Home insurance UK
Overview
If it can happen it could happen. That's why people need home insurance. But life's nasty surprises aren't confined to damage to bricks and mortar and carpets and cookers. So we can arrange policies that can help when unwelcome, costly and unexpected situations arise.
Home insurance for your buildings and contents
Just as important as the right protection is, of course, the right price. So when you call us for a no obligation home insurance quote on 0845 606 2606 we’ll get in touch with some of the UK’s leading insurance companies to save you time shopping around for an attractive premium. Cover can be tailored to meet your individual requirements; for example, you can insure against accidental damage, legal expenses, loss or theft of your personal possessions, money and credit cards.
Up to 20% discount for combined Contents & Buildings Insurance.
When you choose to insure your Buildings and Contents together under the one policy, you can expect to make a premium saving of up to 20%. In the event of a claim only one policy excess is then payable e.g. storm claim affecting both Buildings and Contents at the same time.
- Up to 30 % No Claims Discount
We give you up to a 30% no claims bonus for 3 or more claim free years.
- Family Legal Expenses cover up to £30,000 included as standard.
We automatically include Family Legal Expenses as standard, to protect you and your family if costs are incurred as a result of a legal dispute.
- Accidental Damage to TV’s Audio, video, computer equipment and Home working Equipment included as standard.
- Accidental Breakage of mirrors, ceramic hobs and fixed glass within furniture included as standard.
- Alternative accommodation costs and or loss of rent.
If your home is damaged and you have to move out e.g. as a result of fire, we will pay for your temporary accommodation.
- Replacement locks if keys are lost or stolen.
If you accidentally lose your keys or have them stolen, we will pay the cost of replacing the locks or lock mechanisms.
- Identity theft assistance cover.
We provide a 24 hour, seven days a week helpline service if you have concerns that you might or have become a victim of ID theft. If you have become a victim we will provide practical advice and contact details to enable you to try and prevent further loss and restore your position.
- Personal money up to £750
If you accidentally lose your wallet or have it stolen, (either in this country or abroad) we will reimburse you up to £750.
- Credit Cards up to £1000
Following loss or theft of your credit/debit or cash cards we will reimburse you up to £1000 as a result of misuse by an unauthorised person.
- Spoilage of food in freezers up to £1,000
Following breakdown of the freezer or accidental loss of the power supply to the freezer, will cover the cost of replacement of the stored food.
- Optional Additional Accidental damage cover
You can extend your policy to include full Accidental Damage cover. This will cover you in the event of a DIY disaster e.g. spilling paint on carpets or furniture, accidental breakage of vases and ornaments or even putting your foot through the loft floor.
- Trace & Access cover up to £5,000
If the Buildings are damaged due to water escaping from water tanks, pipes, equipment of fixed heating systems in the Home. We will pay the reasonable cost of removing and replacing any other part of the Building necessary to find and repair the source of the leak and making good.
Without Trace and Access cover the Insurers will only pay for the damage caused by the leak and not the cost of discovering the source of the leak
- Damage caused by Emergency Service with no excess
This section extends to cover damage caused to the property and or its contents following forced access by the emergency services to deal with a medical emergency or to prevent damage to the home.
Fatal Injury Benefit £5,000
If you or a member of your family die as a direct result of injury caused in the home by fire, explosion, lightning or intruders, we will pay the next of kin up to £5,000
And you can take your cover with you
You can also cover your personal belongings (including cash) if they’re lost or stolen when you are away from home.
And there’s more
Do you own a buy-to-let property or a holiday home? If so, we can arrange cover quickly and at an attractive premium.
Instant cover
With us, the moment you tell us that you accept our quote, we’ll arrange for you to be put on immediate cover.
It’s easy to pay
You can pay in full by credit or debit card, or pay monthly by direct debit. The monthly instalment arrangement is provided by Norwich and Peterborough Insurance Brokers.
24 hour claims helpline
Available 24 hours a day, 365 days a year.
Discounts
If you’re a member of a Neighbourhood Watch Scheme or have security locks, then your premium could be reduced.
To get a quote online or to arrange your home insurance click here or call us on 0845 606 2606. We are open from 8.30am - 5.30pm Monday to Friday and 8.45am - 12.15pm Saturday.
Insurance products are arranged by Norwich and Peterborough Insurance Brokers Limited. Insurance is subject to acceptance by insurers.
Please refer to the full policy terms, exceptions and conditions which are available on request.