Please select your occupation, if you cannot find an exact match for your occupation then please select the closest match.
Please select your industry, if you cannot find an exact match for your industry then please select the closest match.
Please select if you wish to include a second applicant.
Please select your mortgage category.
We apply an introductory no claims discount of 2 years for first time buyers.
If you are applying for a new mortgage or a remortgage to buy the property you are insuring, then please answer Yes to this question. If you already have a mortgage approved for this property or own the property outright, you must answer No to this question.
Permanently occupied means your home is lived in (slept in frequently) by you and/or your family.
The property must not have been subject to a previous subsidence claim or loss. If Yes, please contact your current insurer.
You must declare any convictions which you or any member of your family has received, not including driving offences or any offences which are spent under the Rehabilitation of Offenders Act 1974 or the Legal Aid, Sentencing and Punishment of Offenders Act 2012
You must declare if you or any member of your family has ever had insurance cancelled, declined or declared void or special terms imposed to current or previous insurance policies.
Examples of special terms include but not limited to:
Your insurer imposing a higher excess to your policy.
Your insurer imposing improved security to your home
You must tell us if your property or the land belonging to it has flooded in the last 10 years
You must tell us if the property is not going to be lived in by you, your family, or any other person with your permission for more than 60 days in a row. Lived in means slept in frequently.
You must tell us if your property is used for any business or professional purposes other than clerical work undertaken by you and your family.
Please enter the build year of the property i.e. 1995.
We are able to accept one year greater than the current year to allow for new build properties.
If the exact year is not known please provide the closest estimate possible.
Please select the type of lock fitted to the external doors of your home. If you have more than one external door or more than one lock then you should choose the primary lock on the main door.
Please select yes if the windows to your property are secured by a key operated window lock.
Please select when the property will usually be unoccupied. For example, if you are usually at work during the day but at home during the night then you would need to select "Unoccupied during the day".
Please select the amount of Buildings Cover required.
The sum insured you select to meet your needs must cover the cost of rebuilding your home. The value of your home including the land is not an accurate sum insured for the actual replacement value of the building
Please select if you would like to add accidental damage cover for your buildings to the policy.
Accidental damage covers visible damage to buildings which has not been caused on purpose or inevitably. This includes accidental damage to fixtures and fittings, ceilings and any part of the structure of the building, such as accidentally putting your foot through the ceiling whilst in your loft.
Please select your current no claims discount entitlement for buildings insurance, which can be obtained from your previous insurer’s policy documentation.
Please select your preferred excess.
The default excess is £250. However you can choose to increase or decrease the excess, depending on the amount you are comfortable paying in the event of a claim. Lowering the excess will increase the premium or you can choose to increase the excess to reduce the premium. When Buildings and Contents are chosen, you can select different excess amounts. If a claim affects both Buildings and Contents only the higher excess will apply.
The minimum excess for Escape of Water or Oil claims is £500 and for Subsidence its is £1000, in which case you would pay either the minimum excess for that claim type or the chosen excess amount if higher.
Please select the amount of Contents Cover required.
The sum insured you select to meet your needs must cover the cost of replacing your household contents as new.
We provide a choice of either £50,000 or £75,000 for owner occupied properties. For tenants we provide a contents sum insured of £20,000, £30,000, £40,000 or £50,000.
Please select if you would like to add accidental damage cover for your contents to the policy.
Accidental damage covers visible damage to contents which has not been caused on purpose or inevitably. This includes accidental damage to contents in the home and in the open within the grounds of the home such as accidental spillages of wine or paint.
Please select the current no claims discount entitlement for contents insurance. This can be found on the current insurer’s policy documentation. If the customer is a first time buyer, then remember to apply the 2 year introductory NCD; or the clients current NCD entitlement, whichever is higher.
The minimum excess for Escape of Water or Oil claims is £500 , in which case you would pay either the minimum excess for that claim type or the chosen excess amount if higher.
Please indicate if you would like to specify any Contents items kept in the home.
Items that you take outside the home should be specified in the Personal Possessions section and do not need to be specified as valuables.
Please indicate if the customer would like to add Legal Expenses cover to their policy.
Legal expenses cover provides you and your family for up to £100,000 of cover per insured incident to pursue or defend a claim including employment disputes, bodily injury claims or contract disputes relating to the sale or purchase of goods and services.
Please indicate if you would like to add Home Emergency cover to your policy.
A Home Emergency is a sudden or unexpected event in the home which requires immediate action to:
Make the home safe and secure
Avoid damage or further damage
Relieve unreasonable discomfort and risk of difficulty for the customer and their family
Restore electricity, gas or water services to the property if they have totally failed.
Please specify any items worth more than £2,500.
Personal Possessions cover provides cover against loss or accidental damage to articles of personal use normally worn or carried when away from your home for example jewellery, clothing or cameras.