Home Insurance

Overview

Insurance can be a difficult and confusing business and many of the big comparison sites will claim to make it easier for you. Our experience is that you end up following a process that leaves you unsure whether all your circumstances are covered, and a lack confidence that you are being properly covered when you most need it.

Learn more about our home insurance cover and offers whilst taking the uncertainty out of it. Alternatively call our experts today 0845 300 2511 who will help you to be covered properly and cheaply.

Exclusions and limitations apply. Our expert advisers will aim to get the most appropriate cover for your individual needs. We'll talk you through exactly what's covered and what's not, including any limits that apply when you call for a quote.

THE RIGHT COVER

• Your cover is tailored to suit your particular circumstances.
• You receive the best quote from our panel of insurers - the legwork is done for you.
• Religious Festivals and Wedding Gifts – the sum insured for contents is automatically increased by £3,000, during your Religious Festivals and for a month before your wedding day to cover wedding gifts.
• If your wallet's lost or stolen, (either here or abroad) you're covered up to £750 in cash. (If personal possessions insurance is taken).
• If someone else uses your credit, debit or cash cards, we'll cover you up to £1,000. (If personal possessions insurance is taken).
• Spoilage of food in freezers (up to £1,000).     
• Alternative accommodation following an event (for which you are insured) if your home becomes uninhabitable (up to £25,000).
• Extend your policy to include full Accidental Damage cover, insuring you against all those all-too-common household accidents.
• Accidental damage to TV's, audio, video, computer equipment and home-working equipment (Included as standard).
• Accidental breakage of mirrors, ceramic hobs and any glass that's a part of your furniture (Included as standard).
• You’re also covered for replacement locks and for legal expenses and will be provided with an identity theft helpline (Included as standard or optional extra depending on policy).

THE RIGHT PRICE

• Call for a no-obligation quote.
• Your cover can start the moment you say 'Yes'.
• Smart payment options - either pay in full by credit or debit card, or pay monthly by direct debit**.
• You can earn up to a 30% no claims bonus for 5 or more claim free years.
• Plus claim up to 20% discount for combined Buildings & Contents Insurance (main premium is calculated first and then discount is applied).

EXCLUSIONS AND LIMITATIONS

• Exclusions and limitations apply. These will vary between policies.

KNOW WHAT NEEDS INSURING

Consider the full replacement cost of everything you want your insurance to cover. The bigger and more expensive items are obvious, but don't forget your clothes, crockery and CD collection. The best way to make sure you don't miss anything important is to make an inventory of each room in your home.

MAKE SURE YOU'RE COVERED

Check that your buildings insurance only covers you for the rebuilding cost of your home, and not its resale value. The rebuild figure will almost certainly be less, and this should be reflected in the premiums you pay. There's no point in being over-insured.

MORE IS LESS

Insure your Buildings and Contents under one policy, and you could save on your premiums. And if you make a claim which affects both buildings and contents (e.g. a fire or flood) you'll only have to pay the excess on one of the policies.

DISCOUNT FOR CONTENTS & BUILDINGS COVER

Insure your Buildings and Contents under one policy, and receive a discount on your premiums of up to 20% (main premium is calculated first and then discount is applied).

UP TO 30% NO CLAIMS DISCOUNT

If you have 5 or more years without making a claim, we'll give you up to 30% no claims bonus.

DISCOUNTS FOR CAREFUL HOMEOWNERS

If you're a member of a Neighbourhood Watch Scheme, or your home has a burglar alarm, then you could be eligible for an extra discount on your premiums.