AA Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if AA is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on AA home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is AA the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail AA’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,4 Safe overall rating for AA

Safe ratingOur opinion
Customer service & satisfaction
and claims

High customer revies on Feefo
4 stars ranking by Defaqto

Cover provided for your home

£750 cover for money and £15K for bicycle
Unoccupancy period cover of only 30 days
Up to £25 000 only for emergency accommodation for building insurance
Boiler not covered in home emergency optional extra

Value for money

Discount for buying combined policy
10% of customers pay £115
No charge on monthly payments
NCD not available

Financial strength

Home insurance policy underwritten by a large panel of selected insurers (UICL, Ageas, Allianz, Axa, Homesure, Covea, Legal and General, RSA, Lloyds etc.)


Chatbot available
Customer portal to manage your policy

Safe rating for AA home insurance

Expert and customer satisfaction reviews for AA home insurance

Review organisationAA home insurance reviews

Defaqto expert
defaqto 4 stars 1
Feefo4,6/5 based on 1688 opinions
Overall Which? Score


Consumer satisfaction rates on reviews for AA home insurance

Our general opinion on AA home insurance

AA was founded in the early 19s and started by selling motor insurance. The company now also offers home, pet, travel, caravan, van, loans and savings plans. AA is a public insurance company.

AA offers two different level of protection for your home through its standard Home Insurance plan and the more comprehensive AA Home Insurance Plus Policy.
The standard home insurance plan allows you to cover your home up to £1M and provides £45k alternative accommodation cover in case your home is damages. Accidental damage cover is included as standard for electrical and gas items such as TV or washing machine. The unoccupancy period cover is only 30 days though. The policy is rated 4 stars by Defaqto.

The Home Insurance Plus policy is rated 5 stars by Defaqto. Maximum sum insured for both building and contents are unlimited (contents replacement is new for old option). Contents insurance covers up to £7500 for items in the open or outbuildings.

What does AA home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at AA will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at AA covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

AA buildings and contents insurance

AA provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

AA building insuranceLimits
Maximum sum insured

£1 000 000

Owner liability

£2 000 000

Alternative emergency accomodation

£45 000

Period of home’s unoccupancy cover

30 days

Repairs guarantee period

1 year

Trace and access

Not stated

Burst pipe

As standard

Blockage of sewer pipe

As standard

Gradual build-up of groundwater

Not stated


As standard

Underground services

As standard

Keys cover

£1 000

Flood and storm damage (except for fences)

As standard

AA building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

Sum insured

Owner liability

£2 000 000

Alternative emergency accomodation

20% of the insured value

Period of home’s unoccupancy cover

30 days

Damage made by pets

Not covered

Contents kept in garden

£1 000

Contents kept in outbuildings (garage included)

£6 000

Thefts from outbuildings

£3 000

Single item limit for valuables

£1 500

Items temporarily removed from home

£1 000

Money in and outside the homeInside:




Credit cards in and outside the homeInside:




Business equipment kept at home

£5 000

Student equipment

Not covered

Keys cover

£1 000

AA contents insurance

AA home insurance additional cover

On top of your AA buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Available as extra

Home emergency
  • Optional extra
  • Up to £500 per call out
Boiler cover

Not covered

Legal protection
  • Optional extra
  • Up to £50 000 for expert lawyers fees
Personal possessions

Available as extra

Mobile cover

Available as extra

Bicycle cover

Available as extra

AA home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£100
Excess for escape water claimsNot stated
Excess for subsidence claims£1 000
Excess for personal possessions£100
Excess for keysNot stated
AA home insurance main excess

AA home insurance fees and NCD

To manage your policy, renew, cancel or modify it, AA fees are as follows:

Fees applied to manage your AAhouse policy
Interests on payment installments26,90%
To renew my policy£0
To adjust my policy£12,5 – £15
To duplicate documents£0
To cancel my policy during cooling-off periodNot stated
To cancel my policy outside cooling-off period£20
For payment default£12
To switch from one insurer to AA£25
Home insurance fees at AA

How much does AA home insurance cost?

You will below indicative quotes for building and contents insurance at AA:

Building insuranceContents insurance
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Home insurance quotes at AA

It is very difficult to give a precise range of how much exactly will your home insurance cost at AA as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

AA will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

AA home insurance discounts available

Discount is given for buying combined policy.

How do I a claim on AA home insurance?

You can make your claim by checking the home insurance policy document to ensure that you are covered. Then place a call to the phone number on your policy summary and follow the instructions that will be given.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on AA home insurance?
Claim online

Claim form

Claim by phone

0800 500 216

How to claim on my home insurance at AA

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel AA house insurance?

To cancel your AA house insurance, here is what you need to know: 

Cancelling your home insurance at AA
Cancellation notice if AA cancel your policyNot stated
Cancellation feesFees during cooling-off period: Not stated
Fees outside cooling-off period: £20
Cancel by phone

0800 500 216

How to cancel my AA home insurance

How to contact AA home insurance?

ServicesPhone numbersOpening hours

0800 197 6169

Mon – Fri: 9am – 6pm

Renew or change policy

0800 107 9068

Monday to Friday 9am to 6pm


0800 88 77 66

Monday to Friday 9am to 6pm

Customer service

0370 606 1617

Mon – Fri: 8am – 6pm

How to contact AA home insurance

AA home insurance contact details

AA contact details
AA address

AA Fanum House, Basing View, Basingstoke RG21 4EA, United Kingdom

Customer service email

Contact form

Chatbot available

Available by clicking on the chat now button on the middle right.

AA contact details

How do I log in to AA customer portal?

You can log in to your customer portal on the website. This allows you to access your documents, check your cover level and renewal dates.

How do I get AA home insurance quotes? 

To get a quote online at AA, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If AA is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get AA home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your AA house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.