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07 Jul 2023

AA home insurance review

Read Which?'s expert review of AA's home insurance. Find out how we rate AA's home insurance policy against other providers

Dean SobersSenior researcher & writer

In this article

What does the AA offer?
Does the AA offer the best home insurance?
How good are the AA's home insurance policies?
How did customers rate the AA's home insurance?
How can you save money on AA home insurance?
What is the AA's home insurance claims number?

What does the AA offer?

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

Now with over 14 million members, it's since grown to offer a variety of financial products such as breakdown cover, car insurance, travel insurance.

The AA's home insurance cover is underwritten by panel of insurers: AA Underwriting, Accredited Insurance (Europe) Limited, Acromas, Ageas, AXA, Covea, Direct Group Highway Insurance, Geo Underwriting, Integra Insurance, Fairmead, Lloyds Bank, Novae, Pen Underwriting, Royal & Sun Alliance and Zurich.

The AA offers two levels of home insurance cover: its standard and Home Insurance Plus.

The standard policy includes burst pipes cover and key cover. You can optionally add accidental damage cover, legal expenses cover and home emergency cover.

Find out more: how to find cheap home insurance

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Does the AA offer the best home insurance?

We've rated dozens of insurers on their policies and, where possible, customer service. Members can log in to read our full reviews.

If you're not already a member, join Which? and get full access to these results and all our reviews.

We analyse and rate 21 aspects of buildings cover, 40 areas of contents cover, and 25 features applicable to both (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).

See how this compares with other home insurers here

How good are the AA's home insurance policies?

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

How did customers rate the AA's home insurance?

We've talked to customers who recently made a claim to score insurers on their customer and claims service.

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

How can you save money on AA home insurance?

If you're an AA member, you may get a cheaper price for its home insurance.

The AA's Home Insurance Plus policy can only be bought directly by phone. However, its standard home insurance policy can be bought on the following price-comparison websites.

Compare The Market
Confused.com
Go.Compare
MoneySuperMarket

If you want to switch to the AA from another provider and want to do so ahead of renewal, the AA will contribute up to £25 of costs you'd pay in early cancellation fees.

Above information correct as of March 2023.

Check you're getting a great deal and search for a new home insurance policy using the service provided by Confused.com. Get a quote now