Building Insurance

If you have a mortgage, you will have to insure your building; lenders include this condition as part of the mortgage contract. Your mortgage lender will tell you how much to insure your property for when you take out your loan.

We work with a selected panel of insurers including some of the largest providers in the United Kingdom (e.g. Alianz, AXA, COvea, Halifax, Legal & General, Modus, RSA, Towergate, & Zurich)

Building Insurance

Buildings Insurance is designed to protect your home against unforeseen damage or destruction. The level of cover needs to be set to ensure that you have enough insurance cover to rebuild your home, if necessary. Each insurer has slightly different terms and conditions so be sure to read the policy key features document carefully to determine what is and isn’t covered by your policy. Please check your standard excess payments which will be deducted from any claim. These are usually applicable for all claims with slightly higher excesses applicable for claims related to escape of water and subsidence.

Key Features to consider:

  • Outbuildings and garages within 100 metres of the home
  • Patios, terraces, driveways & footpaths
  • Swimming pools & tennis courts
  • Walls, fences and gates
  • Damage caused by fire, earthquake, flood, malicious damage, storm, subsidence and other similar causes.

Contents Insurance

Contents Insurance is designed to protect the contents of your home against loss or damage. Most policies replace new items for old items. Each insurer has slightly different terms and conditions so be sure to read the policy key features document carefully to determine what is and isn’t covered by your policy.

This section covers the contents in your home against loss or damage by fire, flood, storm, theft, escape of water and other similar causes.

Key Features to consider:

Business Equipment (The policy covers you or your family that work from home for loss or damage to your computers, keyboards and other similar business equipment up to the contents sum insured). Freezer Food (The cost of replacing the food in your freezer that has been spoilt by an accidental change in temperature of your freezer).

Accidental Damage – optional cover

Buildings Accidental Damage provides additional protection against damage caused by an unforeseen and accidental event such as putting your foot through the ceiling.

  • Included in the Accidental Damage to building section is accidental breakage of:
  • Underground drains and pipes
  • Cables and underground tanks belonging to your home for which you are responsible.

Contents Accidental Damage provides additional protection in your home against damage caused by accident, such as knocking over a vase.

Excess payments

Please check your standard excess payments which will be deducted from any claim. These are usually applicable for all claims with slightly higher excesses applicable for claims related to escape of water and subsidence. Voluntary excess levels can be set by an applicant to apply over and above standard excess payments.

Personal Possessions Cover – optional cover

Provides accidental damage or loss to your personal possessions in and away from your home, usualy anywhere in the United Kingdom and Europe. Your Personal Possessions are also often times covered during travel anywhere in the world for a limited time (e.g. up to 60 days).

Home Emergency Cover – optional cover

Such cover is designed to provide initial emergency assistance if you have an home emergency, such as problems with your plumbing, drainage or heating systems.

Legal Expenses – optional cover

Legal Expenses cover will pay legal and professional fees, costs and expenses up to a set limit (e.g. £100,000) in connection with pursuing civil legal proceedings (or, where appropriate, defending civil or criminal proceedings) in respect of the following type of insured incidents:

  • Employment Disputes
  • Services and Personal Property
  • Personal Injury
  • Clinical Negligence
  • Your Residence
  • Tax Enquiry
  • Legal Defence
  • Jury Service
  • Motor Prosecution Defence

Payment Method

Payment can be made either as one lump sum annual payment or, alternatively, via twelve monthly instalments taken via direct debit. If you wish to spread your premiums over the year then insurers will usually levy a small surcharge to the insurance premium.

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