Every 35 seconds, someone chooses MORE THAN ^

Every 35 seconds, someone chooses MORE THAN ^

Protecting customers with insurance since 2001

Everything you need to know before getting a MORE THAN home insurance quote

  • 28, Jul 2022
  • Read time: 5 mins

Getting a home insurance quote should be a quick and straightforward process. We’ve created this guide, so you know what to expect.

Man reading on his tablet.

Property details – about your home

We’ll start by asking some questions about your home. These include:

  • Your address – this includes your postcode
  • Type of property – detached, semi-detached or a flat etc
  • Year built – give an approximate date. You should find this in your title deeds, which HM Land Registry may be able to supply
  • Number of bedrooms
  • If you have a burglar or smoke alarm
  • Whether your property has ever been flooded
  • The number of claims, other than for flood or subsidence

About the cover you need

Next, you need to choose your cover. There are 3 options:

  • Buildings and contents – you can buy buildings and contents together. Having one policy in place can make it easier to manage if you need to make a claim
  • Buildings only – includes your walls, windows, garages, sheds and fixtures like kitchen units. Your home is protected against damage by fire, storm, flood and other similar causes
  • Contents only – includes your moveable belongings, furniture, appliances and your carpets. Wear and tear or goods coming to the end of their life aren't included

You need to work out the level of buildings and contents cover you need. We offer 3 levels of cover - Essentials, Standard and Extra.

When working out the cost to rebuild your home, remember not to include the land. You’ve bought this already when purchasing your home. BCIS have a useful tool to calculate the rebuild costs of your home.

Working out your contents is often a bit more complicated. For tips, check out our guide about how to value your contents. After working out the value of your contents, you should think about the cover you need.

Our Standard cover is for items inside the home only, but you might want to consider items you take out and about. For example, your mobile phone.

If you want out and about cover, you need to add our personal possessions cover.

Here’s a list of our cover options:

About you

We’ll ask you things like:

  • Your name
  • Marital status
  • Date of birth
  • Who you live with – number of adults and children
  • Your homeownership status
  • If you own a cat or dog
  • Whether you're a smoker
  • If you want to add a joint policyholder

You may want to add a joint policyholder to help manage your home policy if you’re not about.

Next, you need to decide how you want to pay for your home policy.

You can choose from:

  • Annually – one single payment
  • Monthly – via Direct Debit

And finally – eligibility statement/when we can’t insure you

We need to check some details about you and your property before we can generate your quote. If you answer no to any of these questions, you’ll need to speak to us to get a quote.

These questions include:

About you

  • Unspent criminal convictions – this excludes driving offences
  • Have you been refused insurance or had any insurance policy cancelled, declined or declared void?

Your home

  • What your home is built of – is it standard construction such as bricks and tiles?
  • Is it a listed building?
  • Is the property left empty for long periods? (Over 60 days)

Your cover

We need you to confirm:

  • Your rebuild costs
  • Is your contents cover sufficient
  • Your home hasn’t been flooded

Please be honest and tell us the correct information. If the information is incorrect, your home insurance policy could be invalidated. This means we might not pay out for a claim or potentially cancel your policy.

You’re hopefully ready to get your quote now, but feel free to bookmark this guide if you need a recap.

Getting a home quote couldn't be easier

Share it with your friends