AA Home Insurance

Help for buying your policy online

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.

Help with buying home insurance

Your details

Email – online policy documents

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.

Benefits of online documents

  • Your documents are stored securely
  • They're easy to access
  • You won't have to worry about losing your documents
  • Using less paper and reducing postal deliveries is better for the environment

If you prefer to receive your documents by post, you'll be given the option to have them sent to you.


Employment

What do you do for a living?

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).

Other job

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.


What type of business do you work for?

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.

About your home

Type of property

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.

Flats or maisonettes

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.


Neighbourhood Watch scheme

Select 'yes' if you belong to a police-approved Neighbourhood Watch scheme.


Intruder alarm service contract

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:

  • 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 locks for doors and windows

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.

External doors (main exit doors)

The main door(s) that you leave your home by should be fitted with:

  • a mortice deadlock, with at least five levers, conforming to BS 3621
  • or a rim deadlock conforming to BS 3621
  • UPVC or aluminium doors should be fitted with a multi-point locking system which incorporates a lever or cylinder deadlock, that can be locked with a key from both sides

Other single external doors (including access door)

They should be fitted with:

  • a mortice deadlock, with at least five levers, conforming to BS 3621
  • or a rim deadlock conforming to BS 3621
  • or a key-operated lock with bolts top and bottom (for solid doors, bolts should be at least 255mm (10 inches) in length)
  • for glass-panelled doors, key-operated mortice rack bolts should be fitted
  • UPVC or aluminium doors should be fitted with a multi-point locking system which incorporates a lever or cylinder deadlock, that can be locked with a key from both sides
Mortice deadlock
Mortice deadlock
Five-lever mortice key
Five-lever mortice key
Rim deadlock
Rim
deadlock
10-inch bolt for solid doors
255mm
bolt
Key-operated mortice rack bolt
Mortice
rack bolt

 

Windows, rooflights and fanlights

All windows, rooflights and fanlights which can be reached without the use of a ladder, and that can be opened, should be fitted with key-operated window locks.
Key-operated mortice rack bolt

 

Patio doors

They should be fitted with:

  • the manufacturer's integral lock plus key-operated patio door locks at the top and bottom of each sliding door
  • or a multi-point locking system which incorporates a lever or cylinder deadlock, that can be locked with a key from both sides

French windows (French doors or double doors)

These windows should be fitted with key-operated locks, and key-operated mortice rack bolts at the top and bottom of both leaves.

Your cover

Claims within the last five years

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.


Buildings insurance – accidental damage cover

Permanent fixtures and fittings

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:

  • built-in furniture
  • built-in domestic appliances
  • fixed glass and sanitary ware
  • fixed pipes, ducts, tanks, wires, cables, switches, fires, central heating equipment, boilers and storage heaters
  • fixed wall, floor and ceiling coverings (other than carpets)

If you select accidental damage cover on the Your Quote page, then click the recalculate button to see your updated premium.


Contents insurance – accidental damage cover

Household goods

Standard contents insurance cover already provides for accidental damage to:

  • 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

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:

  • carpets
  • furniture
  • soft furnishings
  • crockery

If you select accidental damage cover, then click the recalculate button to see your updated premium.

Valuables and personal belongings

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.


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 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.


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 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


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:

Standard contents cover limits
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

Set up your direct debit

Your account details

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.

Bank or building society sort code

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.

Bank or building society account number

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.

Bank or building society account name

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.