AA Home Insurance Reviews


AA home insurance has been rated four stars by Defaqto and has a five-star rating from Moneyfacts. The company is also in the Trusted Service Award from Feefo, which indicates how satisfied its customers are with its service. The company offers three types of home insurance: contents cover, buildings cover, and combined buildings and contents cover. In addition, it offers two levels of cover and a range of flexible extras.

Defaqto rating

The AA is a long-established motoring association in the UK, formed in 1905. Its original aim was to provide advice and support to motorists, particularly those who had broken down, but today the AA provides a range of financial products, including home insurance. The Defaqto rating of AA Home Insurance is four stars, which means it is a solid choice.

This rating is essential because it helps you compare a product’s quality. Lower-rated policies expose you to unnecessary gaps in coverage, leaving you vulnerable to a claim. However, policies with higher Star Ratings are generally more comprehensive and provide more excellent value.

Customer ratings

The AA home insurance website encourages customers to leave feedback about their experience with the company. However, many of these reviews are written by new customers who haven’t interacted with the company. As a result, they tend to be positive in tone. Considering a new home insurance provider, it’s important to read customer reviews carefully.

The AA standard home insurance policy offers flexible limits and contents coverage. It also offers a flexible cost structure. The Home Insurance+ plan provides more comprehensive cover for valuable homes but lacks flexibility. Before purchasing this policy, evaluating your home’s contents and comparing it to the other options is essential.


AA Home Insurance has just published its eighth annual cost of living survey. The average cost of owning and maintaining a family home has increased by more than EUR1,000 a year. A home is a significant financial investment; an average household spends more than EUR17,000 yearly on it. This doesn’t include the cost of food, clothes, transport, or childcare. As a result, homeowners are feeling the pinch.


The voluntary excess is the amount you will have to pay for a claim. It can be as little as PS50, but in some cases, it can be as high as PS500. You pay this excess in addition to the compulsory excess. A higher voluntary excess will generally reduce your premium, reducing the insurer’s liability. However, it is essential to note that it will only save you money if you never have to make a claim.

The amount of voluntary excess will vary between insurance providers. For example, some may offer a PS50 excess, while others only offer a PS100 excess. In either case, the amount you pay will determine how much your premium is, so be sure to compare each insurer. However, you may not want to opt for a policy with a higher compulsory excess than you can afford.