Founded in 1905, The Automobile Association (The AA) is one of the UK’s most trusted and recognisable brands. While world-renowned for its breakdown cover, it has also grown into a major player in the UK home insurance market.
The AA acts primarily as an insurance intermediary (broker). This means your policy is selected from a broad panel of leading insurers, which includes major names alongside their own internal underwriting arm (AA Underwriting Insurance Company Limited). This panel approach helps them search for competitive prices while maintaining consistent policy terms.
You can get independent advice and a personalised quotes comparison of The AA's home insurance deals with other providers from one of our expert advisers below:
Get home insurance quotes and advice today!
You can use our expert advisers to compare home insurance deals from AA with products from other providers across the market.
They will round up personalised quotes from AA and alternative providers and offer bespoke advice on which one to choose.
To get started, fill in our quick online form below and one of our expert home insurance advisers with be in touch today!
What type of home insurance do they provide?
The AA structures its direct home insurance offering into three clear tiers: Silver, Gold, and Platinum. This allows you to choose between a solid budget policy and a fully comprehensive package.
Buildings insurance
This covers the structure of your property, including the roof, walls, windows, and permanent fixtures like fitted kitchens.
-
Cover limits: The AA typically offers unlimited rebuilding cover (or up to a very generous £1.5 million depending on the specific underwriter). This removes the stress of guessing your home's exact rebuild value
-
Trace and Access: Cover to find the source of a water leak is included across all tiers. The limit is £5,000 on Silver and Gold, and £10,000 on Platinum
-
Unoccupied period: The standard policy allows your home to be left empty for up to 30 consecutive days before cover is restricted
Contents insurance
This protects your household goods and personal belongings against theft, fire and flood risks.
-
Cover limits: The limits scale with your chosen tier: up to £50,000 for Silver, £75,000 for Gold, and £150,000 for Platinum
-
Valuables: The single item limit for unspecified valuables is typically £2,000. If you have jewellery, watches, or tech worth more than this, you must declare it separately
-
New for Old: Most items are replaced on a new-for-old basis, meaning no deduction is made for wear and tear (except for things like clothing and linen)
Combined home & contents cover tiers
Most customers choose a combined policy. Here is how the three tiers compare:
-
AA Silver: A solid entry-level policy (Defaqto 4 Star Rated). It covers the main risks (fire, theft, flood) and provides up to £25,000 for alternative accommodation, but excludes Accidental Damage and Home Emergency
-
AA Gold: The mid-range option (Defaqto 4 Star Rated). It bumps contents cover up to £75,000 and increases alternative accommodation to £45,000. Accidental Damage remains an optional extra
-
AA Platinum: The top-tier, comprehensive option (Defaqto 5 Star Rated). It includes Full Accidental Damage (for both buildings and contents) and Personal Possessions cover (for items taken away from the home) as standard
How The AA calculates premiums
Because The AA uses a panel of insurers, they effectively compare quotes in the background to find you the best price for their Silver, Gold, or Platinum wordings. Your premium will be influenced by:
-
Panel Pricing: Different underwriters on their panel (e.g., AXA vs. Ageas) will price your postcode and property type differently
-
Member Discounts: Existing AA members (such as those with breakdown cover) are often eligible for introductory discounts
-
Security & Location: Having approved locks, burglar alarms, and living in an area with a low flood and crime risk will reduce your premium
-
Claims History: A No Claims Discount (NCD) can significantly lower your costs at renewal
Pros and cons
Here are the pros and cons for The AA’s tiered home insurance offering:
The AA Home Insurance
|
Pros |
Cons |
|
Unlimited Buildings Cover: Standard across most policies, preventing under-insurance. |
30-Day Unoccupancy Limit: Lower than some competitors (like LV= or Co-op) which offer 60 days. |
|
Trace & Access Included: Even the entry-level Silver tier includes £5,000 to find leaks. |
Cancellation Fees: Higher than average (£40 to cancel a combined policy). |
|
Platinum is Fully Loaded: Includes Accidental Damage and Personal Possessions as standard. |
Accidental Damage is Extra on Silver/Gold: You have to pay to add it to the lower tiers. |
|
Panel of Insurers: Helps to keep pricing competitive across different risk profiles. |
Home Emergency is Optional: Usually needs to be bolted on for an extra cost across all tiers. |
Customer reviews
The AA benefits from being a highly trusted household name, and its insurance division generally reflects this in consumer feedback.
-
Trustpilot: The AA Insurance division is rated Excellent, with a score of approx. 4.3 out of 5 (based on tens of thousands of reviews). Customers frequently highlight the ease of setting up a policy online and competitive pricing
-
Defaqto: The Platinum tier is awarded a maximum 5 Stars for its comprehensive features. The Silver and Gold tiers are generally rated 4 Stars
-
Which?: The AA regularly performs well in consumer surveys, scoring highly for policy clarity and the simplicity of its document management
How to get an AA home insurance quote
Using an independent broker ensures you see how The AA’s panel prices stack up against other direct insurers who aren't on their panel. While you can buy AA home insurance directly through their website or over the phone, because their "Silver/Gold/Platinum" structure has varying limits, it can be tricky to know if you are paying for the right level of cover compared to the rest of the market.
Using an independent broker ensures you see how The AA’s panel prices stack up against other direct insurers who aren't on their panel. At Money Helpdesk, our home insurance experts kick things off with a free, no-obligation chat.
If you are wondering whether The AA is the right choice for your home insurance, get in touch and we will review this for you.
FAQs
Yes. If you cancel after your 14-day cooling-off period, The AA typically charges an administration fee. This is usually £20 for a single policy (just buildings or just contents) or £40 for a combined buildings and contents policy. You will also be charged a pro-rata amount for the days you were covered.