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.
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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