Introducing SmartQuote – an innovative new tool that makes getting Home Insurance quick and easy. We use publicly available data sources to give you a quote. So you don't have to worry about answering tricky questions such as when your home was built and what type of locks you have. We understand that your time, just like your home, is valuable.
Worried we might not have the right information about your property? You don't need to be. As long as the information you provide is accurate, then you can make a claim with us in the usual way.
Home or House insurance can help protect you from unexpected events like escape of water, fire, storm, floods and theft. There are two types of Home Insurance: Buildings Insurance, if you need to protect the structure of your home and Contents Insurance, if you need cover for your belongings. Your policy can include both or you can choose to take either one out separately:
Buildings Insurance covers the costs of repairing or rebuilding the structure of your home and its permanent fixtures and fittings should it be damaged or destroyed. It includes your garages and domestic outbuildings within the boundaries of your land.
Contents Insurance covers your household goods and personal belongings like clothes, furniture, curtains and kitchen appliances in the home (including contents inside garages within the boundaries of your land) - everything you'd take with you if you moved to a new house.
Our Gold and Silver Home Insurance policies allow you to combine both Buildings and Contents cover so you can protect both the structure of your home and your belongings.
Gold Home Insurance provides a comprehensive level of cover for a wide range of events. It includes Accidental Damage, Home Emergency Cover* and Family Legal Protection as standard. With the option to add Cover Away from the Home, Bicycle Cover and Valuable Items Cover.
Silver Home Insurance provides a lower level of cover, includes Home Emergency Cover* and still includes important protection against events like fire, flood, storms, subsidence, escape of water and theft. You can choose to add additional cover like Accidental Damage, Cover Away from the Home, Bicycle Cover, Valuable Items Cover and Family Legal Protection.
For answers to some of our most common questions visit our Frequently Asked Questions section
*Fixed Price Terms and Conditions. If you make a claim before your next renewal, the premium may be adjusted at renewal and the fixed price will end. If you make a change to your policy, e.g. if you move house, add or remove cover, the price may be adjusted to reflect this. The new premium will then be valid for the remainder of the original fixed price period. If there’s a change to Insurance Premium Tax, this will be applied to any premiums you have to pay in line with HMRC requirements.
Every insurance policy, including ours, will have limitations and exclusions. So it's vital that you check what's included before you purchase. For example, we don't cover maintenance, wear or tear or damage that happens gradually over a period of time, such as damp or rot. There’s also an excess on each claim. Please read the Key Documents carefully before you buy.
*Tenants are not eligible for Home Emergency cover.
Silver Insurance Product Information PDF: 113KB
Gold Insurance Product Information PDF: 113KB
Gold and Silver Policy Booklet PDF: 291KB
About Us, Our Terms and Services PDF: 51KB