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 home

Assumptions about your home

Your quote will be based on some facts that we've assumed about you and your home.

Please read the statements below and check that they are true for you, your home, and anyone else who lives with you.

Your home

  • is in good condition
  • is built of bricks, stone and/or concrete
  • has roof tiles, slate, asphalt, metal, concrete or asbestos
  • the 150m surrounds have never been flooded or subject to coastal/river erosion, subsidence, heave or landslide
  • is self contained and has its own lockable entrance door
  • is not registered as business address or used in any part for business, trade or a profession, unless it is just for clerical work and no clients or customers visit
  • is normally occupied at night or during the day (eg if you work on a night shift) and is not left unoccupied for more than 30 consecutive days
  • is not let to tenants and is occupied by yourself and your immediate family only. It is your main residence and is not a weekend or holiday home

You and your household

  • have never been refused or had special terms applied to your home insurance
  • have never had your home insurance cancelled
  • are currently not declared bankrupt or are not in the process of being declared bankrupt
  • have never been convicted or are not about to be criminally prosecuted (excluding motor offences)

Can't confirm all of the assumptions?
Call 0800 316 1567 – we should be able to find the right policy for you. We just need to ask a few more questions.

Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm.

Or we can call you

Phone me

Home security

Intruder alarm contract

The intruder alarm in your home has an annual inspection contract with an installer accredited by either the National Approval Council of Security Systems (NACOSS), National Security Inspectorate (NSI), or SSAIB.

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

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.

Valuables and personal belongings

Optional cover is available to protect valuables, personal belongings and money against accidental loss or damage anywhere in the world.

Valuables are covered anywhere in the world while they are in your custody or control.

For items worth up to £1,500 each, select the total amount of cover you need for these items. Items worth over £1,500 can be listed separately on your policy.

Items we treat as valuables

  • jewellery, watches, furs (other than sheepskin)
  • items made of gold, silver and other precious metals
  • photographic equipment (including video cameras and camcorders)
  • portable audio visual and gaming equipment, laptops, mobile phones, tablets, e-readers or other portable computer equipment (excludes items which need a mains plug)
  • microscopes, telescopes, binoculars
  • portable musical instruments
  • paintings and other works of art
  • collections or sets of stamps or coins or medals

Items we treat as personal belongings

  • clothing (including leather and sheepskin items) and personal items designed to be worn, used or carried
  • pedal cycles
  • sports equipment (except boats, boards and any other watercraft)
  • camping equipment (except caravans and trailer tents)

A note about cover for valuables

We offer two home insurance products: Home Insurance and our Home Insurance Plus policy, which provides higher levels of cover. The table below show key differences in cover.

Cover levels for valuables
Cover descriptionHome InsuranceHome Insurance Plus
Cover for money Up to £750 Up to £1,000
Worldwide accidental loss or damage cover for unspecified valuables Optional cover available for items worth up to £1,500 each Available for items worth up to £5,000 each, starting at a total cover limit of £5,000
Cover for high value items List items worth over £1,500 on your contents policy (optional worldwide cover available) List items worth over £5,000 on your contents policy (optional worldwide cover available)