Hot Topics

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 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.
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.
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.
Complaining about a Home & Contents Insurance Company
The general insurance industry is now regulated by the Financial Services Authority.

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.

The following are some of the more important factors that will influence your premium: -

For your Home Insurance:

  • How much your property is insured for
  • Whether the property is detached, semi, terraced etc
  • How it is constructed (e.g. brick with slate roof)
  • The year the property was built
  • Whether the area has any history of flood, subsidence, or land heave
  • Whether the property is in a good state of repair
  • Your Post Code

For your Contents Insurance:

  • The value of your contents
  • The type of and value of any named valuables
  • Whether you want "All Risks" insurance and for how much (i.e. insurance for your possessions when you take them away from home.)
  • Whether you want to include Bicycles, frozen food in the freezer etc
  • Whether the property is secure - the types of locks on your doors and windows, whether you have a burglar alarm and smoke alarms, whether you're a member of a Neighbourhood Watch scheme - all these will be taken into account.
  • Whether the property is left unoccupied for long periods (typically 30 days or more)
  • Your Post Code

Frequently Asked Questions related to the above topic.
Click below if you wish tread them: -