The AA – Home Insurance

InsuranceChoices.co.uk is an affiliate of The AA. When it comes to choosing insurance today you're spoilt for choice. With so many companies offering home insurance, cover prices have become increasingly competitive however The AA’s (www.theaa.com) home insurance covers your home, its contents or both.

Visit www.theaa.com

Their home contents insurance provides up to £40,000 cover for contents, automatic old for new on most items, legal cover and accidental damage on non-portable items.

Their buildings insurance provides unlimited rebuilding costs, accidental damage cover and a 24-hour emergency cover and helpline.

The AA Home Insurance
Company	Package Name	Online Discount	Contents Cover	Contents Legal Cover	Automatic New for Old Cover (most items)	Re-building Costs	Accidental Damage Cover
	AA Home Insurance	30%	£40,000	£25,000		Unlimited

They also offer up to 30 per cent no-claims bonus and could offer further premium reductions if your home is fitted with approved security devices and smoke alarms.

What you should know

Tedious as it might be, you always need to know what’s in the small print.

Home contents:

• The first £50 of each accident or loss is not covered.
• You can add on additional cover so that you’re insured against accidental damage and loss, you can further extend this cover to include valuables and personal belongings and they will be covered wherever they are in the world.
• Loss or damage is not covered if your home is lent, let, sub-let or shared unless there’s forcible entry.

Buildings:

• There is an excess of £50 on each claim that you make. You can reduce future premium payments by agreeing to pay more than this.
• You’re not insured for loss or damaged caused by your pets.
• If your home cannot be lived in because of any covered reasons, they will provide you will cover the reasonable cost of alternative accommodation.
• Buildings insurance doesn’t cover the contents of your home.

Anything else?

Because the AA works as a brokerage, looking at multiple quotes across the market to find you the best price, rather than underwriting the insurance themselves you could get a more competitive price. They also offer online discounts.

Before taking out any insurance check whether or not you already have cover. If you own your home you might have bought buildings insurance when you got your mortgage. Always shop around to make sure you get the most competitive cover.