Full product details for the AA Home Insurance, including home insurance details, application criteria, discounts, excess, payments & fees, cover and claims. Apply online now.
 |  Compare AA home insurance details against other home insurance or use our home insurance comparison tables.Did you know AA also provide credit cards, savings, pet insurance, travel insurance, van insurance, motorbike insurance and breakdown cover? |
| Company: | AA
www.theaa.com
| AA
www.theaa.com
| |
| Product: | Home Insurance - Contents (Contents) | Home Insurance - Buildings (Building) | |
| | details | details | |
| Quote via this site: |  | | |
| | | | |
| Home Insurance Details | |
 Direct or Broker: |  | | |
| Underwriter: | panel | panel | |
| Application Criteria | |
| Available to Public: |  | | |
| Discounts | |
| Online Discount: | 30% | 30% | |
| Introductory NCD: | | | |
| No Claim Discount: | | | |
| Combined Discount: | | | |
| Stone Built Discount: | n/a | | |
| Age Discount: | | | |
| Vol XS Discount: | | | |
| High SI Discount: | | | |
| Locks Discount: | | n/a | |
| N/Watch Discount: | | n/a | |
| Occupancy Discount: | | n/a | |
| Smoke Detector Discount: | | n/a | |
| Retired Discount: | | n/a | |
| Excess | |
| Contents Minimum Excess: | £50 | n/a | |
| Contents Excess: | £50 | n/a | |
| Buildings Minimum Excess: | n/a | £50 | |
| Buildings Excess: | n/a | £50 | |
| Subsidence Excess: | n/a | 1000 | |
| Payments & Fees | |
| Payment Methods: | cash, credit card, cheque, direct debit | cash, credit card, cheque, direct debit | |
| DDM Fee: | 12 | 12 | |
| DDM APR: | 24.9% | 24.9% | |
| DDM Payments: | 11 | 11 | |
| Cooling Off Period: | 14/pro-rata plus admin fee | 14/pro-rata plus admin fee | |
| Cover | |
| Max Bedrooms: | 5 | 5 | |
| Min Sum Insured: | £40,000 | Unlimited | |
| Max Sum Insured: | £75,000 | Unlimited | |
| Buildings AD: | n/a | standard | |
| Subsidence: | n/a | standard | |
| Burst Pipes: | n/a | | |
| Garden Contents: | n/a | | |
| Garden Contents SI: | n/a | £0 | |
| Cover Level: | new for old | n/a | |
| Single Item Limit: | up to contents si | n/a | |
| Single Item Away fm Home: | 1500 | n/a | |
| Money in the Home: | £500 | n/a | |
| Credit Cards: | £500 | n/a | |
| Freezer Cover: | standard | n/a | |
| Freezer Contents: | £500 | n/a | |
| Damage by Pets: | | n/a | |
| Emergency Helpline: | | | |
| Emergency Repairs: | | | |
| Cycles Away from the Home: | up to pp si | n/a | |
| Single Cycle Away fm Home: | £1,500 | n/a | |
| Claims | |
| Basis of Settlement: | click here | click here | |
| General Conditions: | click here | click here | |
| General Exclusions: | click here | click here | |
Products listed under 'Most Popular' are the most popular products that can be applied for via money.co.uk.
Renting out rooms to lodgers could save money, but notifying home insurance providers is a must, it has been claimed.
Homeowners thinking about taking in a lodger to ease the pressure on their household finances are being urged to check their home insurance policies carefully to make sure both they and the person moving in are fully covered for all eventualities.
According to a study by AA Insurance, almost half of those living in the university towns of Oxford and Cambridge would consider renting out a room in their home if they were struggling financially, the Press Association reports.
However, it found that of those who already have lodgers, as many as three million could have invalid home insurance policies because they have not told their insurer about their new housemate.
Indeed, almost one quarter of landlords simply presumed their current policy would cover their lodger's belongings as well as their own, when in fact this may not be the case.
Simon Douglas, director of AA Insurance, said: "We are urging all landlords or landladies to check their insurance policy before any new lodgers move in. I am certainly concerned by the number of people who appear to be ignorant of this."
According to LandlordZONE, homeowners should never be tempted to take in a lodger without informing their home insurance provider and their mortgage lender.
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