AA Home Insurance Contact Number and Key Lines

The AA home insurance contact number for general enquiries is 0370 533 2211, open to existing customers and new enquiries at standard UK call rates. If you need to claim, the AA claims line is 0370 606 1617; to discuss a renewal or upgrade, call 0800 107 9068. Because the AA arranges cover through a panel of underwriters rather than insuring you directly, some claims are handled by the specific insurer named on your Statement of Fact, so it is worth having your documents to hand before you dial.

Below are the full set of AA home insurance numbers, opening hours, call costs and how to reach the right team from abroad or in an emergency. We also explain the difference between a broker and an underwriter, how much home insurance typically costs in 2026, and how to check you are on the right cover before you renew. Free Price Compare sources its data from the ABI and FCA and compares home insurance from a panel of 42 UK providers.

Last updated: September 2026

Written by the Free Price Compare editorial team | Reviewed September 2026

Every AA home insurance number at a glance

The AA runs separate phone lines for enquiries, claims, renewals and emergencies, so calling the right number first saves time. The general enquiries line is 0370 533 2211, charged at the standard UK landline rate, with mobile costs varying by network. Freephone 0800 numbers apply to renewals and to the emergency helplines, which are free to call.

Numbers are indicative and may change; check the contact details printed on your own policy documents before calling.

Not sure your current cover is competitive? You can compare home insurance quotes from 42 UK providers before you commit to a renewal.

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Which number do I call to make a claim with the AA?

To make a home insurance claim with the AA, call 0370 606 1617. This line also handles cancellations. Before you call, have your policy number and the details of the incident ready, as the AA will either register the claim or point you to the underwriter that actually holds your policy.

The AA is an insurance broker, which means it arranges your cover through a panel of underwriters rather than insuring you itself. For some policies the AA’s own claims page publishes no number at all and instead tells you to register the claim directly with the insurer named in your Statement of Fact. You can find your underwriter’s phone number in the “If you need us” section on the back of the letter that came with your policy documents, or by logging into your online account.

This matters for weekend claims. The AA-underwritten claim update line, 0330 102 8795, is open Monday to Friday 8:30am to 5pm and closed at weekends and on bank holidays. For urgent out-of-hours problems such as an escape of water or storm damage, use the 24/7 emergency helplines instead if you hold that optional cover.

What number do I call to renew AA home insurance?

To renew AA home insurance or request an upgrade, call 0800 107 9068, which is free from UK landlines and mobiles. Renewal is also worth treating as a moment to shop around rather than accept the quoted price automatically.

Renewal quotes can rise sharply from one year to the next even without a claim, driven by wider claims inflation rather than anything you have done. According to the Association of British Insurers (ABI), the average combined buildings and contents premium was £383 a year in April to June 2026, around 2% lower than the same period in 2025, so a large jump on your renewal is worth costly. Before you renew, it is sensible to compare cover levels across other insurers to check you are not overpaying for loyalty.

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What are the AA home insurance opening times and do calls cost anything?

AA home insurance opening times vary by line: the AA-underwritten claim update line (0330 102 8795) runs Monday to Friday 8:30am to 5pm and is closed on Saturdays, Sundays and bank holidays. The two Home Emergency helplines are the exception and operate 24 hours a day, every day.

On call costs, calls to the 0370 general enquiries number and the 0370 claims number are charged at the standard UK landline rate, with mobile charges depending on your network and tariff. The 0800 renewal line and the 0330 053 0394 and 0800 316 3983 emergency helplines are free of charge. If you are watching your minutes, an 0800 line costs nothing while an 0370 line comes out of your inclusive allowance on most mobile plans.

How do I contact the AA about home insurance from abroad?

To contact the AA about home insurance from abroad, dial +44 370 533 2211. You take the standard UK enquiries number, drop the leading zero and add the international dialling code +44 in its place. International call rates from your provider will apply.

If you have an emergency at your UK property while you are away, such as a burst pipe or a break-in, and you hold Home Emergency Cover, the 24/7 helpline on 0330 053 0394 can arrange help. Reaching an 0330 number from overseas may not be free, so check your provider’s international charges first. Keep a note of your policy number and the emergency line saved in your phone before you travel.

Can I contact the AA online instead of by phone?

Yes, AA home insurance customers can manage most tasks online through the MyAA account, including viewing documents, checking renewal details and finding the correct underwriter contact number. Logging in is the quickest way to locate the exact insurer handling your policy, which the phone lines will otherwise ask you to identify.

Online self-service is useful outside opening hours, when the weekday-only claim update line is closed. For anything urgent, though, a claim or an emergency still needs a phone call to the relevant line. If you are weighing up an insurer on service quality rather than price alone, our guide on common home insurance questions answered covers what to look for in claims handling.

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Home emergency cover: what to expect

Home emergency cover is an optional add-on that pays for a tradesperson to attend and carry out temporary or emergency repairs when a sudden problem makes your home unsafe or uninhabitable, such as a burst pipe, boiler breakdown, roof damage or a broken lock. The AA runs two 24/7 helplines for this: Home Emergency Cover on 0330 053 0394, and Home Emergency Response on 0800 316 3983 for Home Insurance Plus customers.

Home emergency cover is not the same as your buildings or contents policy. It typically covers the call-out and an initial fix up to a set limit, not the full permanent repair, which then usually falls under your main policy subject to your excess. Read the policy limits and exclusions carefully, because damp and gradual deterioration are commonly excluded rather than treated as sudden emergencies.

One important safety point: in a gas emergency, call the National Gas Emergency Service on 0800 111 999 immediately. This is a public 24/7 line, not an AA number, and takes priority over any insurance helpline. For a wider view of how everyday habits affect claims, see our piece on how long absences can affect home insurance claims.

How much is home insurance per month in the UK?

Home insurance in the UK costs around £32 a month for a typical combined buildings and contents policy, based on the ABI average of £383 a year for April to June 2026. Monthly instalments usually add interest through premium finance, so paying annually is normally cheaper if you can afford the lump sum.

Prices vary widely by property, location, rebuild cost and claims history. The ABI’s Property Insurance Premium Tracker analyses around 15.5 million policies a year and reports prices actually paid, so it is a more reliable benchmark than a quoted headline figure. Claims costs are climbing: ABI data shows the average household claim topped £7,000 for the first time in April to June 2026, with weather-related claims reaching £8,548, which is part of why premiums have held broadly steady rather than falling faster.

The Financial Conduct Authority (FCA) concluded its premium finance market study on 3 February 2026, finding the falling cost of monthly instalments was saving consumers around £157m a year, but paying monthly still costs more than paying once. To hold your price down at renewal, it pays to review your buildings and contents cover so you are not over-insured on either.

Getting the sum insured, excess and exclusions right

The sum insured is the maximum your insurer will pay out, and getting it right matters more than chasing the lowest premium. For buildings cover it should reflect the rebuild cost of your home, not its market value; for contents it should reflect what it would cost to replace your possessions new. Under-insuring risks a reduced payout, while over-insuring wastes money.

The excess is the amount you agree to pay towards each claim before the insurer covers the rest. A higher voluntary excess lowers your premium but leaves you paying more when you claim, so set it at a level you could afford. Exclusions are the situations a policy will not cover, and common ones include wear and tear, gradual damp, and damage from lack of maintenance.

Compare policies on cover and Defaqto rating, not price alone. If you have made a claim before, you must disclose it honestly under the Consumer Insurance (Disclosure and Representations) Act 2012, or you risk a claim being refused. When you are ready, you can get a home insurance quote in about five minutes and see cover levels side by side.

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What to do if you have a complaint

If you have a complaint about AA home insurance, raise it first with the AA using the general enquiries line on 0370 533 2211 or in writing, giving your policy number and a clear account of the issue. The insurer has eight weeks to resolve a complaint before you can escalate it.

If you are not satisfied with the response, or you do not hear back within eight weeks, you can refer the complaint free of charge to the Financial Ombudsman Service. AA Home Insurance is arranged by Automobile Association Insurance Services Limited, which is authorised and regulated by the FCA under Financial Services Register number 310562. Keeping a written record of every call, including dates and reference numbers, strengthens your case if you do need to escalate.

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Information correct as of 26 September 2026. Prices, tariffs, policy details and providers change frequently, so please check the latest details before making a decision. This article is for general information only and does not constitute financial advice. Free Price Compare is authorised and regulated by the Financial Conduct Authority (FCA).