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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.
Will the Risk of Flooding Affect Your Insurance Premium?
Yes it will have big affect on 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.
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 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: -