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AA: Home insurance reviews

Name: Home insurance
Rating: 3 (66 reviews)

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2.62

Based on 66 reviews, last reviewed 26th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

30%

21%

40%

Latest highest rating:

5

Best cover reasonably priced Took out insurance via gocompare. They wasn’t the cheapest but for a 5* rating gave me higher cover than the others. Was able to contact them easily a... Read more Reviewed on: 5th September 2025

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.

AA Home insurance reviews (66)

Review of the AA, Home insurance:

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

Good insurance company

Been with them a number of years always competitive with on price Reviewed on: 27th September 2022

Great company

The AA can’t be beaten on price, we have used them for home insurance for the past 3 years as they have always been cheapest even on renewal. When I have had to contact them they are always friendly and easy to get hold if Reviewed on: 15th August 2022

Best value

The website makes it so easy to review and amend your policy. If I had questions I know I could always give them a call. Reviewed on: 14th August 2022

DO NOT USE AA Home Insurance

Appalling service, no communication, untrained rude staff, no customer focus, delays while staff go on holiday. Reviewed on: 5th July 2022

Is this a scam company had

Had a leak on a water stop tap .the leak caused damage to the vinyl flooring .had to be taken up as it was warped.surveyor for the aa agreed.but the claim has been declined because on the photos we sent there are some marks on the wall and the aa say this is related to the damage these marks are not connected to the leak It seem they are looking for ways not to pay the claim.you may get cheap insurance with this company but if they don't pay for accidents that's why If I were you please go to another company .all.in all a very. Bad and costly experience Reviewed on: 16th March 2022

Poor is an understatement, take your money and run

We have never claimed on home insurance but unfortunately in Jan 2022, we came home to a leak in out En-suite, initially we wasn’t gonna claim but seeing to extent of the damage, we had no choice, building surveyor booked, came round, assessed the damage, told me it’s pretty bad, smell damp in both bathrooms, his little toy was beeping everything he touched, after a week or so, I called the AA to get an update, they said the family bathroom could not be validated, I was fuming, they said I would need to make a second claim, which means more delays and headache, living like this with 2 young children is not acceptable, my young daughter has cut her feet twice, entering 2 bathrooms that smell to the rafters of damp is not the most pleasant thing in the world, we are now in March and the AA have offered us peanuts compared to what the cheapest quote came in out, I am appalled by this, they say you will be contacted by them for updates which is completely untrue, every time I have called them I get updated, what we have been through and are still going through is causing so much stress, with 2 young children in the house, avoid them at all cost please, your better off getting your home insurance from your bank, in which we will do once this is resolved. Reviewed on: 9th March 2022

Avoid.

Damaged roof in the recent storms. Called home insurance. They arranged a surveyor. Day taken off work, surveyor never shows up. Called them the following day to find out what is going on. They declined roof repair and never even told me. Whilst all this time roof is leaking and causing more damage. Still don't know why my roof was not covered either. Awful experience, avoid at all costs. Reviewed on: 26th February 2022

Household Insurance from a household name you can't trust!!

Claim Reference number SHAA01006224: Claim made on the 15th January 2022 for water damage as shower has obviously been leaking for a number of years, damage to floor boards and bathroom support beams. Do not insure anything with The AA, the offer no insurance what so ever and will do whatever they can not to pay. You get a claim handler that you can't contact. You are asked to communicate over the portal where messages are ignored! What sounds hard to believe is this so called insurance Company will not repair the leak but will repair the damage caused by the leak, this is written in their policy so this is fair enough, however the truth of the matter is they won't pay to repair the damage either! As soon as their surveyor arrived I knew that he had already decided that this claim would not be paid. I have asked for his full biased report and I am unable to get this. The reason for not paying is they state that the leak must have been there for a while, pretty obvious because the beams are rotten by water damage but how would I know that until I made the claim once water came through the ceiling and I removed the shower tray to uncover the damage! Calling your claim handler, leaving messages for her to call you is pointless. I called Friday 28th January 2022 waited over a hour for someone to answer and as soon as someone did they dropped the call. You can of course log a complaint with them, which I did, but no one actually asks you what you are complaining about and you are told that they will be in touch in 8 weeks after looking into the complaint that they know nothing about, which I am sure will come back with they will not be paying the claim! Everything about making a claim, getting it surveyed, approved, to resolve your house Emergancy is engineered to make sure that your claim is processed slowly, refused and when you complain they disappear! I will continue to fight this injustice and poor customer service / relations until someone takes note and I will update this review on my progress, as this Company cannot keep on taking the publics money and leaving them stranded without any assistance or help! I hope their recovery service is a bit better that their insurance services! Reviewed on: 1st February 2022

Terrible company

I’ve been with AA a few years and never claimed. I had a burst pipe in my upstairs bathroom which caused my living room ceiling to come down. I have emergency cover yet they couldn’t get me a plumber leaving me and my small children without water for 72 hours. When I tried to claim to have my ceiling fixed they told me I wasn’t covered due to pre existing damage. This pre existing damage (I told them about) was a small leak a few years ago that was fully repaired - so insignificant I could repair myself. I am so disappointed with the outcome of this and the very poor customer service I received. I would not recommend this company to anyone. Happy to take your money and do not provide the cover they have promised. Reviewed on: 17th November 2021

Massive price hike after first year

My insurance premium increased considerably after the introductory year, which meant it was unaffordable to pay an annual policy. Reviewed on: 5th September 2021

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