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17 Sept 2026

The AA home insurance review

Name: NFU Mutual home insurance review
Item: NFU Mutual Home Insurance
Rating: 81
Author: Dean Sobers

Even the AA's Platinum policy was middling in our assessment

Dean SobersSenior researcher & writer

Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.

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Dive into the detail with our expert reviews

We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.

In this article

Does the AA offer the best home insurance?
What does the AA home insurance cover?
‘Generally mediocre, with a few decent features’
How good is the AA at handling claims?
How can you save money on AA home insurance?
How does the AA compare with other providers?
The AA home insurance: How can you claim?
Should you buy the AA home insurance?

Best known as a breakdown services provider, the AA also sells home insurance, as well as car insurance and travel insurance.

We've reviewed all three of the AA's home insurance policies – Silver, Gold and Platinum. You can buy them online and over the phone, or via an insurance comparison website.

The AA's policies are underwritten by a panel of insurers. This includes AA Underwriting Insurance Company Limited, Ageas, Axa, Covea, Integra, Lloyds Bank, LV and Pen Underwriting Limited.

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.

Does the AA offer the best home insurance?

The AA

Even the scores for the AA's Platinum policy were average.

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Policies

Platinum (buildings)71%
Platinum (contents)66%
Gold (buildings)68%
Gold (contents)63%
Silver (buildings)68%
Silver (contents)60%

See how this compares with the best home insurance, or read more about how we rate home insurance.

What does the AA home insurance cover?

We've reviewed the AA's three home insurance policies. Select a policy from our table to see what it offers and what we scored it.

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The AA Platinum

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Buildings - Alternative accommodation	£75,000
Buildings - Burst pipes	Included
Buildings - Escape of water excess	£300
Home emergency cover limit	£500
Home emergency - central heating/boiler repair	£500
Buildings - Groundwater flooding	Not covered	0 out of 5
Subsidence excess	£1,000
Contents - Valuables unspecified single item limit	£2,000
Contents - Alternative accommodation	£25,000
Contents - Accidental damage	Full cover included
Contents - Guests' belongings	£300
Contents - Theft of contents in the open	£1,500
Contents - Damage to contents in the open	£1,500
Contents - Theft from outbuilding	£5,000
Contents - Damage to contents in an outbuilding	Up to sum insured
Contents - Personal possessions cover single item limit	£2,000

Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.

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‘Generally mediocre, with a few decent features’

Dean Sobers, Which? home insurance expert, says:

The AA’s best-scoring policy – Platinum – was very much mid-table. Its buildings score of 71% was exactly average, while its contents score of 66% was just below the average of 67%.

It wasn’t riddled with holes, but it didn’t stand out in many areas, either. We did like that home emergency cover was included as standard (£500), as was accidental damage cover.

It lacked student cover (cover for the contents kept by a household member in student accommodation). And while it offered some cover for belongings of guests staying in your home, this was capped at £300, which was comparatively low.

£25 switching fee

The AA is one of a handful of providers in our analysis that will offer to pay towards cancellation fees you incur if you switch to them before it's time to renew.

Gold and Silver

The AA’s other two policies, Gold and Silver, has very similar buildings scores (not exactly the same but both rounded to 68%), placing them in the bottom half of our table.

Their contents cover scores differed: Gold achieved 63%, while Silver only notched up 60%.

How good is the AA at handling claims?

The AA's underwriter, AA Underwriting Insurance Company Limited, accepted 55-60% of claims on buildings-only policies – just below the industry average of 63%. Some 10-15% of claimants on these policies lodged a complaint, which was approximately average (13%).

Meanwhile, the underwriter accepted 70-75% of claims on contents-only policies – in line with the average of 71%. Some 5-10% of claimants complained, which is also in line with the 7% average.

When it came to claims on combined policies, the underwriter accepted 55-60% of claims – a good bit below the 71% average. Some 10-15% of claimants complained, which is in line with the 12% industry average.

How can you save money on AA home insurance?

Compare several quotes from price comparison sites to check if it's a good deal. AA home insurance appears on the following comparison websites:

Compare the Market
Confused.com
Go.Compare
MoneySuperMarket
Uswitch

The AA will cover cancellation fees of up to £25 if you switch to one of its policies from another provider (up to £50 if you take out buildings and contents cover together).

Want to pay monthly? The AA charges interest of 22.9% APR, so you might be better off paying annually on an interest-free credit card.

Above information correct as of August 2026. For more ways to save money when buying insurance, see our guide.

Visit the AA directly to find out more about its home insurance policy.

How does the AA compare with other providers?

While we didn't have enough feedback from claimants to calculate a customer score for the AA, its standard Gold policy scored 68% for buildings cover and ranks joint 24th in our standard buildings insurance table. It shares the same score as standard policies from 1st Central, Coverbaloo, Esure and Sheilas' Wheels.

As for contents insurance, its standard Gold policy scored 63% – the same as a standard contents policy from Hastings Direct – and sits in joint 23rd place among standard policies.

The AA home insurance: How can you claim?

To make a claim, call the AA on 0330 102 8795.

You can also log in to your online account and make a claim that way.

Find out more: is it worth claiming on your home insurance?

Should you buy the AA home insurance?

Maybe not. Its policy scores weren’t the worst, but its lower-than-average claims acceptance rates are slightly concerning.

How we rate home insurance

Policy analysis

We analyse and rate 177 aspects of cover across insurers' policies, including their key buildings and contents features, and elements applicable to both kinds of cover (such as admin fees). We use this data to award each provider policy scores for its buildings and contents cover.

Initially, we score all of the product elements out of five, reflecting how competitive each policy is in this area compared with other insurance products. We also assess how important different policy elements are to consumers when choosing and using their home insurance, and factor this in when calculating our policy scores. More important features (such as alternative accommodation cover) will have more of an effect on the score than some other features (such as cover for the contents of your freezer).

Customer survey

We also surveyed 3,419 members of the public who had made a claim in the past two years. The survey was conducted in May-June 2026.

Our customer score reflects the general satisfaction of customers with their current insurer and their likelihood of recommending it. The claims score reflects how satisfied they were with how their most recent claim was handled and their likelihood of recommending the insurer for claims.

We review a lot of policies – and being a Best Buy recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy where there's evidence – from our surveys or from Financial Conduct Authority data – of poor service or a poorer-than-average record of paying claims.

Buildings Best Buy policies must have a minimum buildings policy score of 73%
Contents Best Buy policies must have a contents score of at least 70%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated (find out more: how we rate policies).

Lastly, all Best Buy policies must have – or make available – the following levels of cover as a minimum:

Buildings

Flood, storm, subsidence and accidental damage cover; Cover for burst or blocked pipes; Trace and access cover (£5,000); Alternative accommodation (£50,000) with no time limit; Property owner liability (£1m); Replacement of locks or keys for external doors (£500); Home Emergency Cover (£500 and includes the central heating system).

Contents

Accidental damage cover; Theft and damage of contents in the open; Theft and damage of contents from outbuildings; Business equipment; Alternative accommodation (£15,000); Money in the home (£500); Valuables (unspecified single item limit – £2,000); Personal possessions (unspecified single item limit - £1,000); Replacement of locks or keys for external doors (£500).

Find out how the AA is rated for other products

The AA car insurance review