What Is Buildings Insurance?
Home Buildings Insurance protects you against unforeseen costs in the event of damage or theft to permanent fittings inside the property, as well as structural damage to the property itself.
Cover For Your Home Includes
Buildings & Contents Insurance
Your home is probably your most prized possession, not to mention the contents inside. We know how important it is to have peace of mind if anything should happen to it, be it theft, damage to your property or loss of possessions. That’s why we have a number of policies for you to choose from so we can ensure that you get the right cover for your needs.
Home insurance can be broken down into two sections; Buildings Insurance and Contents Insurance. Together they create a comprehensive product to allow customers to rest assured that their homes, and the possessions inside, are covered in the event that things may go wrong.
Having Home Insurance (Building and Contents Insurance) whilst often advised is not a legal requirement in the UK.
However, there are some scenarios in which you may be required to have at least one element of home insurance.
For example; if you have a mortgage on your home, your lender may request that you take out a buildings insurance policy to cover the property in the event of unforeseen circumstances, such as flood or fire.
Home Buildings Insurance protects you against unforeseen costs in the event of damage or theft to permanent fittings inside the property, as well as structural damage to the property itself.
Home Contents Insurance safeguards your personal belongings within the house, covering the cost of replacing them in event of damage, loss or theft.
From £10.08
a month
From £16.80
a month
From £19.60
a month
Prices are split over 10 monthly payments and can also be paid in one annual payment. Prices are calculated by the risk factors associated with the area, claims history, estimated rebuild costs and possession cost estimates.
Partial/full Rebuild Cover Costs
Get up to £1m towards rebuilding costs with our Home policy.
Flexible Contents Cover
Because we know one size doesn’t fit all. We are flexible with our policies and can tailor them for your individual needs up to £100,000 worth of cover.
Accidental Damage Cover
Protects fixtures and fittings – and other items within your home too.
Landlords too
We’ll cover property owners, renters and homeowners.
Only One Excess To Pay
If you’re claiming under a combined buildings and contents policy.
Lock Replacement
Keys lost or stolen? We’ll replace your locks so you’re safe and sound in a flash.
We are proud of our partnership with SAGIC, The Salvation Army General Insurance Corporation as our underwriters.
Our partnership started over eight years ago now when we chose to have them as our underwriters. This decision was easy for us as we both have the same vision, to provide ethical insurance. We appreciate all the giving back that SAGIC does and we are proud to be a part of that too.
We hope things run smoothly for you, but should you need to claim we want to ensure that this process is as seamless as possible. To achieve this we have the same member of staff deal with your claim from start to finish. This eliminates having to over explain and waste time which can cause added unnecessary frustration.
It is difficult to determine what Property Insurance is the best as each policy provider will offer different benefits and every policyholder may have different needs.
The most important thing is to choose the cover & company that is right for you for a price that is within your budget.
Shopping around for your home and contents insurance is a surefire way of saving a few extra pounds. Fortunately, there are a number of comparison sites that allow you to compare home insurance however, it is worthwhile doing your research as some providers have exclusive offers that are not on price comparisons websites.
Typically speaking, electronic devices are covered within a home contents insurance policy.
Everything from your TV to your microwave will be covered if it is damaged, lost or stolen, providing you with a like for like replacement following an insured event.
A receipt would be the primary way to prove that you have purchased an item however this may not always be the case.
It is always best to check your policy wording and/or speak with the provider to double-check!
We would not cover any deliberate damage or criminal acts by any member of the household and any existing damage would not be insured. As well as the following:
The policy covers Buildings in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man. Personal possessions & Pedal Cycle cover is extended to 60 days worldwide.
To inform us of any change in circumstance and to do all that is reasonably possible to protect the property.
You can set your home insurance policy to auto-renew, ensuring you stay covered and saving the hassle of renewing. It is important to note that if anything changes that may affect your home insurance policy, you will need to inform us to make these changes.
You can set your policy to auto renew via the online portal, this can also be done over the phone.
You can pay for your policy in no interest monthly payments that we split across 10 months with no additional charges for this option.
If you would prefer you can settle the amount in a one off payment. Payments can be made by bank transfer, direct debit or debit/credit card.
You can cancel your policy within 14 days of purchase or renewal. If you cancel before the cover has started, we’ll refund the premium you’ve paid.
Our customers can also cancel their policies mid-term when giving a 30 days notice. For example, the policy would be deleted in 30 days if requested a cancellation today.
Your home insurance policy documents will be sent out automatically via email if you provide us with an email address within 5 minutes of your confirmation. Please note it is important to check your spam folder. If no email address is provided then we will post your policy documents to you.
You can request postal and an email copy if necessary.
Whilst home insurance is not technically mandatory, some mortgage lenders may ask that you do have buildings insurance.
You can start your home insurance claims process off by giving us a call on our claims line: 0300 030 1865 and press option 2.
Whilst taking out a home insurance policy we will ask for the date in which your house was built. You can find this information by checking your mortgage valuation or a survey that you have had carried out.
If you get really stuck, checking with a neighbour with a similar house may help you to find an answer.
It is important to keep us updated with any changes to your property such as home renovations, incidents big or small, getting a lodger, and inflating the value of your contents. If you fail to inform us of any changes it may lead to the invalidation of your home insurance policy.
Yes, student accommodation contents are covered within the policy as standard for £10,000. Please note, this cover for student accommodation does not include Personal Possessions cover so it will not cover items outside of the accommodation.
Accidental damage is sudden, unintentional and unexpected physical loss, breakage or damage caused to an item.