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.
Good Tips on Security: It pays to make your home safe and secure. Your insurance will be cheaper and the thieves are less likely to come visiting.
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.
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.
Are There Any Situations That Would Result In Your Claim Being Refused?: First of all please ensure that you answer all the online questions accurately. If you don’t then the insurance company is entitled to refuse any claim.

Do I need Home & Contents Insurance?

It is essential to get Buildings Insurance when you buy a property – to protect your home from an unexpected disaster such as flood, hurricane or subsidence.

If you do suffer unexpected damage to your home, you will still have to continue paying the mortgage if your home is severely damaged and you will also have to pay for the damages – this is why Buildings Insurance is essential. Lending institutions usually require mortgage customers to purchase homeowners insurance – they are protecting themselves because if your property is badly damaged and you can’t afford the repairs or the mortgage, your lender will not make their money back if they have to repossess and sell the house.

Contents Insurance is a personal choice however, it is up you if you want to protect your valuables inside your home, as they will not affect the value of your home. You may find that buying the two policies together from the same lender will be the cheapest way to insure your home.

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