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Home Insurance Advice
Take our advice on how to insure your home. This article covers Premiums, Excess, Indexation and much more.
Household Insurance
We are dedicated to finding you high quality and good value buildings and
contents insurance to help cover your household under any circumstance.
We understand that your house and the contents you've worked hard for are of
huge value to you, which is why we offer cover rated 5 Stars by independent
financial data collection and research company Defaqto.
Our household insurance includes:
Replacement of contents on a new for old basis
Accidental Damage
Cover without an ‘average’ clause following survey
The contents sum insured increased relative to the Retail Price Index
Lock replacement
Free 24 hour helpline
Home Protection Tips
Read our tips to help protect your home from burglary, fire and under insuring the value
of it’s content.
Policy Features
The phrase 'new for old' is used to describe the process of replacing a lost old item with a sufficient amount of money to allow you to buy a new replacement. We will replace contents on a new for old basis (a deduction will be made for wear and tear on clothing and linen)
We provide cover for the accidental damage of:
Audio & Visual equipment
Computers
Business equipment
Glass
Following a survey we can provide cover without an 'average' (under insurance) clause meaning that even if you are unintentionally under insured, the policy will still pay out the full sum insured.
We will increase the sums insured throughout the policy term in line with the Retail Price Index for contents, and House Rebuilding Cost Index produced by the Royal Institution of Chartered Surveyors for the buildings, both with no additional premium being charged.
We will pay for your locks to be replaced if you loose your keys.
24 hours, 365 days a year, access to a help desk able to advise on any personal legal matter. Also a domestic helpline to provide assistance service in connection with domestic emergencies. In addition, help with other problems that cause inconvenience by finding a local contractor to carry out any necessary repairs together with an emergency service for broken windows.
Find out more
For further information about our policies, a no obligation quotation or just an informal chat about your needs please contact us:
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