My property is let/sublet, can you provide cover?

Yes we can, subject to underwriting criteria.  Please call us on freephone 0345 872 3614.

Can you insure my property if it is permanently unoccupied?

No we can’t, although there are insurers in the market who do.

If my home is going to be unoccupied for more than 90 days; do I need to notify you?

Yes, you will need to arrange extended un-occupancy cover, please call us on freephone 0345 872 3614

Do you insure second homes?

Yes we do, subject to underwriting criteria relating to un-occupancy.

I have a holiday home, can you provide cover?

Yes we can, subject to underwriting criteria.  Please call us on freephone 0345 872 3614

Will you insure my home if it is also used for business purposes?

In some instances, although it varies from insurer to insurer. Please call us on freephone 0345 872 3614

Do you cover mobile homes?

No we don’t, although there are insurers in the market that do.

Do you provide listed buildings cover?

In some instances, although it varies from insurer to insurer. Please call us on freephone 0345 872 3614

Are outbuildings included in my buildings insurance e.g. shed, garage?

Yes they are, subject to underwriting criteria.  Please call us on freephone 0345 872 3614

Can you cover my contents away from the home on a day-to-day basis?

Yes we can, subject to underwriting criteria.

Do you cover for an unlimited amount of contents?

Unfortunately not, you will be expected to provide some extra information in this area.

Am I limited to a maximum single article limit?

Yes, items valued in excess of a single article limit will need to be specified on the policy. Single article limits vary from insurer to insurer. Please call us on freephone 0345 872 3614

Do you provide cover for accidental damage?

Yes we do. Please call us on freephone 0345 872 3614

Do you cover items away from the home e.g. on holiday?

In some instances, although it varies from insurer to insurer. Please call us on freephone 0345 872 3614

Can my child’s personal belongings be covered if they go to university?

In some instances, although it varies from insurer to insurer. Please call us on freephone 0345 872 3614

Do you offer short term/temporary home insurance?

No we don’t provide this cover, although there are insurers in the market that do.

Can I ‘freeze’ my home insurance?

No, we only offer the option to cancel if you no longer require your home insurance.

Can I upgrade my policy cover mid-term?

In some instances, although it varies from insurer to insurer. Please call us on 0344 225 1349.

Can you insure my home if it has a flat roof?

In some instances, although it varies from insurer to insurer and is dependent upon the percentage of roofing that is flat. Please call us on freephone 0345 872 3614

My home is an area with a history of flooding; can you offer me buildings and contents insurance?

In some instances, although it varies from insurer to insurer. Please call us on freephone 0345 872 3614

My home has a history of subsidence; can you offer me buildings insurance?

In some instances, although it varies from insurer to insurer. Please call us on freephone 0345 872 3614

If I move home do I need to take out a new insurance policy?

In most instances no, however, it would be subject to underwriting criteria. Please call us on 0344 225 1349.

Do I get a refund of my insurance premium if I wish to cancel my home insurance, but have already paid in full?

Yes, you will be refunded for the months remaining, subject to a cancellation fee.

Can I earn no claim bonus on a home insurance policy?

Yes you can.

Can I protect my no claim bonus?

Unfortunately not.

If I have had a fault claim but my no claim bonus was protected, do I have to disclose it?

Yes you do.

Do I need to tell you about any criminal convictions that I may have?

Yes, failure to do so could invalidate your insurance.