AA Holiday Homes - The AA

Frequently Asked Questions

We have listed below a number of the questions that are often raised when a holiday home is being insured. If your question is not answered then please do not hesitate to contact our Sales Team on 0844 8921464 , they are available Monday to Friday 8:30am to 5.00pm.

Does the policy provide Liability cover?

If your property is in the UK you will, subject to the Limit of Indemnity, be indemnified against all sums for which you may be legally liable to pay in respect of:

  • Accidental Bodily injury to any person
  • Accidental loss of or damage to property not belonging to you or in your custody or control or any of your tenants or employees occurring on or about the home
  • Death, bodily injury or disease of any domestic employee.

Certain conditions and exclusions apply for which you should refer to the policy wording.

If your holiday home is outside the UK, please check your Policy Schedule and Policy Wording to see how liability cover applies to your specific country.

How much should I insure my Holiday Home for?

It is up to you to make sure that the amounts you insure for represent the full re-building cost of the building(s) and the full replacement costs as new (less an amount for wear and tear on clothing and household linen) of the contents concerned. Remember, if you underinsure, claim payments may be reduced. You can change your sums insured at any time – you do not have to wait for renewal.

What does "New For Old" mean?

With a claim under your contents insurance, in most circumstances the insurer will choose to either pay for (a) the cost of repair or (b) the full replacement cost as new less an amount for wear and tear and depreciation on clothing and household linen. 'New for old' refers to the explanation at (b).

Do I need to specify any valuables?

We would recommend that you check your main household policy to see if it covers items outside of your permanent residence. This cover is often referred to as All Risks.

If you keep any items permanently in the holiday home that are not covered by other insurances and they exceed the single article limit then we will need to specify them on the policy schedule.

Do I have Accidental Damage cover?

Cover for Accidental Damage is only included if you answered 'Yes' to either of the Accidental Damage questions on the first page of the quote form. If you answered 'Yes', whilst the property is occupied by the insured or family members then most types of accidental damage cover are given to both buildings and contents.

What is meant by the terms 'unoccupied' when used within the Policy wording?

Your Holiday Home is classified as unoccupied if:

  • it is insufficiently furnished for normal occupation
  • it is furnished for normal occupation but has not been lived in for more than:
    • 30 consecutive days or
    • 7 consecutive days between 1st November and 31st March inclusive.

Is Legal Advice included within your policy?

We offer a free legal advice telephone line for UK Policies only, that is available 24 hours a day, seven days a week, 365 days a year!

How much do I have to pay in the event of a claim?

A standard excess of £100 (to reduce your premium, you have the option to increase this standard excess by certain amounts) is applicable to all claims except for subsidence claims where the excess is £1,000. Other excesses may apply and are explained in your policy schedule and /or policy wording. If these other excesses are greater than the standard excesses, then the standard excesses of £100 (or the higher amount that you have chosen) and £1,000 will not apply.

What should I do in the event that I need to make a claim?

We understand that in the event of an incident occurring then making a claim can be stressful and we aim to make the process of settling a claim as quick and painless as possible. You should contact our Insurers Claims Team as soon as you think that you may need to make a claim, they are available from Monday to Friday 8:30am - 5.00pm on 0844 8921464 who will be happy to help you and explain the process that you need to follow. In the event of a theft, malicious damage, vandalism or loss of property occurring then you must notify the local police station and obtain a crime reference number immediately or within 24 hours of the loss occurring or being discovered.

24 hour Helpline

Don't forget that our 24 hour helpline is available to help you arrange for assistance or repairs as a result of any domestic emergency (you are responsible for any fees incurred by the use of the repairers arranged).

In the event that I need to cancel my cover what do I do?

You will, for a period of 14 days from the date you receive your policy documentation or the date you entered into the contract (whichever is later) have the right to cancel this policy and receive a refund (unless you have made a total loss claim). This refund will be subject to a charge for the period of cover you have received plus reasonable administration charges, except where cover has not commenced prior to the end of this 14 day period, in which case you will be entitled to a full refund of the premium you have paid. Beyond the above period, you will be entitled to cancel this policy, however further terms and conditions will apply in these circumstances. Full details of the action you need to take and the conditions upon which this rights applies are included within your policy document.

If you have any other queries or wish to discuss any of the points covered above further then please don't hesitate to contact the Sales Team on 0844 8921464 or send an email to customer.services@aaholidayhomeinsurance.com.