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AA: Home Insurance reviews

Name: Home Insurance
Rating: 3.03 (60 reviews)

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2.53

Based on 60 reviews, last reviewed 27th Mar 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

30%

23%

39%

Latest highest rating:

5

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

Latest lowest rating:

1

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 pr... Read more Reviewed on: 27th March 2025

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About this product

Protecting your home and its contents with a robust insurance policy is vital. Finding the right insurer for your needs is equally as important. We collect AA home insurance reviews to help you make an informed decision when taking out your new policy.

AA offers combined buildings and contents policies. You can choose between Home Insurance and Home Insurance Plus, depending on your needs from a policy. You can also opt for legal expenses cover and home emergency cover as additional extras. AA offers ‘new for old’ replacement on covered items, included within the standard level of cover.

Does AA sound like the right insurer for you? Read our AA home insurance reviews to see how genuine policyholders rate their experiences. Find out what levels of cover they selected and how satisfied they were with the price of their premium. Discover if they would renew their policies and recommend AA to friends and family. Customer reviews can provide the insight you need to make a smart decision when choosing your new provider.

Have you had a home insurance policy with AA? Did you opt for the standard level of cover, or for Home Insurance Plus? Did you add on either of the additional extras to your policy? Did you have any experience with AA’s customer service? Did you need to make a claim, and if so, how well was it dealt with? Did you use the ‘new for old’ promise, and if so, did it live up to expectations? Were you satisfied with the service you received as an AA policyholder and would you recommend the provider to others?

Write an honest AA home insurance review on Smart Money People today.

AA Home Insurance reviews (60)

Review of the AA, Home Insurance:

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

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

Best quote

Already have my car insurance with them so decided to compare my home insurance and for much better cover got a cheaper price than my existing insurance company Reviewed on: 23rd August 2023

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