) |
| £40,000 | £7,500 |
| £50,000 | £10,000 |
| £75,000 | £15,000 |
Single items worth more than £1,500
Individual valuables and personal belongings worth more than £1,500 should be listed on your policy to ensure they are covered. Click the add single items button to add items.
The value of any single items which you list on your policy will be added to the total available for unspecified valuables and personal belongings to give you a total amount of cover for valuables and personal belongings.
The total amount of cover for valuables and personal belongings will be included in the total value of your contents cover. For example, if the cost of replacing all of your contents is £40,000 and you specify a single item worth £2,000, the value of your single item will be added to the £7,500 available for unspecified valuables to give you a total of £9,500 cover for your valuables.
Voluntary excess
The excess is the amount you pay towards the cost of any claim for loss from or damage to your house. Insurers may offer you a discount on your insurance policy premium if you agree to pay towards the cost of any claim for loss from or damage to your house.
Most insurers specify a compulsory amount, but you could reduce your premiums by opting to pay an additional voluntary excess. So when your claim is settled by your insurer you would have to pay the combined compulsory and voluntary excess. The higher the voluntary excess you select, the lower your premium could be.
Here's an example
Bill for damage repairs £450
Insurer's compulsory excess £50
Your voluntary excess £50
Total amount payable by you £100
Total amount payable by insurer £350
Additional accidental damage cover for household goods
For an addition to your premium you can extend your cover to include accidental damage cover for household goods, like furniture and furnishings.
After selecting accidental damage, click the recalculate button to see your updated premium.
Standard contents insurance cover already provides for accidental damage to the following:
- Domestic electrical or gas equipment or appliances which are not designed to be portable
- Satellite dishes and aerials
- Mirrors, plate glass tops to furniture and fixed glass in furniture
- Ceramic hobs or tops on free-standing cookers
Accidental damage and away from home cover
Cover for valuables and personal belongings worth under £1,500. Protect your valuables and personal belongings against accidental loss or damage anywhere in the world while they are in your custody or control.
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 or computer equipment (which does not include any equipment which can only be used when connected to mains electricity), mobile phones, microscopes, telescopes, binoculars, portable musical instruments, pictures and other works of art, collections or sets of stamps, coins or medals.
Personal belongings include clothing (including items of leather and sheepskin) and personal items designed to be worn, used or carried.
There is an extra charge for this cover. You can add this to your premium by selecting accidental damage and away from home cover and then selecting the level of cover you need (up to £15,000). After selecting your level of cover, click the recalculate button to update your premium.
Builidings cover
Buildings insurance cover summary
Contents cover
Contents insurance cover summary
Confirm and buy
Information and guidance on filling out payment details and direct debit instructions.
Payment options
Please choose your preferred payment method. If you choose to pay by instalments, there will be an initial deposit. The balance may then be split into four or more (usually 11) months.
If you're an existing AA instalment account holder, your current payment will be adjusted.
For your information, the collection will be made using Originator's Identification Number 922791. Credit is provided subject to status and by Automobile Association Insurance Services Limited, PO Box 669, Cardiff CF10 5ZB.
24.9% APR (typical). You must be 18 or over.
Bank/building society sort code
Enter the bank/building society sort code of the account from which you wish the monthly instalments to be debited. This is the six-digit number that is normally shown in the format 99-99-99.
Bank/building society account number
Enter the bank/building society account number for the account from which you want the monthly instalments to be debited. This number should appear on your bank card or on bank statements. Please use an account that allows you to set up direct debit instructions.
Bank/building society account name
Enter your bank/building society account name. This is a free-format field with a maximum of 18 characters with spaces. Please do not use numbers. If your account name is more than 18 characters, please call us on 0800 197 6172.