AA are brokers. Most travel insurance is sold through brokers/agents. It is vitally important to be honest with insurer when taking out the policy. If you are honest, then the claim will be paid. Insurance is for misfortune and not certainty. Some people take out travel insurance to cover medical expenses, but might not disclose that they are on medication/awaiting tests and/or test results etc. If you later have a medical claim, it might not be dealt with as the insurer was not given the correct information.
cancellation cover or emergency repatriation is another that causes problems. If you have a relative (as described in the Policy) who is ill and you do not mention that, then in the event of that person dying, you might not be covered.
travel, home, motor - they are all the same - you must disclose anythhing and everything that might affect the underwriting of the policy.