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What does Home Insurance Cover?
Home Insurance covers damage to or loss of the structure and permanent fittings in your house.
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.
What is Index Linking and should you have it?
Index Linking means that each year the insurance company will automatically increase the sums insured under your policy to reflect changes the country's rate of inflation.
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.

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.

You'll find the number to call within the booklet that will accompany your policy document.

In all circumstances the first priority is to ensure that your house is safe and the damage is not getting worse. Then you will need to ensure that your house is secure. If your property is damaged and temporary repairs are needed, then call your insurer to ensure that they will over he cost of the temporary repairs and then make the arrangements.

e suggest that you keep your insurance company's Emergency Help phone number in an easily accessible and handy place. The last thing you want is to be doing is frantically searching for the number in the midst of an emergency!

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