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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.
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