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.

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When do you need your cover to be in place?
In most cases, you can be insured immediately online. If you don't want to be insured straight away, then that's no problem. You simply enter a future date you want the insurance to start.
How are the premiums calculated?
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.
Will the Risk of Flooding Affect Your Insurance Premium?
Yes it will have big affect on your premium.
Will the Risk of Subsidence or Land Slippage Affect Your Insurance Premium?
Yes either will greatly affect your premium.
How do you make a claim?
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.
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.

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