What is building insurance?
This protects the structure of your home, any outbuildings and the properties permanent fixtures and fittings; such as fitted kitchens and sanitary ware, Insured Perils; such as Accidental Damage, Fire, Theft, Subsidence, Impact, Lightning and Explosion, as more defined within the Policy Wording.
What is contents insurance?
This covers the contents of your home and valuables against accidental damage, theft and loss.
Do I save anything by insuring my Buildings and Contents together?
Yes, there are additional discounts available.
How much cover do I need?
You will need enough cover to rebuild your property including architects, professional and surveyor fees and/or replace your contents in the event of a total loss e.g. fire in the property. You will find the building sum insured on a recent Survey/Valuation of your property. Alternatively Call us on 711666 for a guide to assist you in the calculation of a rebuild cost or a room-by-room checklist to help calculate your contents sum insured.
Is the insurance cover based on New for Old?
Yes, most insured items that are stolen/damaged will be replaced as new, regardless of age.
Is Accidental Damage Cover recommended?
Yes, this covers you for unforeseen events for example, accidentally spilling paint on your brand new carpet or knocking your TV over.
What is Personal Belongings Cover?
This is an extension of Contents cover, it covers items when away from the home such as clothing, jewellery, laptops, mobile phones etc. this cover extends to anywhere in the world (please refer to your policy wording for maximum period per trip).
I have an expensive item of jewellery, is this automatically covered?
Not necessarily, your policy may have a limit in which a high value item will have to be specified and a valuation provided. On most policies this limit is in-between £1,500-£2,500.
Are my children’s personal belongings covered whilst they are at university?
Most Household or Contents Insurance policies will include Student Cover away from the home. Please refer to your policy wording for limits.
If I have building works done to my property, do I need to inform my insurer?
Yes, your insurer may require you to complete a Contract Works Questionnaire and restrict your cover whilst workmen have access to your property.