Home Insurance FAQs

Frequently asked questions on Household Insurance.

Frequently Asked Questions

How do I get free contents cover in the home?
How long will I get free contents cover in the home for?
What level of Contents cover in the home do I get for free?
Will I still get the Contents in the home free if I cancel my Buildings cover?
What will happen if make a claim?
What if I move house?
Will my policy be affected if I go away on holiday?
How are lost or damaged items replaced?
Will it affect my policy if I claim?
What can I do if I change my mind?
I am a Tenant, will any improvements made to my home be covered under this policy
What is a Defaqto Star Rating?

Will my policy be affected if I go away on holiday?

No. You're covered while you are away providing you don't leave your home empty for more than 60 days. If you're planning to be away for longer than 60 days, simply contact us to arrange for your cover to be extended.

How are lost or damaged items replaced?

They'll all be replaced on a new-for-old basis. Most new items will be delivered to your door.

Will it affect my policy if I claim?

In most cases, it shouldn't make a difference to your policy. However, we may alter the terms of cover and/or increase the premium when it's time to renew the policy. If you have a break-in, we'll offer suggestions on home security and may ask you to carry out security improvements at your next renewal.

What can I do if I change my mind?

You're free to cancel your insurance within 14 days of receiving your policy documentation and we'll refund all your premium, unless you've already made a claim.

How do I get free contents cover in the home?

You get contents cover in the home free when you buy our buildings insurance.

How long will I get Free contents cover in the home for?

Contents cover in the home will be provided free of charge for the life of your policy so long as you don't claim.

What level of Contents cover in the home do I get for free?

We will provide you with up to £75,000 contents cover in the home free of charge. This offer does not include any optional extras. e.g. full accidental damage cover, cover outside the home or bicycles.

Will I still get the Contents in the home free if I cancel my Buildings cover?

No, free contents in the home is only available to customers who purchase Buildings insurance as well.

What will happen if I make a claim?

If you make a claim under the Contents In Your Home section of your policy excluding extended accident damage claims you will lose your Free Standard Contents in the home discount at next renewal. A Buildings cover claim will not result in the loss Free Standard Contents in the home.

What if I move house?

Even if you move house you will still be eligible for Free contents in the home so long as you continue to insure your buildings cover with us.

What is a Defaqto Star Rating?

A Defaqto Star Rating lets you know the quality of your financial product, from an independent source. Defaqto Star Ratings are an assessment of the quality of individual products, based on a series of scoring bands. The boundaries of Defaqto Star Rating bands have been set by Defaqto experts using their extensive knowledge of products in the market, the relative worth of each feature to the customer, and current and future market developments. Everyone is different however, and it is suggested that you always check the specific cover and benefits offered against your own requirements. The better the overall quality of a product compared to the rest of the market, the higher the Defaqto Star Rating. Like a 5 Star hotel, a Defaqto 5 Star Rating is only awarded to a product that satisfies our key criteria.