Help With Home Insurance
Important information about your cover
You and your home
Help with entering details about you and your home.
Full-time occupation (or part-time job)
For full-time occupation enter the closest description of your job, eg electrician or project manager. We will then compare your entry with our database. You may be asked to choose the closest match. Take care when spelling as this may prevent us from matching your occupation.
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 househusband.
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 a particularly unusual occupation, please feel free to call us on 0800 197 6172.
Type of business
Please enter the closest description of the company you work for. Eg if you're an accountant for a breakdown cover firm, enter 'breakdown cover'. Avoid using special characters and numbers as we may not be able to match those to our database listings. Where we find more than one match for the type of business, you may be asked to choose the closest match.
Type of property
Please select the closest description of your home from the menu. 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 which 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.
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
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 key-operated patio door lock at the top and bottom of each sliding door in addition to the manufacturer's integral lock.
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.
High value
Individual valuables and personal possessions that are over £1500 in value need to be disclosed. Click the 'Amend details' button to add 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 (illustrative only)
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
Accidental damage cover for household goods
For Contents Insurance we can provide additional 'Accidental Damage' cover for:
- Accidental loss or damage to household goods, including furniture and furnishings;
This would be in addition to the cover automatically provided as standard and you would have to pay an extra premium for this extended cover.
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
Worldwide accidental damage cover
For valuables and personal belongings worth less than £1,500
For contents cover we can provide additional cover for:
- Loss or damage to valuables and personal belongings away from your home;
This insures valuables and personal belongings which belong to you or which you
- are responsible for under a hiring or legal agreement
- have in your custody and are legally liable for
and provides cover for accidental loss or accidental damage in addition to the cover under Standard Contents anywhere in the world 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 (this does not include valuables or money).
Worldwide cover for valuables and personal belongings worth over £1,500
We can provide 'away from home' cover for an extra charge, which will be added to your quoted premium when you select worldwide cover for a single item.
Buildings cover
- Full replacement cost or repair
- Full cover for Accidental Damage (eg putting your foot through the ceiling from the loft)
- Alternative accommodation if house uninhabitable due to an insured peril – up to £10,000
- Architects, surveyors and legal fees
- Following loss or damage from an insured peril, costs associated with complying with statutory building regulations
- Up to 90 days cover on both properties when moving house (certain restrictions apply)
- Property owners third party liability properties previously owned up to £2 million
- Legal liability for properties previously owned – up to £2 million
- Legal Helpline
- Disaster Helpline
- Home Emergency Cover that will cover the cost of emergency repairs in a variety of specified situations
You would have to pay an extra premium for this cover.
Contents cover
- New for old basis
- Accidental Damage – television, video, audio and desktop computer equipment whilst in the home
- Accidental Damage – other non-portable electrical/gas appliances (eg microwave)
- Items in course of professional removal
- Furniture in storage for up to 14 days, during course of removal
- Contents normally in the open, within the property's boundaries (excluding storm or flood damage) – up to £500
- Items temporarily removed from the home – up to £5,000
- Freezer contents – up to £500
- Alternative accommodation if house becomes uninhabitable due to an insured peril – up to total of 20% of maximum sum insured
- Legal Helpline
- Disaster Helpline
- Replacement door and window locks plus alarms/safes following loss or theft of keys – up to £250
- Money – up to £300
- Credit Cards – up to £500
- Guests' personal effects – up to £250
- Christmas Seasonal Increases – 10% increase in insured value (1 Dec–6 Jan)
- Weddings Increase – 10% increase in insured value (one month prior to and after)
- Personal liability, in and out of home – up to £2 million
- Domestic employees liability – up to £5,000,000
- Occupiers' liability, ie damage to a third party in and around the home – up to £2 million
- Unsatisfied damages (in the event of policyholder being awarded damages but where third party cannot pay) – up to £100,000
- Legal expenses cover – up to £25,000
- Loss of heating oil – up to £750
- Loss of metered water – up to £750
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 eighteen characters with spaces. Please do not use numbers. If your account name is more than 18 characters, please call us on 0800 197 6172.