We've provided the information below to help you complete your details for home insurance. But if you're still not sure about any particular question, please call us on 0800 197 6172.
To access your policy documents online please provide your email address.
Once you've bought your policy, your documents should be available within 24 hours – we'll send you an email as soon as they're ready. This will include a link to set up your 'My AA' account, where you can access your documents online.
If you prefer to receive your documents by post, you'll be given the option to have them sent to you.
First select your employment status.
If you are employed or self-employed enter a short description of your job. Think about how you'd describe it to someone you hadn't met before.
Select the job title from our list of suggestions which most closely matches your job.
If you are not working, select one of the following as your employment status: housewife or househusband, student, retired, unemployed or registered disabled (not in employment).
If you have a second job, enter a short description of it here. Select the job title which most closely matches your job from our list of suggestions.
If you have any difficulties finding your job on our list please call us on 0800 197 6172.
Please enter a close description of what the business you work for does. For example, if you're an accountant for a hospital, enter 'hospital'.
Select the description which most closely matches the business you work for from our list of suggestions.
Select the description that matches your home. If your property type is not shown, then choose the closest description. If you are unsure, please call us on 0800 197 6172.
If you want a quote for buildings insurance, we suggest that you check to see if all the flats in your building are already covered – not just your own individual flat. If there is no joint or block policy you should try to arrange one.
In the meantime, if you need insurance cover we're happy to provide a quotation in your own name until a joint or block policy can be arranged.
Select 'yes' if you belong to a police-approved Neighbourhood Watch scheme.
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), National Security Inspectorate (NSI), or Security Systems & Alarm Inspection Board (SSAIB) supplier.
If the alarm breaks down, you must:
Please read the following information about door and window locks that are required for us to be able to insure the contents of your home against theft, attempted theft or malicious damage.
The main door(s) that you leave your home by should be fitted with:
They should be fitted with:
They should be fitted with:
These windows should be fitted with key-operated locks, and key-operated mortice rack bolts at the top and bottom of both leaves.
Click the Add claim 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, then we're not able to provide you with cover.
Accidental damage cover extends your buildings cover beyond events such as fire or storm damage. For example, it covers accidents like putting your foot through a ceiling while you're in the loft, or hammering a nail into a pipe.
Accidental damage cover for your permanent fixtures and fittings includes items such as:
If you select accidental damage cover on the Your Quote page, then click the recalculate button to see your updated premium.
Standard contents insurance cover already provides for accidental damage to:
For an additional premium you can extend your contents cover to include accidental damage cover for household goods. For example, it covers accidents like spilling red wine on the sofa, or making an iron scorch mark on a carpet.
Adding accidental damage cover for household goods will include items such as:
If you select accidental damage cover, then click the recalculate button to see your updated premium.
You can protect your valuables and personal belongings against accidental loss or damage anywhere in the world while they are in your custody or control.
If you select cover for valuables and personal belongings, choose the level of cover you need up to £15,000, then click the recalculate button to see your updated premium.
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 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.
Individual valuables and personal belongings worth more than £1,500 should be listed on your policy to ensure they are covered. Click the single items link 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. This total will then 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.
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 or damage to your home.
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
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)|
If you choose to pay by instalments, you will need to pay a deposit using a debit or credit card for payment. The balance of your premium will be paid by direct debit in 11 monthly instalments.
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.
Enter the 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.
Enter the account number for the account from which you want the monthly instalments to be debited. This number should appear on your bank card or statements. Please use an account that allows you to set up direct debit instructions.
Enter your 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.