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AA: Home insurance reviews

Name: Home insurance
Rating: 3.77 (71 reviews)

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3.77

Based on 71 reviews, last reviewed 2nd Sep 2026

400% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

34%

21%

37%

Latest highest rating:

5

AA Gold for service Trustworthy advice and a competitive quote. Reviewed on: 2nd September 2026

Latest lowest rating:

1

Punished for loosing a loved one After my farther died and our home was flooded we were forced to move out, Despite at AA not paying even 1penny towards the damages and not assisting ... Read more Reviewed on: 26th September 2025

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About this product

AA have three different home insurance policies to choose from with varying levels of cover.

Opt for Silver, Gold or Platinum. You can choose optional add-on cover including accidental damage, home legal expenses and home emergency cover, these are included as standard with the Platinum policy.

AA home insurance reviews help you find out what it’s really like to be a customer. If you’ve used AA before, you can also leave a review and share your experience.

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AA Home insurance reviews (71)

Ongoing experiences with the insurer of the at-fault...

Ongoing experiences with the insurer of the at-fault driver. no clarity, no support, no fairness. After being involved in a non-fault accident, I contacted AA Insurance to report the incident and request assistance. What followed was a deeply frustrating process filled with contradictions, a lack of communication, and zero transparency. Initially, I was asked whether I had “access to another vehicle,” which I reasonably understood to mean access to any personal or shared car (e.g., a sibling’s,friend’s vehicle or even could be neighbour’s vehicle) so I replied “no.” They provided a vehicle that did not match the agreement and left me dissatisfied, while leading me to believe it was only a temporary solution. Later, I was asked whether I have another vehicle, to which I answered honestly that I have a business van. Based on this, AA immediately withdrew all services without giving me a chance to explain or clarify anything. And the hire vehicle was taken away from me asap. The agent used the exact words: “We retract all services immediately.” I tried several times to talk that the business van is not suitable for personal or family use, but I was cut off, ignored, and completely dismissed. Even the call recording proves this — I can be clearly heard saying: “listen to me,” “I want to talk,” “Stop being clever, I want to talk,” “Ok you understand me but I still want to talk,” and “Why did you call me if you’re not going to listen?” But yet the agent cut me off all the time. The agent’s decision to treat my business van as an alternative vehicle, without giving me any opportunity to explain, has left me without a car since the date (10/03/2025) of the accident and has had a significant impact on my daily social life and has resulted in both financial loss and emotional hardship for me. As anyone working in the insurance industry should know, a business van is neither legally nor practically an alternative to a personal vehicle, and it comes with restrictions for private use. •Was the agent unaware of this? •Was the agent indifferent to the inconvenience and distress this caused me? •Did the agent simply not care about my situation? •Did the agent make this cancellation decision personally? •If I had told the agent that I owned an electric scooter, would they have considered it an alternative means of transport and still decided to “retract all the services”? •Did the agent record in the system that I have a business van, or did the agent noted it as an alternative vehicle — as the basis for the “we retract all the services” decision? The call recordings clearly confirm this unfair treatment — I was not allowed to speak, explain, or clarify. I was silenced before I was even heard. No fair opportunity was given to explain the nature of the van or why it couldn’t be used as a personal alternative. In legal terms, denying a customer the right to be heard violates the fundamental principle of natural justice — audi alteram partem. Not only did the agent refuse to listen to me, but I was also firmly and insistently pushed toward using my own insurance. What’s worse; later, AA claimed that I voluntarily refused their services and declined the arranged inspection — a claim that is completely contradicted by the actual call recording. This was not just poor customer service. It was a complete breakdown of fairness, clarity, and responsibility — handled in a way that created avoidable stress and disruption during a time when support should have been provided. The email I sent to clarify this issue and request an explanation regarding the conduct of the AA agent was left unanswered and completely ignored. I will continue to share my experiences throughout this process to help others be cautious when dealing with this insurer. I wish I could give a zero star or even less. Reviewed on: 20th April 2025

Shocking experience.

Shocking experience. Major water leak into the kitchen from exterior pipe, water dripping in. AA sent rude aggressive surveyor who said no claim as property was old and in poor condition. Call centre made compensation payment to us due to conduct of surveyor. when we complained. Avoid if you value quality service and professional polite surveyors. Reviewed on: 27th March 2025

Thieving company - steer well clear!!

When you take out a policy they automatically select you far auto renewal, apparently its your responsibility to request that it doesn't. in my case they renewed & i wrongly expected them to charge a fair price so i didn't check the renewal doc that they emailed. It wasn't until i saw the direct debit coming out at 3 x the previous years that i realised that they had increased the cost of my policy by £300. i then called to complain & they said that because the 14 day cooling off period had expired there was nothing they could do. I then told them to cancel the policy & to do so they said it would cost me £175 in admin fees. I will be complaining & taking to the ombudsmen if not resolved but my advice would be to steer clear of this thieving company Reviewed on: 18th December 2024

I have recently had to make a claim which was a seam...

I have recently had to make a claim which was a seamless process. Very good value for money and excellent customer service Reviewed on: 4th September 2024

Competitive quote backed by good customer service.

Competitive quote backed by good customer service. Options clearly explained, without any pressure to purchase. I particularly appreciated the personal service provided when setting up my policy - without the need to fill out a long questionnaire online Reviewed on: 23rd August 2024

I tell the legal expenses that I have a boundary dis...

I tell the legal expenses that I have a boundary dispute and they say we don’t cover that. Even though other providers do. I then phone their 24 hour legal helpline and find that it is not really 24 hours as I ring late at night and they tell me no legal adviser can take your call. Can we ring you tomorrow. When I do get to talk about my legal problem they will only discuss topics which their legal expenses policy will cover. Even though all I want is telephone legal advice. When I have been with other providers they still let me discuss legal topics which their legal expenses policy does not cover as it is just telephone advice. Which ? Has given this provider a low score for its home insurance in comparison to other providers. Yet apparently it is a Defaqto rated provider which I find hard to understand. Needless to say when my policy comes up for renewal I will switch to another provider who actually looks after their customers and is there when you need. I just hope that my house doesn’t burn down. Otherwise they might say sorry we don’t cover that ! Reviewed on: 15th February 2024

Cheap, but you only get what you pay for.

Cheap, but you only get what you pay for. They avoid paying out when you have a claim. Reviewed on: 9th February 2024

Its regarding home insurence- Pls avoid as AA is not acutal insurer.

Its regarding home insurence- Pls avoid as AA is not acutal insurer. Its regarding home insurence. Pls Avoid..... I have home insurence with contents covered while on holiday. My wife lost her gold chain while on holiday. We provided all the information regarding the claim. At last they rejected the claim saying they can't find where it was lost. If I know where it was lost, i will go and find there or complain there, why whould I calim insurence and waste my time. They try their best to avoid claim. Better find some good insurer who are underwriter as well. I took this insurence based on AA brand name, but AA is just broker, actual insurer is different who are avoing claims giving silly reasons. Thinking now to go to ambudsman. Avoid AA for your mental peace for home insurence. Reviewed on: 18th December 2023

Don't buy as AA is just middleman

Hi, AA doest not handle home insurance. Its third party who handle claims and policy. I took home insurance based on AA brand and been with them past 3 years. I have home and contents insurance with contents covered outside of my home. We went on holiday last summer and my wife lost gold chain in holiday which was in her hand bag. When I claimed for it, AA transferred claim to third party company who is giving lot of excuses to avoid paying claim. The reason given was they can't establish where the chain was lost. If I know where it was lost, I will go and find it there, its a common sense, why I claim with insurance company. Please don't be fooled by AA brand with home insurance. I am really shocked by the response for my claim. Avoid avoid for home and contents insurance. Reviewed on: 26th November 2023

Disappointing

Have had a storm ⛈️ leak on my roof and ceiling, don’t cover internal damage, only a miserable amount for a important event, cancelled my policy, never again Reviewed on: 22nd September 2023

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