All the questions you are asked to complete online will influence your premium even down to your postcode. Within milliseconds all your details will be electronically transmitted to a main computer which works out your premium.
Most insurance companies now have emergency help lines. In our experience they are very efficient and will tell you what to do – sometimes they'll even make all the arrangements for you.
Are there any circumstances that may mean
you cannot get Home & Contents Insurance?
Yes. If your property is in an area which experiences frequent flooding or land slip you will find it hard to obtain insurance. Flats in high-rise blocks and properties in certain parts of the country may also experience problems obtaining cover.
Other factors that prevent you from obtaining insurance include a history of claiming (Insurance Companies swap information about claims history).
Some insurers have an upper limit to the value they will insure. However, if you have a very expensive property, this should not mean you can’t get insurance but you may have to shop around.
Frequently Asked Questions related to the above topic.
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