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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.
Why is Home Insurance so Important?
Your home is probably your single largest investment and your mortgage will be secured against it. If you’re uninsured and your home were to burn down, then not only have you lost your home and largest investment, but you’re still faced with paying back the mortgage in full.
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.
Will the Risk of Flooding Affect Your Insurance Premium?
Yes it will have big affect on your premium.
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.

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.

Most cases can be insured immediately online. However, if your details cannot be automatically assessed by the insurers' automated systems, they will need to be looked at by an insurance underwriter. This will mean that your quotation will be sent by E Mail, normally within 24 working hours.

If you don't want to be insured straight away, for example because you're in the process of buying the property or because you want to wait for your existing insurance to end, then that's no problem. The site will allow you to enter a future date to start the new insurance.

Frequently Asked Questions related to the above topic.
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