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AA Home Insurance: Policy Summary

Policy Features AA COMMON PRODUCT (Owner Occ) AA COMMON PRODUCT (Rental Investment Property) AA COMMON PRODUCT (Holiday Home) Liberty Policy (All Policy Types) Allianz Policy (All Policy Types) AXA Policy (Owner Occ Economy – Excludes Escape of Water Cover) AXA Policy (Owner Occ Standard) AXA Policy (Owner Occ Privelage) AXA Policy (Rental Investment Property) AXA Policy (Holiday Home)
Accidental Damage Buildings Optional X Optional Optional Optional Optional Optional Optional X Optional
Accidental Damage Contents Optional X Optional Optional Optional Optional Optional Optional X Optional
Public Liability €3,000,000 €3,000,000 €3,000,000 €2,600,000 €3,000,000 €3,000,000 €3,000,000 €3,000,000 €3,000,000 €3,000,000
Personal Accident €35,000 X X Fatal Injury Benefit – €5,000 Fatal Injury Benefit – €10,000 X X X X X
Rent & Alternative Accomodation up to 15% of BSI & CSI up to 15% of BSI & CSI up to 15% of BSI & CSI up to 15% of BSI or CSI up to 15% of BSI or CSI up to 20% of BSI up to 20% of BSI up to 20% of BSI up to 20% of BSI up to 20% of BSI
Door Locks €1,000 €1,000 €1,000 €650 Sum Insured €750 €750 €750 €750 €750
Trace and Access €700 €700 €700 €650 €750 €750 €750 €750 €750 €750
Fire Brigade Charges €3,000 €3,000 €3,000 €2,000 €3,000 €3,000 €3,000 €2,600 €3,000 €3,000
Deep Freezer Contents €2,000 X X €700 €750 X €750 €750 X X
Glass Breakage Sum Insured Sum Insured Sum Insured Sum Insured Sum Insured Sum Insured Sum Insured Sum Insured Sum Insured Sum Insured
Contents in Garden €700 €700 €700 €650 €1,000 €750 €1,000 €750 €1,000 €1,000
Contents in outbuildings €3,000 €3,000 €3,000 €5,000 Sum Insurer 10% of CSI 10% of CSI 10% of CSI X 10% of CSI
Title Deeds €700 €700 €700 €750 €2,000 €2,000 €2,000 €1,300 X X
Jury Service €700 X X €25 per day – €700 limit X €750 €750 €750 X X
Wedding Gifts / Christmas Gifts Additional 10% of CSI X X Additional 10% of CSI Additional 10% of CSI Additional 10% of CSI Additional 10% of CSI Additional 10% of CSI X X
Loss of Oil €1,000 €1,000 €1,000 €750 €6,000 X €750 €750 X X
Visitors Personal Effects €700 X X €1,000 €2,000 €2,000 €2,000 €1,500 X X
Credit Cards €1,000 X X €1,500 €650 X €1,500 €1,500 X X
Protected No Claims Bonus 1 claim up to €3,000 X X X X X X X X X
Personal Money €400 X X €500 €750 X €750 €750 X X

Enhanced Benefits

Exclusive to existing AA Members

Policy Features AA COMMON PRODUCT (Owner Occ) Liberty Policy Allianz Policy AXA Policy (All Policy Types)
Personal Accident €55,000 X X X
Personal Money €1,000 X X X
Protected NCD €6,000 X X X

AA Home Emergency Rescue

AA Home Emergency Rescue is included in all AA Home Insurance policies that are purchased or renewed on/after May 1st 2023.  View the Insurance Product Information Document (IPID) here.