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Can you be insured straight away online?
If your home is a little unusual in some way, for example its construction is none standard or you want a particularly high level of insurance, then your details may have to be considered individually.
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.
How Do You calculate the value for your Contents Insurance?
Ideally you should compile a detailed and thorough inventory of all your contents. This enables you to work out how much to insure for and, if you have a claim, your claim will be settled so much quicker.
Good Tips on Reducing Your Premium
If you feel that the only way to reduce your premium is to reduce the cover, then think again.
Complaining about a Home & Contents Insurance Company
The general insurance industry is now regulated by the Financial Services Authority.

Complaining about a Home & Contents Insurance Company

The general insurance industry is now regulated by the Financial Services Authority.

 

If you have suffered a financial loss and you cannot reach an agreement with the insurance company concerned then, you will be able seek compensation through the Financial Ombudsman which offers a free independent service. Their web site is at:

www.financial-ombudsman.org

Any other complaints about insurance companies should be addressed to the Financial Services Authority. You’ll find their web site at:

www.fsa.gov.uk

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