Discounts

With Home Insurance Choices you're not just providing your clients with the right level of cover. You're also helping them to save money. Your clients can enjoy valuable discounts on the cost of home insurance if they meet any of the conditions below.

If your clients have held insurance before, they may qualify for the following no claims discounts on their buildings, contents and personal possessions premiums:

No claims:

In the last year = 10% discount
In the last two years = 15% discount
In the last three years = 20% discount

Lower buildings premiums if the home is built of stone with a slate, tile, concrete or asphalt roof.

Lower buildings and contents premiums if they pay the first £50, £100, £150, £200 or £250 of every claim in addition to the compulsory £100 excess. A minimum excess of £1,000 applies to claims for subsidence, heave or landslip under the buildings section.

Lower buildings and contents premiums if both buildings and contents are insured under one policy.

Lower contents premiums if the home is in a Neighbourhood Watch area.

Because we believe that customers should be rewarded for taking steps to protect their homes, we offer lower contents premiums if:

• they fit key-operated locks to all accessible windows, or
• their home is fitted with an intruder alarm which is maintained by an installer approved by the NSI (National Security Inspectorate) or by the SSAIB (Security Systems and Alarms Inspection Board).

The discounts are not available if minimum standards of security are a pre-requisite of cover.

Lower buildings and contents premiums if their home is fitted with a smoke alarm.