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AA home insurance review

Read Which?'s expert review of AA’s home insurance. Find out how we rate AA's contents and buildings insurance against dozens of other home insurance providers.

In this article
What does the AA's home insurance cover? Does the AA offer the best home insurance? AA's Home insurance policy: is it good or bad? How do customers rate AA home insurance?
Where can you buy AA home insurance? What is the AA's home insurance claims number? Get top money-saving tips from Which?

The AA started in 1905 as a small group of motoring enthusiasts who came together to warn other drivers about speed traps.

It has since grown to offer a variety of financial products such as roadside cover, home insurance, car insurance, travel insurance and credit cards.

The AA is a public company, listed on the London Stock Exchange, and its home insurance policy is underwritten by AA Underwriting, Acromas, Ageas, Allianz, AXA, CIS, Covea, Premier, Zenith & Zurich.

The AA offers the following levels of home insurance cover:

Policy Policy level Buildings - Maximum sum insured Contents - Maximum sum insured
AA Home Insurance Standard Unlimited £100,000
AA Home Insurance Plus Premium Unlimited Unlimited

 

Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy

 

What does the AA's home insurance cover?

The information below gives an at-a-glance view of the key areas that AA's Home insurance covers as standard.

Elements marked with a are covered as standard, those marked with a are not covered as standard. Elements marked with a £ can be added to a policy for an additional cost.

 

 

 

 Burst pipes

 

Covers the cost of repairing burst pipes in your property. 

 

 Key cover

 

Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen.

 

£ Accidental damage

 

Covers accidental damage to personal belongings, fixtures and fittings.

 

 

 

£ Home emergency

 

Covers callouts and temporary repairs resulting from a home emergency.

 

£ Personal possessions

 

Covers personal belongings against loss, accidental damage or theft when taken outside the home.

 

£ Legal protection

 

Covers legal costs resulting from claims such as property and employment disputes.

 

 Boiler cover

 

Covers the failure of a boiler or central heating system.

 

Does the AA offer the best home insurance?

Here's how the AA scored in our latest home insurance survey:

Home And Mobile Insurance
AA review
Overall Which? score
%
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.
Which? Customer Score
%
Which?'s rating for customer satisfaction, based on feedback from real customers who have recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Buildings policy score
%
Which?'s rating of the quality of this company's buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality of this company's contents insurance policy. We analysed 66 features of its cover to calculate the policy score.
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To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

 

How we analyse home insurance

 

We analyse and rate 47 key elements of standard buildings home insurance policies to come up with the buildings policy score and 66 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance / reduce their impact in the overall product score.

AA's Home insurance policy: is it good or bad?

Which? members can log in to see the results of our analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of AA's home insurance rated

Weighting Policy element Details Rating
Most important Alternative accommodation (£) Logged out detail Logged out padlock
Most important Owner's / Occupier's liability (£) Logged out detail Logged out padlock
Most important Repairs guarantee Logged out detail Logged out padlock
Other Unoccupancy period Logged out detail Logged out padlock
Most important Trace and access  (£) Logged out detail Logged out padlock
Most important Burst pipes - included? Logged out detail Logged out padlock
Most important Blockage of sewer pipe - included? Logged out detail Logged out padlock
Secondary Gradual build-up of groundwater - included? Logged out detail Logged out padlock
Secondary Subsidence - included? Logged out detail Logged out padlock
Secondary Damage to underground services - included? Logged out detail Logged out padlock
Secondary Flood and storm damage - included? Logged out detail Logged out padlock
Secondary Flood and storm damage to outbuildings - included? Logged out detail Logged out padlock
Secondary Storm damage to fences - included? Logged out detail Logged out padlock
Other Theft of keys - included? Logged out detail Logged out padlock
Secondary Theft of keys (£) Logged out detail Logged out padlock
Other Loss of keys - included? Logged out detail Logged out padlock
Secondary Loss of keys (£) Logged out detail Logged out padlock

Table last updated in March 2021. Next update in March 2022.

To see how the AA's home insurance compares with other policies check out our guide on the best and worst home insurance.

How do customers rate AA home insurance?

As well as looking at how the AA's home insurance policies stack up against others, we've also analysed how customers feel about it. 

Which? members can log in to see the results of our analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

How the AA's home insurance scored for eight elements of customer satisfaction

Customer satisfaction element Which? customer rating
Application process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Treatment of longstanding customers Logged out padlock
Dealing with complaints Logged out padlock
Value for money Logged out padlock

Table last updated in March 2021. Next update in March 2022.

'-' means we have insufficient sample size (less than 30) to generate a star rating.

Where can you buy AA home insurance?

AA home insurance can be purchased online and over the phone.

The AA's home insurance policy is also available via the following price comparison websites:

  • Compare The Market
  • Confused.com
  • Go Compare
  • MoneySupermarket

Find out more: how to get cheap home insurance

What is the AA's home insurance claims number?

If you need to make a claim with AA home insurance you will need to call the phone number on your Statement of Insurance as soon as possible.

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