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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.
Hot Topics
- 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.
- What Parts of my Property are Unlikely to be Covered by Home Insurance?
- Home Insurance rarely covers swimming pools, plants, trees, paths, fences, gates and drives.
- How Do You calculate the rebuilding cost for your Home Insurance?
- You don’t need to! Both the companies that handle our Home Insurance will estimate your rebuilding cost based upon the information you provide and show you their suggested figure on screen.
- Do you have to buy your Home & Contents Insurance through your mortgage lender or mortgage broker?
- No, you can buy your Home and Contents wherever you choose. And you’re likely to make a significant saving buying here online.
- 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.
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.
Click below if you wish tread them: -
- What does Home Insurance cover? (also known as Buildings Insurance)
- What does Contents Insurance cover?
- Why is Home Insurance so important?
- Why is Contents Insurance so important?
- What parts of my property are unlikely tbe covered by Home Insurance?
- How can we promise you a really low price?
- How are the premiums calculated?
- Will the risk of flooding affect your insurance premium?
- When do you need to have your cover in place ?
- Will the risk of subsidence or land slippage affect your insurance premium?
- How Do You calculate the rebuilding cost for your Home Insurance?
- How Do You calculate the value for your Contents Insurance?
- Do You have to buy your Home & Contents Insurance through your mortgage lender or mortgage broker?
- Good Tips on Reducing Your Premium
- What information will you need to provide ?