• Frequently Asked Questions



Policy cover

For an additional cost you can choose to protect your home (buildings) and its contents against accidental damage.The choices available are usually:
  • no accidental damage cover
  • limited accidental damage cover – This usually covers you for accidental damage to glass, sanitaryware and fixed glass.
  • extra accidental damage cover – This covers you for any other accidental damage
Examples of accidental damage to the building include: drilling into a pipe or cable, damage to a kitchen worktop caused by a hot pan or children drawing on the walls.Examples of accidental damage to contents include: damage caused by spilling food or drink on your carpet or accidentally knocking over an ornament.

If you have selected home emergency cover on your policy then you may be covered for the repair of the leak.

Some policies offer cover for tracing and accessing the leak and will pay reasonable costs.  For this to come into force there has to be damage to your buildings caused by the water, otherwise the cover will not apply.  In this instance you could contact a local plumber to find and repair the leak.  Ask them to show the cost of the repair on the invoice and the cost of tracing and accessing the leak separately.

Under Buildings cover is usually provided for loss of, or damage to the building caused by an escape of water.  Likewise under Contents cover, your contents would be insured against the same cause of damage.

You need to ensure that your property has not been left unoccupied for longer than the term specified on your policy.  If you are going to leave the property for more than the specified time you need to contact your insurer to check they will still provide cover.  If they still offer cover they may add endorsements to your policy.  Please ensure you read and understand these.

Categories: Claims, Policy cover

The majority of insurers will offer this cover.  This is an addon and you will have to pay extra for this cover in addition to your main cover.

Category: Policy cover

Loss or damage to satellite dishes due to an insured event such as fire, theft or storm is usually covered under the contents section of your policy.

Category: Policy cover

On most policies bicycles are covered under Contents cover as standard, but only while inside your home or its boundaries (loss of bicycles in the garden is usually excluded and limits apply for theft from outbuildings).
If you need cover outside of your home then you will need to select cycle cover which includes cover for bicycles when outside of the home.

A limit will apply so ensure you select the right limit for your bicycle(s).

Categories: Bicycles, Policy cover

Some policies such as Barclays You Shaped and TSB Pick and Protect offer cover to meet your requirements.  This might be for personal items, gadget, etc.

Some insurers offer this facility but some have a standard amount they cover.  Check direct with the insurer.

Category: Policy cover

You can take out contents and buildings policies separately if you wish, simply select the cover required when obtaining a quote. Please see our other question 

Policy cover

It makes sense to have both buildings and contents cover with the same insurer because if you need to make a claim you will usually only have to pay one excess.  If your cover is split then you will have to pay an excess to each insurer.

If you need to make a claim which damages your home and contents it is a lot easier to deal with one company rather than two.

Category: Policy cover

Category: Policy cover

This cover is usually offered by specialist insurers or by contacting an insurance broker.

Category: Policy cover

If you have a credit or debit card or the facility to pay by Direct Debit the insurer can usually offer you immediate cover which this is subject to normal terms and conditions.

Category: Policy cover

Some insurers will allow you to insure a second property although they might add endorsements to the cover.  If the property is going to be unoccupied then there may be some exclusions which the insurer will not cover.

Category: Policy cover

You are unable to insure the contents of fully-furnished rented accommodation.  This is usually the Landlord or Managing Agent’s responsibility.

You can insure your own personal contents as normal.

Category: Policy cover

Some insurers will provide limited cover if you let your property.  Another option is to choose a landlord policy.

You could either contact a local insurance broker who could look for this type of cover for you or contact an insurer such as Direct Line who provide landlord cover.

If you have approved security locks or a professionally installed and annually maintained alarm system, some insurers may be able to discount your premium.

Category: Policy cover

During periods of heavy prolonged rain, listen to local radio or television for flood warnings.  You can also call the Environment Agency’s Floodline on 0345 988 1188 or check the Environment Agencies website.

Categories: Flooding, Policy cover

Your contents insurance should cover the cost of replacing all your household goods and personal belongings (at home) as new.

Category: Policy cover

Your buildings insurance should cover the full rebuilding cost of your home (including garages and outbuildings) and not the market value, which could be very different.  Assessing the full rebuild cost of your property can be difficult.  The Association of British Insurers (ABI) have a calculator you can use.  Please note you have to register with them to use this.  If you are unsure what the rebuilding cost should be, we recommend that you seek professional advice from a qualified surveyor.

Your contents insurance should cover the cost of replacing all your household goods and personal belongings as new.  It can be difficult to assess this cost however you need to ensure you are not underinsured.

Category: Policy cover

This depends on your insurer.  You will need to check with your insurer.

Moving home can affect your premium because of the change of postcode and the associated risks which are taken into account when setting a premium.

Insurers provide quotes for homeowners in all parts of the country.  If your home is in an area with a known history of flooding or subsidence, insurers will require further details from you to assess what cover they may be able to offer.

If your home or any part of it is lent or let you should check with your insurer because this may affect your cover.  Some insurers may not be able to offer cover.

Category: Policy cover

Contents insurance provides cover for home computers and laptops, etc.  If would like accidental damage cover then you will need to add accidental damage cover to the policy.

If you have a laptop or tablet, etc which you take outside of the home then you will need personal belongings cover.  Personal belongings offer cover for theft, loss or accidental damage which usually covers you within the home and anywhere in the world.

Please be aware that personal belongings has a single article limit.  This means that the limit is the most the insurer will pay for one item.  If you have an item greater than their limit you will need to specify the item on the policy and advise the insurer of the value.

 

Category: Policy cover

The definition of Valuables doesn’t include TV, video or audio equipment irrespective of its value.

Category: Policy cover

Some insurers will not provide cover for properties which have been underpinned.  Assuming a subsidence claim was made and covered then the insurance company would have arranged the underpinning.

You could contact the insurance company who covered the claim to enquire whether they will provide cover or you could contact a specialist insurer.

It makes sense to have both buildings and contents cover with the same insurer because if you need to make a claim you will usually only have to pay one excess.  If your cover is split then you will have to pay an excess to each insurer.

If you need to make a claim which damages your home and contents it is a lot easier to deal with one company rather than two.

Category: Policy cover

Public liability insurance usually covers you when you are being held responsible to a person or property, as the owner or occupier of your home. For example, buildings insurance usually covers you as the owner of the home for claims such as a tile falling off of your roof and injuring a visitor.

Contents insurance covers you and your family as the occupiers of the property and would usually cover for things like a visitor tripping up over a loose rug. Under contents insurance, you may be covered for personal liability for claims such as you accidentally poking someone in the eye with your umbrella.

For full terms and exclusions please refer to your document of insurance.

Category: Policy cover

You should contact the insurance company so they can update the policy.  There may be certain endorsements which they will add to the policy.

Category: Policy cover

An Endorsement is a term used to describe an amendment to a policy document.  An endorsement is sometimes referred to as an Addendum.

Its purpose is to record any change to the original terms of the insurance so as to reflect the negotiated agreement between the parties.  An endorsement may either be attached to the policy or included in the policy document, usually towards the back.  It may be used to vary the terms of a standard policy in which case it will be attached from the inception of the cover or it may be added to the policy during the term of the policy to reflect a mid-term change in the cover.

Endorsements are usually used to

  • Extend cover
  • Restrict cover
  • Exclude cover
  • Clarify intentions

Endorsements are part of the contract of insurance and are governed in the same way; by contract law.

If a policy has been amended by endorsement at inception then it will override the original terms of the policy, as applicable, to reflect the true intention of the parties to the contract. It will be assumed (in law) that the amendment was a deliberate act and the effects of the change had been considered and were intended.

Insurers offer buildings, contents, personal belongings, cycle cover and family legal protection. In addition, there is the option to include accidental damage cover to buildings and/or contents to the standard cover.

The personal belongings section covers the everyday items that you take outside of your home, such as jewellery, clothing, watches,  and any other items you normally wear, use or carry (limits apply).  Family legal protection provides cover up to the specified amount of legal costs to pursue claims such as personal injury, employment disputes, contract disputes and property disputes.  If you need any items to be specified on your contents policy such as any high-risk item or valuables over the insurer’s limit you need to inform your insurer along with the value so they can be specified on your policy.

Category: Policy cover

You need to tell your insurer about individual items with a replacement cost of more than the Single Article Limit and which fall under the definition of valuables or personal belongings.  Valuables usually include jewellery, watches, furs, items or sets or collections of gold, silver or other precious metals, works of art, sets of stamps or coins or medals all belonging to you or any member of your family.

The questions that are asked are all relevant to the way in which insurers both underwrite and calculate the premium.   Your name and date of birth also act as a reference allowing insurers to identify you on their database.

Categories: Policy cover, Quotes

Adding solar panels should not affect your insurance.  However, it is always advisable to check with your insurer.  Damage to solar panels would be covered under the buildings section of your policy so it is important that you ensure that the buildings sums insured is adequate to include the replacement cost of such items.  If they become accidentally damage then you would need the correct accidental damage to cover this event.

If you pay your premium in full each year then the policy will not renew unless you pay the premium again.

If you pay monthly by direct debit then your policy may continue and renew automatically.  Check your documents or call your insurer to check.

Category: Policy cover

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