HOME INSURANCE

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You could win a £50 Love2shop voucher
Get a quote online and buy before 6 December, and you'll be entered into our free prize draw*

We'll protect your home with the cover you need

  • Usps white tick
    New for old

    We'll replace items with new ones where available, or give you the cash.1

  • Usps white tick
    What our customers say‡
  • Usps white tick
    You won't be out of a home

    If the worst should happen – fire, flood or subsidence – we'll provide alternative accommodation so your family can stay safe.2

What's included in our home cover packages?

Home Insurance

Our standard insurance comes with good quality benefits

  • Choose contents cover from £40,000 to £100,000
  • Unlimited buildings cover for homes worth up to £1.5 million
  • £45,000 alternative accommodation cover for you, your family and your pets if your property cannot be lived in following an insured event
  • Accidental damage cover is included within your contents cover level for non-portable gas and electric items – such as a TV or washing machine
  • We'll pay up to £5,000 to find a water leak in the home and repair any damage caused by the search
  • New for old – we'll replace items with new ones where available, or give you the cash1

 

Use our calculator to find your level of contents cover
Compare our two types of home insurance

Home Insurance Plus

A higher level of cover with useful extras included

  • Unlimited contents cover
  • Unlimited buildings cover
  • £50,000 alternative accommodation cover for you, your family and your pets if your property can't be lived in following an insured event
  • Accidental damage cover for buildings and contents – such as spilling red wine on a sofa
  • We'll pay up to £10,000 to find a water leak in the home and repair any damage caused by the search
  • New for old – we'll replace items with new ones where available, or give you the cash1
  • Up to £7,500 cover for items stolen from outbuildings or garages
  • In-and-away-from-home cover for valuables worth up to £5,000 – such as a phone or laptop
  • Home Emergency Response – for help with emergencies around the home

 

Call us if you need Home Insurance Plus

0800 197 6169

Monday to Friday 8am to 7pm, Saturday 9am to 5pm.

What isn't covered?

Unfortunately, we can't cover everything, including loss or damage caused by:

  • deterioration, wear and tear, corrosion and rot
  • chewing, scratching, tearing or fouling by pets
  • a storm or flood to gates, hedges or fences

Increase your cover with optional extras

Legal Expenses Cover

Protection against the cost of being sued or making a claim against someone

  • Access to a 24/7 legal helpline
  • Provides up to £100,000 cover for legal expenses
  • Plus you'll have access to a range of free online legal documents – including a free will, checked by a qualified lawyer

We’ll provide cover where it's more likely than not your claim will be successful.

More information and policy documents


Home Emergency Cover

Help in the event of many household emergencies

  • 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's no limit on call-outs

More information and policy documents

FAQs

 

 

Not sure about something?

 


About home insurance

Your home insurance and coronavirus

You can find the latest information on our Frequently Asked Questions page, or get in touch with us using the online chat option.



Who underwrites AA Home Insurance?

We set up and administer your policy from the insurers on our home insurance panel. The name of the underwriter will be shown on your home insurance quotation.



I've seen different AA home insurance products on price comparision websites. Can I get them on this website?

Currently, our AA Silver, AA Gold and AA Platinum levels of home insurance are available exclusively through price comparison websites.



Will my building society or mortgage lender accept your policy?

Yes. Although it's not a legal requirement, the lender may specify having buildings insurance as a condition of your mortgage.

If they do need a copy of your policy documents, they can be found in your online account. It's easy to register if you haven't already done so, and you'll see all your AA policies in one handy place.

If you chose to have the policy documents posted when you initially purchased the insurance, we can provide them again free by email or post.



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.



What about my mobile phone, tablet or laptop?

The contents of your home, including your devices, are covered against insured events such as fire, theft, storm or flood, and they will be replaced as new.

Mobile phones, tablets and laptops are classed as valuables on your contents policy. If any item is worth over £1,500, such as a laptop, you will need to add details of it to ensure it is included on your policy.

You can further insure your mobile devices or laptop with our optional worldwide accidental loss or damage cover. Personal belongings and valuables – each item not exceeding £1,500 – will be covered in the home and anywhere in the world. For example, if you drop a mobile phone on the kitchen floor and damage it, or a laptop is lost or stolen when it's away from home.

If your laptop or mobile device is worth more than £1,500, we can provide optional cover for accidental loss or damage anywhere in the world for specified valuables and personal belongings.

Home Insurance Plus covers unspecified valuables and personal belongings worth up to £5,000 for accidental loss or damage anywhere in the world. Only items worth over £5,000 need to be listed separately.

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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The 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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The 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?

We'll replace any lost, stolen or damaged items with new ones where available, or give you the cash.

If a cash settlement is agreed for any items, it will be limited to the replacement cost to us. The Contents Insurance Policy Booklet has full details.



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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Working from home

Does working from home affect my home insurance?

You're covered for doing clerical work at home, such as using a phone and computer, and you don't need to call us about this. Your policy booklet has more details about your cover.

If work-related visitors come to your home, or you need to register your home as a business address, then do tell us about the change in your circumstances. You can call us on 0370 606 1617.



Am I covered if something happens to my work equipment at home?

If your phone or laptop is provided by your employer, then those items are the responsibility of the employer. They won't be covered under your home contents insurance.

But you should still take care of the equipment, so do check with your company for advice.



What level of cover do I have for my own office equipment?

A standard feature of our contents insurance is up to £5,000 for loss or damage to business equipment, which includes computer equipment (but not laptops), photocopiers and office furniture. The most we'll pay for a single item is £2,000.

Our Home Insurance Plus policy increases the cover for loss or damage to business equipment to £10,000.



What about my personal mobile phone, tablet or laptop?

Personal mobile phones, tablets and laptops are classed as valuables on your contents policy. They're covered against insured events such as fire, theft, storm or flood while they're in your home.

You can further protect your valuables and personal belongings, each one worth up to £1,500, with our optional worldwide accidental loss or damage cover. For example, if you accidentally drop your phone or laptop on the kitchen floor and damage it.

If any valuable or personal belonging is worth over £1,500, you'll need to add details of this item on your policy to ensure it's covered at home. You can then choose whether to specify it for worldwide accidental loss or damage cover.

Home Insurance Plus provides a higher level of cover. Unspecified valuables and personal belongings worth up to £5,000 are automatically covered for accidental loss or damage anywhere in the world. Only items worth over £5,000 need to be listed separately.

Valuables aren't covered if they're kept in a domestic garage or outbuilding.



I've adapted an outbuilding as a home office. Is my business equipment covered there?

Do tell us if you've adapted part of your property as an office, just to make sure you're fully covered.

For contents you're covered for up to £3,000 in total for items stolen from an outbuilding, which must be kept locked when you're not working inside it. This is less than the £5,000 cover for loss of business equipment inside the home. But first check your cover level is still sufficient for the extra equipment, fixtures and fittings.

Valuables, such as laptops, and money are not covered in an outbuilding.

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My payment

Can I spread my payment in monthly instalments?

Yes, you can pay by monthly instalments. When you buy your insurance by monthly instalments an initial deposit is paid by card, then the rest of your payment will be made in 11 monthly instalments by Direct Debit.

The dates of the instalments will be shown in the Credit Agreement sent to you by post – it takes about 5 working days to arrive.

Credit will be provided by Automobile Association Insurance Services Limited, and you must be over 18.



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.



When does my insurance start?

You can buy your insurance up to 60 days before the policy start date.

So when you pay using a debit or credit card, whether online or on the phone, you'll be insured from the chosen start date of the policy.

If you get a home insurance quote online, you can use the reference to retrieve the quote for 28 days, as long as your details are the same. Or if you want to save your quote for longer, up to 60 days, just call our contact centre.



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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Home insurance claims

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 soon can I get assistance for a home emergency?

Standard AA Home Insurance:
You can add Home Emergency Cover when you buy home insurance online. Home Emergency Cover assistance becomes available when your home insurance policy starts.

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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Policy documents

Our home insurance products

The policy documents below relate to our standard home insurance.

If you have AA Silver, Gold or Platinum home insurance, please refer to the policy documents shown when you purchased the policy.

Your AA Silver, Gold or Platinum policy documents are also available in your account, unless you asked for them to be posted.

The policy booklets contain the full terms and conditions, and tell you about the the main features and limits of the cover.


AA Buildings Insurance

Policies purchased from 8 December 2021, or renewed from 8 January 2022 onwards:

Buildings Insurance Policy Booklet

You can find previous policy booklets here

Find out what's insured and what isn't covered in our buildings insurance:



AA Contents Insurance

Policies purchased from 8 December 2021, or renewed from 8 January 2022 onwards:

Contents Insurance Policy Booklet

You can find previous policy booklets here

Find out what's insured and what isn't covered in our contents insurance:



Home Insurance Plus

Policies purchased from 8 December 2021, or renewed from 8 January 2022 onwards:

Home Insurance Plus Policy Booklet

You can find previous policy booklets here

Find out what's insured and what isn't covered in Home Insurance Plus:


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 Relay UK (formerly Next Generation Text).



About AA Insurance Services Limited

Please read this PDF summarising the services we offer:

Information about AA Insurance Services Limited

Updated June 2023.



Already have an AA Home Insurance policy?

Log in to view your home insurance policy



Will my home insurance cover me under the Homes for Ukraine scheme?

If you're participating in the Homes for Ukraine scheme and plan to open your home to people displaced by the conflict in Ukraine, there's no need to let us know in the first 12 months and your cover will remain the same.

To support you, we'll provide the following cover:

  • We'll treat your guests as a family member, rather than a visitor or paying guest.
  • Your guests' belongings will be covered within your contents insurance cover level.
  • Loss or damage to your home or belongings caused by an insured event like fire or theft will be covered, even if one of your guests is responsible.

Support for Ukraine – find out what we're doing.


Working at home during coronavirus (COVID-19)

Does working from home affect my home insurance?

You're covered for doing clerical work at home, such as using a phone and computer, and you don't need to call us about this. Your policy booklet has more details about your cover.

If work-related visitors come to your home, or you need to register your home as a business address, then do tell us about the change in your circumstances. You can call us on 0370 606 1617.



Am I covered if something happens to my work equipment at home?

If your phone or laptop is provided by your employer, then those items are the responsibility of the employer. They won't be covered under your home contents insurance.

But you should still take care of the equipment, so do check with your company for advice.



What level of cover do I have for my own office equipment?

A standard feature of our contents insurance is up to £5,000 for loss or damage to business equipment, which includes computer equipment (but not laptops), photocopiers and office furniture. The most we'll pay for a single item is £2,000.

Our Home Insurance Plus policy increases the cover for loss or damage to business equipment to £10,000.



What about my personal mobile phone, tablet or laptop?

Personal mobile phones, tablets and laptops are classed as valuables on your contents policy. They're covered against insured events such as fire, theft, storm or flood while they're in your home.

You can further protect your valuables and personal belongings, each one worth up to £1,500, with our optional worldwide accidental loss or damage cover. For example, if you accidentally drop your phone or laptop on the kitchen floor and damage it.

If any valuable or personal belonging is worth over £1,500, you'll need to add details of this item on your policy to ensure it's covered at home. You can then choose whether to specify it for worldwide accidental loss or damage cover.

Home Insurance Plus provides a higher level of cover. Unspecified valuables and personal belongings worth up to £5,000 are automatically covered for accidental loss or damage anywhere in the world. Only items worth over £5,000 need to be listed separately.

Valuables aren't covered if they're kept in a domestic garage or outbuilding.



I'm temporarily unemployed due to the coronavirus situation, and can't pay the rent to my landlord. Does my home insurance cover this?

No, protection against rent arrears isn't covered by your home insurance. Usually, your landlord would take out rent guarantee insurance.



My property has suffered damage (from a fire, flood or other named peril) and it's uninhabitable. I'm self-isolating, so can you help me find alternative accommodation?

The priority of the AA and our panel of insurers is the safety of our customers and the wider community.

So we'll provide cover for you as promised in the policy – including funding the cost of alternative accommodation – while acting in accordance with the current advice of the UK government.

Meanwhile, it's vital that you contact us to discuss your claim, to ensure that you're best protected.



I've been quarantined or am unable to travel from abroad, and my home may be left unoccupied for over the 30 day limit on my policy. Will I be covered?

We're taking a pragmatic approach to individuals who are quarantined or stuck abroad, and are unable to return to their unoccupied property. Call us on 0370 606 1617 for advice.



Does my home insurance include mortgage repayment protection cover?

No, this isn't covered by your home insurance.


Find out how the AA is responding to the coronavirus situation.

What is home insurance?

Home insurance provides financial protection against damage to your home and possessions by a fire or another unforeseen event.

You have three main types of home insurance to choose from – buildings insurance, contents insurance, and combined buildings and contents insurance.

  • Buildings insurance covers the structure of your home as well as permanent fixtures and fittings.
  • Contents insurance covers possessions inside your home.


Do I need home insurance?

Unlike car insurance, you're not legally required to have home insurance. However, if you have a mortgage on your home then the mortgage provider will likely require you to have buildings insurance at the least.



What type of home insurance do I need?

The type of home insurance depends on whether you own or rent your home.

  • Homeowners usually need both buildings and contents insurance.
  • Tenants usually need only tenants' contents insurance, but if in doubt check the terms of your individual rental agreement.

You can tailor our home insurance to suit your needs. It can include protection against accidental loss or damage to your household items, personal possessions and high value items. There are further optional extras such as Home Emergency Cover and Home Legal Expenses.

Good to know

1 We'll replace any lost, stolen or damaged items with new ones where available, or give you the cash. If a cash settlement is agreed for any items, it will be limited to the replacement cost to us. The Contents Insurance Policy Booklet has full details.

2 We'll pay the costs we've agreed in advance for alternative accommodation if your home can't be lived in due to an insured event. The accommodation will be of a similar size and standard to your home. For any one claim, you're covered either for up to £45,000 with buildings insurance, or up to 20% of the insured value with contents insurance.

Based on AA Car Insurance and AA Home Insurance combined customer reviews.

Star Rating from Defaqto. Defaqto is a leading financial information, ratings and fintech business, helping consumers, financial institutions and financial advisers make better informed decisions.


The underwriter of your home insurance policy will be provided 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), Financial Services Register number 310562.

* Love2shop voucher – prize draw terms and conditions
1. The Promotion
 
1.1 You could win a Love2shop voucher worth £50 in this free prize draw.

1.2 Each prizewinner will win a maximum of one prize and 50 prizes are available in total.

1.3 Prizes are subject to availability.
2. The Promoter
 
1.1 Automobile Association Insurance Service Limited, Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA (the AA)
3. How to participate in the Promotion
 
3.1 Upon purchase of an AA Home Insurance policy via this web page, or by calling 0330 053 0063 and quoting your unique quote reference, you'll be automatically entered into the free prize draw based on eligible purchases made between 00:01am on 20 November 2023 and 11:59pm on 6 December 2023.

3.2 We'll use the personal information provided in your AA Home Insurance policy to enter you into the prize draw. One entry will be made in the policyholder's name for each policy purchased.

3.3 The 50 winners will be chosen at random via an automated process.

3.4 By entering the free prize draw you accept these terms and conditions.
4. Prize draw start dates
 
4.1 The free prize draw will start at 00:01am on 20 November 2023 .
5. Prize draw end dates
 
5.1 The free prize draw will close at 11:59pm on 6 December 2023.
6. Eligibility to participate in the Promotion
 
6.1 The free prize draw is only open to purchasers of an AA Home Insurance policy via this web page or by calling and quoting your unique quote reference. The prize draw isn't available via any other website (including, but not limited to, price comparison or cashback websites) and can't be used in conjunction with any other offers or discounts, and can be withdrawn or amended at any time.

6.2 Each eligible winner's policy must have started at the time the draw is made under clause 7.

6.3 The following are not eligible to enter or win the free prize draw:

 6.3.1 Employees of the AA or its holding subsidiary companies.

 6.3.2 Employees of agents or suppliers of the AA or its holding companies, who are professionally connected with the competition or its administration.

 6.3.3 Members of the immediate families of the employees identified in 6.2.1 and 6.2.2 above.

6.4 By entering the free prize draw, you confirm that you're eligible to do so, and eligible to claim the prize or any prize you may win. The AA may require you to provide proof.

6.5 Entries not in accordance with these terms and conditions won't be counted and will be excluded.

6.6 Entries won't be entered into the free prize draw if they're either: received after the end date of the Promotion; incomplete, misspelled, inaudible or incomprehensible; or not in accordance with the instructions given by the AA.

6.7 The AA accepts no responsibility for entries not successfully completed or submitted due to a technical fault of any kind (such as a technical malfunction, computer hardware or software failure, satellite, network or server failure). If for any reason a technical interruption, fault or site failure occurs when purchasing online, the AA doesn't take any responsibility for incomplete purchases, and any incomplete purchases won't be considered valid for entry into the prize draw. Where applicable, the AA accepts no responsibility for any purchases which are not completed for any reason.

6.8 The draw will be made 45 days following the closing date of the prize draw.
7. Selection of the winner
 
7.1 The winners will be selected at random from all the eligible entries received.

7.2 This will be done by an automated process.

7.3 Winners will be notified by email or phone using the details provided on their insurance policy within 10 days of the draw being made under clause 6.8. The winner will be provided with a unique code via email along with details of how to redeem the voucher. The voucher will be fulfilled by Love2shop.

7.4 The prize can't be claimed by a third party on your behalf.

7.5 The AA doesn't accept any responsibility if you're unable to claim the prize.

7.6 The prize is awarded conditionally upon acceptance, and if a winner can't be contacted after 5 days of the AA attempting to notify the winner under clause 7.3 above, or if any prize is unclaimed or declined within 10 days after being notified under clause 7.3 above, the prize shall be deemed as unclaimed or unaccepted and a supplementary winner may be drawn at the discretion of the AA.

7.7 The AA retains the right to substitute the prize with another prize of similar value in the event the original prize offered isn't available.

7.8 The prize isn't negotiable, exchangeable or transferable for any other product or service or a cash alternative.

7.9 The decision of the AA is final. No correspondence will be entered into regarding the outcome.
8. Limitation of liability
 
8.1 In so far as is permitted by law, the AA, its agent or distributors will not in any circumstances be responsible or liable to compensate the winner or accept any liability for any loss, damage, personal injury or death occurring as a result of taking up the prize except where it is caused by the negligence of the promoter, its agents or distributors or that of their employees. Your statutory rights are not affected.

8.2 Under no circumstances will the AA's aggregate liability to you for any claims arising under these terms and conditions or the free prize draw, which don't fall within clause 8.1 above, exceed £200.00.
9. Data protection and publicity
 
9.1 The winners may be asked to take part in future publicity.

9.2 The AA will use your personal data for the purpose of the management of the free prize draw, including to assess your eligibility for the free prize draw and to administer the competition. You can find more information in the AA Privacy Notice.

9.3 The AA must either publish or make available information that indicates that a valid award took place. We're required to make the forename, surname and the county of each winner available upon request.

9.4 If you object to either your forename, surname, county or winning entry being published or made available, please contact the AA. In such circumstances the AA must still provide the information and winning entry to the Advertising Standards Authority on request.

The prize draw isn't available on price comparison websites and can't be used in conjunction with any other offers or discounts, and can be withdrawn or amended at any time.

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