AA Home Insurance

The AA are one of the biggest insurance companies in Britain. They offer excellent deals on home insurance and will give 5% discount for policies bought online. The AA will search a panel of Insurers to make sure that you get the best deal possible to meet your home insurance needs.

Once you have received your quote, you can buy online, or save it and come back later. They even offer a helpline, should you get stuck.

Once a policy has been purchased, you can change it online, should you need to. This means that your home insurance policy will always meet your needs and circumstances ? saving you money and giving you great cover.

They offer buildings insurance, contents insurance and a combination of both.

The key features of the cover on offer from the AA are detailed below:

CONTENTS INSURANCE

• New for old basis
  
• Accidental Damage ? television, video, audio and home computer equipment whilst in the home


• Accidental Damage ? other non-portable electrical/gas appliances (eg microwave)


• Items in course of professional removal


• Furniture in storage for up to 14 days, during course of removal


• Contents normally in the open, within the property's boundaries (excluding storm or flood damage) ? up to £500


• Items temporarily removed from the home ? up to £5,000


• Freezer contents ? up to £500


• Alternative accommodation if house becomes uninhabitable due to an insured peril ? up to total of 20% of maximum sum insured


• Legal Helpline


• Disaster Helpline


• Replacement door and window locks plus alarms/safes following loss or theft of keys ? up to £250


• Money ? up to £300


• Credit Cards ? up to £500


• Guests' personal effects ? up to £250


• Christmas Seasonal Increases ? 10% increase in insured value (1st Dec?6th Jan)


• Weddings Increase ? 10% increase in insured value (one month prior to and after)


• Personal liability, in and out of home ? up to £1,000,000


• Domestic employees liability ? up to £10,000,000


• Occupiers' liability, ie damage to a third party in and around the home ? up to £1,000,000


• Unsatisfied damages (in the event of policyholder being awarded damages but where third party cannot pay) ? up to £100,000


• Legal expenses cover ? up to £25,000


• Loss of heating oil ? up to £750


• Loss of metered water ? up to £750

Extra cover for household goods

• Provides accidental damage cover to your furniture and furnishings

Extra cover for valuables

• Provides accidental loss or accidental damage for your valuables and personal belongings and money up to £300.


• A limit of £1,000 applies for any accidental loss, theft or attempted theft of valuables and personal belongings which are away from your home unless at the time of the loss or damage:


• You or someone with your permission are wearing, using or carrying them; or


• They are stored in a locked building, room, safe, vault or strongroom.

Extra cover for items specified on your policy

• Provides accidental loss or accidental damage for your valuables and personal belongings specified on your policy up to their insured value.


• A limit of £1,000 applies for any accidental loss, theft or attempted theft of valuables and personal belongings which are away from your home unless at the time of the loss or damage:


• You or someone with your permission are wearing, using or carrying them; or


• They are stored in a locked building, room, safe, vault or strongroom.

General Recommendations

• For items in excess of £500 it is recommended that up to date valuations are obtained and kept in a safe place.


• It is advisable to keep a photograph and full description of valuable items, including serial and model numbers, for ease of identification in the event of theft.

BUILDINGS INSURANCE

• Full replacement cost or repair


• Full cover for Accidental Damage (eg putting your foot through the ceiling from the loft)


• Alternative accommodation if house uninhabitable due to an insured peril ? up to £10,000


• Architects, surveyors and legal fees


• Following loss or damage from an insured peril, costs associated with complying with statutory building regulations


• Up to 90 days cover on both properties when moving house (certain restrictions apply)


• Property owners third party liability ? up to £1,000,000


• Legal liability for properties previously owned ? up to £1,000,000


• Legal Helpline


• Disaster Helpline


• Home Emergency Cover that will cover the cost of emergency repairs in a variety of specified situations

Summary

The AA are one of the most recognised and trusted names in the insurance market. AA will search over 10 leading insurers to find you the best home insurance quote they can. Plus, the AA offer a 15% online discount for new customers.

AA Home Insurance