About home insurance
What is 'new for old' cover?
If you claim for an item that is lost or so damaged that it can't be repaired, we'll pay you whatever it costs to buy a new one at today's purchase price. You won't lose any money when you have to replace an item.
Any cash settlement may also take into account trade discounts.
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.
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.
Will my building society or mortgage lender accept your policy?
Yes. They may need a copy of your home insurance policy documents we'll provide these free of charge.
Are the contents of my shed or garage covered?
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.
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.
Back to topAbout your payment
Can I spread my payments and pay by monthly instalments?
Yes, you can pay by monthly instalments. We'll ask for an initial payment by debit or credit card and the rest of your payment will be made in 11 monthly instalments.
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.
Am I insured right away?
You'll be insured as soon as your payment has gone through if you buy your home insurance policy online, or on the phone using a debit or credit card.
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 prove you've paid the administration fees.
Back to topHome emergency assistance
How many days do I have to wait before I can get assistance for a home emergency?
Standard AA Home Insurance
You can add Home Emergency Cover or Home Membership when you buy home insurance online. Home Emergency Cover assistance becomes available when your home insurance policy starts.
Home Membership assistance is available from the 15th day after the start date of your home insurance policy. This only applies at the start of your policy and not when you renew your cover.
Home Insurance Plus
Home Emergency Response is included with Home Insurance Plus cover, and assistance is available from the start date of your policy.
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