| Provider | More details on website | Churchill Home Insurance | Ask on application | Ask on application | TypeCover TypeHome Insurance Provider
LevelCover LevelStandard with optional extras
DetailCover DetailHomes, Buildings and Contents | Online, Telephone |  Suitable ForProtection of buildings and their contents |  RestrictionsSee website for details |  |
| With so many home insurances on the market you do well in choosing a company which is known for its excellent service and cover. You always can count on Churchill when it comes to the protection of your home! As standard Churchill provides cover for buildings up to £500,000 and its contents for up to £50,000. But of course you can add and opt for a number of extras to your policy for only a small additional premium each. Apply online now and benefit from a comprehensive and reliable home protection.... and Churchill can save you 35% on your home insurance! DETAIL INFORMATION >> | ServicesServicesOline application, useful online tips and advice, personal claim contact
AdvantagesAdvantages1.New for old replacement on your contents
2.Alternative accommodation cover
3.Your own personal claims contact
4.Many optional extras
DisadvantagesDisadvantagesNo information about fees before filling in personal details |
| Broker | Content and Building Insurance | Policy Expert Home Insurance | Varies on policy chosen | Varies on policy chosen | TypeCover TypeVaries on policy chosen
LevelCover LevelVaries on policy chosen
DetailCover Detail1. Support at every step
2. Save time and money
3. Design your own policy
4. Service driven by you
5. No hidden surprises | Online | Suitable ForFor those seeking building or content insurance | RestrictionsIn most cases must be 18 or over and UK resident | |
| If your home is your haven, you'll want it to have the best protection. Compare home insurance quotes from Policy Expert's range of handpicked insurers and tailor a policy to suit you. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company who will be able to answer any questions you may have. Click here for more information. DETAIL INFORMATION >> | ServicesServices1. Buildings Insurance:
This covers the actual structure of your building and is often taken out alongside your mortgage. Your mortgage lender will probably insist you have it, for their financial security as well as yours.
2. Contents Insurance:
This covers the possessions inside your home. Typically, anything you would take with you if you were to move house is classed as 'contents'. This is different from buildings insurance which covers the actual structure of your property.
AdvantagesAdvantages1. Real people on a mission -
Behind the website are real people; a dedicated customer service team ready to assist you. Policy Expert's customer relations experts are waiting to offer their help either online or by phone - you can even tweet us if you like. Policy Expert's aim to give you support at every step right from the first click.
2. Customised cover -
As well as suiting your budget, it's essential that the policy you choose offers you sufficient protection. If it doesn't, there's no point in paying for it. With Policy Expert, you can design your own policy to help you find a perfect insurance match.
3. We like to listen -
Your satisfaction is at the heart of everything Policy Expert do. Your feedback is important to Policy Expert and they believe in service driven by you. Policy Expert listen to their customers and try to evolve in line with their needs and suggestions.
4. No adjustment fees or third parties -
Policy Expert believe there should be no hidden surprises when buying insurance. That’s why Policy Expert promise never to charge you for making adjustments to your policy, never sell your data or pass you over to a third party. In addition, the price you see is always the price you’ll pay.
DisadvantagesDisadvantages1. While Policy Expert have taken all reasonable steps to ensure the accuracy and completeness of the information on this website, they give no warranty and make no representation regarding the accuracy or completeness of the content of this website
2. In some circumstances Policy Expert may charge £10 to cover the cost of posting documentation and £25 to cover costs incurred to handle defaulted payments or returned cheques
3. If you cancel the policy more than 14 days after purchase Policy Expert will charge you a £25 cancellation fee as well as being charged pro-rata for the number of days your policy has been active. |
| Provider | The home you want to insure is NOT occupied by anyone other than you or your family
| Principality Building Society | From £3.50 per week | £100 - £1000 | TypeCover TypeBuilding and Contents
LevelCover LevelStandard
DetailCover DetailBuildings Insurance
We automatically provide you with up to £400,000 of cover for your buildings, however if you require a higher sum insured please contact us. Your home should be insured for the full rebuilding cost, this means the amount of money it would cost to rebuild your home if it were totally destroyed. This should also include an allowance for architects and surveyors fees, legal fees and demolition costs.
Contents Insurance
We automatically provide you with up to £50,000 of contents cover, however if you require a higher sum insured please contact us. The amount of contents insurance should cover the total replacement cost of all your contents if you had to replace them as new today.
There are a number of additional covers you can consider, they are:
Buildings Accidental Damage option
Contents Accidental Damage option
Home Emergency Assistance option
Technology & Entertainment option
Garden Contents option
Personal Items option
Legal Expenses option | Online, Tel | Suitable ForIf you have not made any claim in the last 4 years for the cover required | RestrictionsThe home you want to insure is NOT left unoccupied for a total of more than 60 days in a year | |
| Principality Building Society provides you with insurance from as little as £3.50 per week. They tailor you home insurance policy to suit your needs and you only have to pay for the cover you require. Apply online in as little as 2 minutes and receive an extra 15% off. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company who will be able to answer any questions. DETAIL INFORMATION >> | ServicesServicesCompetitive premiums with a range of cover
AdvantagesAdvantages1. Option for buildings cover only - up to £400,000
2. Option for contents cover only - up to £50,000
3. Option for both buildings and contents cover
4. New for old cover
5. Claims services helpline available 24 hours a day, 7 days a week
6. Optional cover for digital downloads
7. Competitive premiums with a range of cover
8. Pay monthly at no extra cost
9. 15% discount when you buy online
DisadvantagesDisadvantages1. If you make a claim you make have to pay an excess.
2. Restrictions apply so read the terms and conditions carefully. |
| Provider | Valuables covered up to £30, 000 as standard | John Lewis Home Insurance | Varies on policy chosen | £100 | TypeCover TypeBuilding and Content Cover
LevelCover LevelClassic Cover or Flex Cover
DetailCover Detail1. Building and Contents cover
2. Accidental Damage Cover
3. Alternative Accinidation
4. Matching Sets Cover
5. Worldwide Personal Possesions Cover
6. 24 hour Home Emergency Service | Online, Tel | Suitable ForFor families seeking home insurance | Restrictions1. John Lewis Home Insurance is designed for families permanently living at the property. We're not able to cover homes that regularly take in lodgers.
| |
| John Lewis Home Insurance provides a high level of cover as standard along with flexible options to ensure you get the protection you need. If you have more specific needs like valuables worth over £15,000 each or a house with more than five bedrooms for example, take a look at our Specialist Home Insurance. Receive up to £50 in John Lewis vouchers when you take out a new John Lewis Home Insurance policy and enter the vouchercode HOME8. Please read the terms and conditions before you apply for this home insurance. DETAIL INFORMATION >> | ServicesServices1. Home Insurance
2. Specialist Home Insurance
AdvantagesAdvantages1. Accidental Damage Cover for both buildings and contents - from a DIY mishap to shiraz on the carpet.
2. Alternative accommodation - if your home becomes uninhabitable, after a flood for example, we'll find you somewhere else to live.
3. Protect your valuables with cover up to £15,000 per item - to a total of £30,000.
4. Worldwide Personal Possessions cover up to £2,500.
5. Optional 24 hour Home Emergency service - up to £1,500 including labour and parts.
6. Get a 10% discount when you buy Buildings and Contents Insurance together. Subject to a minimum premium.
DisadvantagesDisadvantagesJohn Lewis Home Insurance does not cover:
1. Damage caused by or in the process of cleaning, maintenance, repair, dismantling or altering
2. Loss arising from the cost of remaking any film, disc or tape or the value of any information contained on it damage to equipment not in or on your home
3. Loss or damage by chewing, scratching, tearing or fouling by domestic pets
4. Damage caused by insects or vermin
5. Mobile phone |
| Provider | See website for details | Value, Standard and Finest cover. | From £6.87 per month | £50 - £1000 | TypeCover TypeBuilding and Contents
LevelCover LevelValue, Standard and Finest cover.
DetailCover Detail1. 24-hour Home Emergency cover.
2. Assistance for ID Fraud.
3. Buildings and Contents Accidental Damage.
4. Personal Possessions Cover | Online | Suitable ForClubcard holders | Restrictions1. Boilers over 10 years old or with an output over 60kw
2. Under floor heating, solar heating systems or warm air systems
3. Loss or damage after your home has been unoccupied for more than 60 days in a row
4. Any loss or damage which occurs during the fi rst 14 days following the start of your Home Emergency cover | |
| Tescos home insurance - Earn 1 Clubcard point for every £4 of annual premium when you quote and buy via Tesco Compare before 26 September 2013. Excludes specialist car insurance policies. Terms and Conditions apply*. . No-frills policy which includes the basic home essentials to cover against major events such as fire, storm, flood and theft. Discount applies to buildings and contents premium only and is available to new customers in year 1 as an introductory discount off the full price premium. DETAIL INFORMATION >> | ServicesServicesFinest cover includes many extras you would expect, such as:
1. Concierge
2. Home Emergency
3. ID Fraud Detection and Assistance Service
AdvantagesAdvantages1. 24-hour emergency helpline
2. Phone their UK call centres for help
3. Home Repair network - all repairs are undertaken by approved builders and all costs are paid directly to them
4. A whole year's guarantee for work undertaken on your property by approved builders
5. Our Price Promise gives Clubcard customers a great discount
6. Use Clubcard vouchers to pay for your premium.
7. 1 to 5 Star defaqto-rated cover
8. Get a BIG 50% introductory discount off Buildings and Contents Cover with Tesco Home Insurance.
DisadvantagesDisadvantages1. Restrictions apply.
2. You will need to pay an excess to any claims made of at least £50 |
| Provider | Contents insurance | RBS Essentials Insurance | From £35 a year | Varies | TypeCover TypeContents Insurance
LevelCover LevelStandard and Elite
DetailCover DetailTo find out more, please read the policy summary for a description of the cover when you get a quote | Online | Suitable ForContents insurance | RestrictionsSee wesbite for details | |
| Get an instant quote and buy RBS Essentials contents insurance online now! Premiums start from as little as £35 per year and can even cover downloads that you have purchased and stored on your home entertainment equipment or mobile phone. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company who will be able to answer any questions you may have. DETAIL INFORMATION >> | ServicesServicesCover available for individual items such as laptops, iPods, bicycles and mobile phones, even when taken outside the home.
AdvantagesAdvantages1. Cover available for individual items such as laptops, iPods, bicycles and mobile phones, even when taken outside the home.
2. Pay monthly at no extra cost (Available where the equivalent annual premium is over £70 inclusive of insurance premium tax. Subject to availability).
3. Cover for walk-in theft (except money).
4. Optional accidental damage cover available for your contents in the home.
5. Vandalism cover included as standard.
6. All policies include up to £50 cash in the home and £500 credit card misuse cover.
DisadvantagesDisadvantages1. Restrictions and limitations apply.
2. See the website for terms and conditions. |
| Provider | See website for more details. | Santander Home Insurance | Available at £13.53 per month | From £50 | TypeCover TypeBuilding Insurance and Contents Insurance, Building and Contents Insurance
LevelCover LevelStandard
DetailCover DetailContents Insurance
1. Contents InsuranceProtection for your personal belongings and furniture in your home
2. New for old cover - conditions apply
3. Free 10% increase in contents cover for wedding and Christmas presents
4. Freezer contents up to £500
5. Garden contents cover up to £1,000
Building Insurance
1. Protection against fire, storm, flood, theft, vandalism, leaks and subsidence to the physical structure of your home, and permanent fixtures such as kitchen units
2. Accidental damage to glass, ceramic hobs if fitted, sanitary ware and solar heating panels as standard | Online, Tel | Suitable ForCover is available to protect your buildings, contents or both | RestrictionsSee website for details | |
| Receive an online Santander Insurance quote and you will receive 3 months free when you apply. Get their cheapest quote from their selected panel of insurers. Cover is available to protect your buildings, contents or both. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company who will be able to answer any questions you may have. Click here for more information. DETAIL INFORMATION >> | ServicesServicesCover is available to protect your buildings, contents or both.
AdvantagesAdvantages1. Get our cheapest quote from our selected panel of insurers
2. Friendly UK based contact centres
3. New for old cover - conditions apply
4. Free 10% increase in contents cover for wedding and Christmas presents
5. Cover is available to protect your buildings, contents or both
6. Up to £750,000 buildings sum insured and up to £99,000 contents sum insured
DisadvantagesDisadvantages1. You might have to pay an excess if you make a claim.
2. Cover is subject to terms and conditions, restrictions and exclusions. |
| Provider | Buildings and contents for self-contained homes with own front door | Virgin Home Insurance Policy | From £130 | Not stated | TypeCover TypeContents only, Buildings only or a Combined policy.
LevelCover LevelStandard
DetailCover DetailYou are covered against
Fire, smoke, lightning, explosion or earthquake.
Riot, civil commotion and political disturbances.
Storm or flood.
Theft, attempted theft, vandalism or other malicious acts.
Oil or water escaping from your heating system or appliances.
Subsidence or landslip. | Online | Suitable ForHomeowners/renters | RestrictionsApply for more information. Cover may be restricted or unavailable in some cases | |
| Prices start from £130* and you can choose buildings insurance, contents insurance or both. Alternative accommodation if your home is uninhabitable due to an insured loss. Replacement locks if your keys are lost or stolen. Up to £3,000 cover for digital downloads. 10% increase in cover for Christmas and family weddings. Costs for tracing and accessing leaks in underground pipes and cables. Up to £1,000 garden contents cover. Please make sure that you read the terms and conditions. DETAIL INFORMATION >> | ServicesServicesBuildings and contents insurance
AdvantagesAdvantagesUp to £1,500 for a single item or collection covered in contents insurance
Insure freezer contents up to £500
10% more cover over Christmas, at no extra charge
If someone in your house gets married, we will give you an extra 10% more cover 4 weeks before and after the big day for free.
DisadvantagesDisadvantagesCannot get cover if your home needs repair or is badly maintained
If your home isn't self contained or have its own front door you can't get cover
Cannot get cover if you've suffered loss, damage or liability three or more times in the last three years (whether you were insured or not). |
| Provider | If the house is unoccupied for 30 consecutive days cannot be covered | The Green Insurance Company Content and Building Insurance | Ask on application | Check the policy wording | TypeCover TypeBuilding and Content Insurance
LevelCover LevelHome Contents Insurance, Buildings Insurance, Buildings and Contents Insurance
DetailCover DetailCover includes:
1. All household goods.
2. New (and greener) for old contents cover
3. Valuables – although you will need to tell us about individual items valued at over £2,500 4. Money in the home including unauthorised use of any cards - up to £500 for money and £250 for credit cards.
5. You are covered against fire, storm or flood, theft, malicious damage or vandalism, subsidence and escape of water.
6. Freezer contents - up to £500
7. Contents in the garden - up to £500
8. The structure of your home including any gates, hedges and walls.
9. Structures within the boundaries of your home such as garages and sheds.
10. All permanent fixtures and fittings such as bathroom suites.
11. You are covered against fire, storm or flood, theft, malicious damage, vandalism, subsidence and escape of water.
12. Replacement locks cover if your keys are stolen - up to £500. 13. Up to 20% of the buildings sum insured to pay for the cost of alternative accommodation if the home cannot be lived in because of loss or damage. . | Online | Suitable ForFor eco friendly Content and Building insurance | Restrictions1. The house must be in the UK, Channel Island, Isle of Man or Norther Ireland
2. Rebuild costs are less than £1 million and overall contents contained are not greater then £200,000 | |
| The Green Insurance Company is for homeowners who want more than just low cost home insurance. We offer discounts for ‘Green’ homes* and offset 1 tonne of your homes carbon emissions Free of charge. So you can be kinder to the environment without compromising on quality or value. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company. DETAIL INFORMATION >> | ServicesServices1. Content Insurance
2. Building Insurance
3. Content and Building Insurance
4. Emergency Assistance
5. Family Legal Protection
6. Key Cover
7. Gadget Cover
8. Garden Cover
9. Personal Accident
10. ID Theft
AdvantagesAdvantagesThe Green Insurance Company offers competitive home insurance protecting you and the environment. Some of the benefits included as standard are:
1. 1 tonne of your household’s emissions offset free of charge
2. Extra discounts for 'Green' homes
3. New (and greener) for old contents cover
4. Up to £500 replacement locks cover
5. All documentation is 100% recycled and available online
6. Offers and discounts throughout the year So make the switch to an insurance provider that is greener.
DisadvantagesDisadvantages1. Only items within the household are insured. Items which are stored in an outbuilding within the boundary of the home provided they are locked away are also covered. If you want cover outside the home, you will need Personal Possessions cover.
2. If your home is always unoccupied for more than 30 consecutive days The Green Insurance Company cannot cover this. |
| Provider | See website for more details. | The AA Home Insurance | Available at £199.95 per year | Varies | TypeCover TypeBuildings Insurance, Contents Insurance, Building and Contents Insurance, Prestige Home Insurance, Holiday Home Insurance
LevelCover LevelStandard
DetailCover Detail1. Contents – cover of up to £40,000 (higher levels available on request)
2. Contents – automatic new-for-old cover†
3. Contents – accidental damage cover
for non-portable home entertainment and electrical and gas equipment
4. Buildings – unlimited rebuilding costs
for homes with a market value of up to £1 million
5. Buildings – accidental damage cover included as standard | Online, Tel | Suitable ForGreat value Home Insurance | RestrictionsSee website for details. | |
| Switch to The AA and you could save up to £70. They will refund you up to £25 for buildings insurance and £25 for contents insurance if you current insurer charges you. Apply online and receive your quote today. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company who will be able to answer any questions you may have. Click here for more information. DETAIL INFORMATION >> | ServicesServicesUK call centers
AdvantagesAdvantages1. Contents – cover of up to £40,000 (higher levels available on request)
2. Automatic new-for-old cover
3. Accidental damage cover for non-portable home entertainment and electrical and gas equipment
4. Buildings – unlimited rebuilding costs for homes with a market value of up to £1 million
5. Buildings – accidental damage cover included as standard
6. Alternative accommodation costs of up to £20,000 for you and your pets, if your home can't be lived in after a covered event
7. Up to £500 cover against fraudulent use of stolen credit cards, and cover of up to £500 for money stolen from your home
DisadvantagesDisadvantages1. Exclusions apply to the policy.
2. You make have to pay an excess if you make a claim. |
| Provider | Ask on application | The Co-operative Home Insurance | Available for less than £20 a month | Varies | TypeCover TypeBuildings and Contents Cover
LevelCover LevelStandard
DetailCover DetailContents cover includes:
1. Belongings replaced on a new for old basis (except clothes and linen)
2. Optional Personal Possessions cover
36. Optional Accidental Damage cover
Buildings cover includes:
1. Up to £500,000 rebuilding costs cover as standard
2. UK based claims line open 24/7
3. Optional Accidental Damage cover | Online | Suitable ForContents and Building Home Insurance | RestrictionsSee website for limitations and exclusions | |
| Home insurance can be complicated so The Co-operative Insurance have made it simple and are offering great discounts. Up to 25% off your home insurance. Introductory discount of up to 25% off your home insurance when you take out buildings and contents cover together. Maximum 25% discount applies to combined buildings and contents policies only. Most customers could receive a 23% discount. Individual minimum premiums apply to buildings cover and to contents cover. This means the maximum discounts may not be available. DETAIL INFORMATION >> | ServicesServices1. FREE legal expenses insurance, up to £50,000 costs covered
2. FREE legal advice helpline
3. FREE HomeRescue emergency helpline
AdvantagesAdvantages1. up to £500,000 rebuilding costs cover as standard under Buildings insurance 2. separate generous No Claim Discount scales of up to 30% in the first year, and up to 40% upon renewal 3. protect your home against unexpected emergencies with Home Rescue Plus for just 12p for the first year - usually £24 a year 4. pay monthly by Direct Debit or annually by debit/credit card 5. legal expenses insurance, up to £50,000 costs covered 6. legal advice helpline 7. HomeRescue emergency helpline.
And it doesn't stop there. We pride ourselves on our rapid claims service so if you need to make a claim we will process it quickly and efficiently.
DisadvantagesDisadvantages1. Exclusions and limitations apply to all policies.
2. The level of discount you are entitled to will depend on risk features such as your age and the type of cover chosen. |
| Provider | See website for more details | HomeProtect home insurance | Ask on application | Varies | TypeCover TypeBuilding and content cover
LevelCover LevelStandard
DetailCover DetailYour policy is valid for a period of 12 months from the date you want cover to start (asshown on the Policy Schedule). Annually, your renewal will be invited in writing within good time prior to the expiry date of the policy | Online, Tel | Suitable ForFor people looking for competitive home insurance | RestrictionsThere are restrictions on cover if:
1. Your property is not sufficiently furnished for someone to live in it for more than 30 consecutive days
2. Your property is undergoing any structural repairs, alterations or extensions
3. You have paying guests or tenants
4. Your property is unoccupied or left regularly unattended for more than 30 consecutive days | |
| HomeProtect home insurance can be tailored to fit your needs and budget. Along with buildings and contents cover, you can also add the extras: emergency cover to help you quickly sort out headaches from roof damage to electrical failure, or accidental damage for life's little mishaps. Homeprotect can insure you against legal disputes, and help minimise the stress of replacing lost keys. They will always do our best to get you immediate cover, no matter how tricky your situation DETAIL INFORMATION >> | ServicesServices1. Flooding insurance
2. Subsidence insurance
3. Criminal convictions insurance
4. Unoccupied property insurance working from home insurance
5. Underpinned house insurance
6. Listed buildings
7. Renovation insurance
AdvantagesAdvantageshomeprotect takes a fresh approach to online home insurance in the UK.
1. They quote when others won't - all situations catered for
2. Immediate cover often available, no matter what your circumstances are
3. Home insurance underwritten by established, reliable insurers
4. UK helpdesk - friendly, professional team
DisadvantagesDisadvantages |
| Provider | See website for exclusions | Buildings Insurance and Contents Insurance | Depending on Policy | Ask on application | TypeCover TypeStandard Accidental Damage, Extended Accidental Damage, Cover Plus
LevelCover LevelComprehensive
DetailCover DetailAdditional Cover options available
1. Personal Belongings In and Away From Home Cover
2. Legal Expenses Cover
3. Domestic Emergency Cover
4. Garden Cover
5. Other Additional Cover Options | Online | Suitable ForOver 50’s | RestrictionsSee website for terms and conditions | |
| When you switch to a Saga Home Policy, they will pay any standard transfer charges which may be applied by your current insurer, up to £25. The Saga Home Insurance Policy offers a range of additional cover options, including Legal Expenses Cover, Domestic Emergency Cover and Identity Theft Cover. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. Click here for more information. DETAIL INFORMATION >> | ServicesServices1. Saga will pay any standard transfer charges applied by your current insurer, up to £25.
2. A choice of cover levels
3. No forms to complete
AdvantagesAdvantages1. Automatic cover for buildings insurance, up to £500,000 and contents insurance up to £50,000.
2. New for old replacement of items if repair is not feasible, such as a broken mirror (including clothing and household linen with Cover Plus).
3. Full protection when your home is unoccupied for up to 60 days in a row.
4. 24 hour legal helpline.
5. Your switching fees paid
6. A range of additional cover options
7. A choice of cover levels
DisadvantagesDisadvantages1. There are maximum claims limits
2. Significant exclusions or limitations applying to buildings and contents insurance:
(a) The excesses shown in your Schedule.
(b) Cover may be restricted by an endorsement/clause shown on your policy Schedule. For example, theft cover may be restricted under contents cover unless certain security measures are in force.
(c) Damage caused by wear or tear, poor maintenance or anything which happens gradually
(d) Any losses or damage caused deliberately by you, or someone who you have given permission to be in your home. |
| Provider | Minimum level of security to be in place at your home. | Hiscox Home Insurance | Available from £ 708.31 per year | £250 - £2,500 | TypeCover TypeBuildings and Contents Cover
LevelCover LevelComprehensive
DetailCover DetailHome Insurance
Available directly from Hiscox and offers the following benefits:
New for old as standard on all contents with no wear and tear reductions
24 hour Home Emergency cover included as standard for domestic emergencies like blocked drains, up to £500 parts and labour and no excess to pay.
Comprehensive buildings and contents cover including garden furniture and bikes
Accidental damage cover for your home and contents included as standard
High Value Home Insurance
Only available through our network of independent insurance brokers. Hiscox High Value Home Insurance offers many of the benefits of our standard home insurance policy, but is tailored towards those who value the personal service and advice available from a broker, or for those with more specialist or complex needs.
Benefits include:
Specialist cover for fine art and antiques with high limits for individual items which are specified or an agreed value for high value items you tell us about
Family legal protection cover for you and your family
Personal security advice and assistance, including identity fraud cover.
New for old as standard on all contents with no wear and tear reductions
Accidental damage cover for your home and contents included as standard
Holiday home insurance
If you have a holiday home abroad, we provide overseas holiday home insurance which is suitable for people owning a holiday home or investment property abroad. We can provide cover in more than 40 countries, including Spain, France, Portugal and Italy.
If you have a holiday home in the UK we provide holiday home insurance which is suitable for properties that are occupied at least 1 night a month and for properties that are rented on a short-term let basis.
Second home insurance
If you have a second home in the UK, we provide second home insurance which is suitable for properties that are occupied at least 1 night a week and are never rented. | Online | Suitable ForTwo levels of home insurance cover | RestrictionsSee website for details. | |
| Happily increase your claim excess? We'll happily reduce the premium.5* home insurance. At Hiscox, we’ll care for your belongings like they’re our own. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company who will be able to answer any questions you may have. Click here for more information. DETAIL INFORMATION >> | ServicesServices24 hour Home Emergency cover included as standard for domestic emergencies like blocked drains, up to £500 parts and labour and no excess to pay
AdvantagesAdvantages1. Accidental loss and damage cover for buildings and contents as standard
2. Efficient claims service with knowledgeable UK-based staff
3. 24 hour Home Emergency cover included as standard for domestic emergencies like blocked drains, up to £500 parts and labour and no excess to pay
4. Worldwide cover included for theft, loss and damage of your possessions when you take them away temporarily from the home
5. Cover for garden furniture and bikes
DisadvantagesDisadvantages1. You have to pay an excess when you make a cliam.
2. Terms and conditions apply. |
| Provider | Building, Contents, Building and Contents | AXA Home Insurance | Ask on application | See policy details | TypeCover TypeBuilding, Contents, Building and Contents
LevelCover LevelStandard
DetailCover DetailBuildings insurance
With AXA building insurance you can be sure of high levels of protection, and still keep your costs low.
Cover your home for £500,000 or increase protection to £1million
All the main risks are covered, including fire, flood, theft, storm and water damage
Property owners liability cover included Free legal advice with our exclusive helpline
Free garden cover
Choose the cover that suits you with optional extras
Contents insurance
Home contents insurance cover represents the value of all belongings found in an average family home. But when we're talking about things you treasure, we know that nothing is average. Neither is our cover.
Contents insurance starts at £65,000, with a £12,000 single item limit
You can increase your cover to £85,000, with a £12,000 single item limit
Protect your possessions against all major risks including theft and damage by fire, flooding and lightning
Brand new replacements with our ‘new for old’ policy (except for clothes and linen)
Free legal advice with our exclusive helpline
Tailor your cover by choosing from our optional extras
Buildings & contents insurance
All the benefits of building insurance and home contents insurance combined, at a great value price. And in the unfortunate event that you have to make a claim, there's just one excess for the cover you've chosen. | Online, Tel | Suitable ForPolicy document tailored just to you | RestrictionsSee policy wording for restrictions | |
| Your home and its contents are your biggest investments so why not protect them with a household name you can trust, AXA. Whether you choose home contents insurance or buildings insurance, or a combination of the two, you can be confident that all the most important features are included as standard. With AXA home insurance, you can get a great value quote online and choose cover options to suit your needs. Access your policy online 24/7 with the reassurance of having dedicated UK claims handlers available should you need them. DETAIL INFORMATION >> | ServicesServicesPrint your policy documents as soon as you buy online
AdvantagesAdvantages1. A great value quote online in seconds
2. Tailor your cover options yourself so you pay less
3. Cover for up to £1million
4. Print your policy documents as soon as you buy online
5. Manage your policy 24/7 from your secure online account without ever needing to call
6. Talk to dedicated UK claims handlers
|
| Provider | You home must be maintained in a good state of repair
| Swiftcover Home Insurance | Ask on application | See policy details | TypeCover TypeBuilding, Contents, Building & Contents
LevelCover LevelStandard
DetailCover DetailBuildings insurance
Why pay for £1million of cover if you don't need it? Choose enough to cover the cost of re-building your home (not it's market value) and any outbuildings:
1. basic cover starts at £500,000 and can be increased up to £1million
2. covers all the main risks e.g. fire, flood, theft, storm and water damage
3. property owners liability
4. tailor-make your policy with optional cover
Contents insurance
Our basic level of cover represents the value of all the belongings you'd find in an average family home. A single item limit is included for high value items so you don't need to list them all separately:
1. basic cover starts at £50,000 and can be increased up to £75,000
2. covers all the main risks e.g. fire, flood, theft, lightning
3. £5,000 single item limit for high value items (can be increased to £7,500)
4. new for old cover (except for clothes and household linen)
5. tailor-make your policy with optional cover
Buildings & Contents insurance
Get all the benefits of a Buildings and a Contents policy, and when you buy them together there's only one policy excess to pay if you need to claim. Plus, get 20% off buildings and contents insurance when you buy today! | Online, Tel | Suitable ForCheap home insurance | RestrictionsYou cannot have been made bankrupt in the last two years
| |
| With swiftcover.com buying your cover online means it’s quick and easy to protect your home. Your basic cover automatically includes all the most important features, but you can also add a number of optional extras to your policy. Your online policy wording only includes what you've bought so there's no confusion about the cover you have or what you are paying for. Get a simple, fast quote.Manage your policy online 24/7.Choose cover options to suit your needs. DETAIL INFORMATION >> | ServicesServicesThere are three types of cover – Buildings insurance, Contents insurance and Buildings & Contents insurance.
AdvantagesAdvantages1. Get a simple, fast quote
2. Manage your policy online 24/7
3. Tailor your cover to your exact needs
DisadvantagesDisadvantages1. Terms and conditions apply to the policy.
2. You have to pay an excess when you make a claim. |
| Broker | No claims | Swinton Home Insurance | Broker | Varies | TypeCover TypeContents only, Buildings only or a Combined policy.
LevelCover LevelStandard
DetailCover Detail1. Up to 1/3 off
2. £500,000 buildings cover as standard
3. £50,000 contents cover as standard
4. Cover for flood and storm damage
5. Up to 30% no claims discount | Online, Tel, Branch | Suitable ForCheap home insurance | RestrictionsSee Policy Wording for exclusions and restrictions | |
| Swinton provide cheap insurance and give you complete peace of mind. They offer you up to 1/3 off, £500,000 buildings cover as standard and £50,000 contents cover as standard, Cover for flood and storm damage and up to 30% no claims discount. You can tailor your cover to suit you. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. DETAIL INFORMATION >> | ServicesServicesWhichever policy you decide to purchase you can choose to tailor your policy to suit your needs and requirements you can add additional accidental damage personal possessions cover so that your possessions are covered away from the home and even change the amount of excess you pay
AdvantagesAdvantages1. Up to 1/3 off
2. £500,000 buildings cover as standard
3. £50,000 contents cover as standard
4. Cover for flood and storm damage
5. Up to 30% no claims discount
DisadvantagesDisadvantages1. Contents limit of up to £50,000 and a Buildings limit of up to £500,000
2. Restrictions and exclusions apply. |
| Provider | 5 bedrooms as standard | Kwik Fit Home Insurance | Varies | £50 - £500 | TypeCover TypeBuildings and Contents
LevelCover LevelStandard
DetailCover DetailBuildings Insurance - This covers:
*The structure of your home including any gates, hedges and walls.
*Structures within the boundaries of your home such as garages and sheds.
*All permanent fixtures and fittings such as kitchen units, fitted wardrobes and bathroom suites.
*You are covered against fire, storm or flood, theft, malicious persons or vandals, subsidence and escape of water.
This also includes:
*Free replacement of locks if your keys are stolen - up to £500
*Accidental damage to glass and sanitary ware
*Up to 20% of the buildings sum insured to pay for the cost of alternative accommodation if the home cannot be lived in because of loss or damage.
Optional Accidental Damage Cover
For extra peace of mind, you can choose to add our Accidental Damage cover to your buildings cover. This will cover accidental damage to your home (e.g. drilling through a pipe or putting your foot through the ceiling while in the loft)
Contents Insurance - This covers
Only items within the household are insured. If you want cover outside the home, you will need Personal Possessions cover (see below).
*All household goods *Valuables - items over a certain value will need to be specified *Money in the home including unauthorised use of any cards - up to £250 *You are covered against fire, storm or flood, theft, malicious persons or vandals, subsidence and escape of water.
This also includes:
*Accidental damage to any home entertainment equipment e.g. TVs, DVD players, hi-fis and home computers
*Accidental breakage of mirrors and fixed glass in furniture
*Freezer contents - up to £500
*Contents in the garden - up to £500
Optional Accidental Damage Cover
For extra peace of mind, you can choose to add our Accidental Damage cover to your contents cover.
This will cover any accidental damage to, e.g. your carpets, curtains, furniture, etc. It would also cover mishaps such as knocking over an ornament or vase.
Optional Personal Possessions Cover
This provides you with cover for your personal belongings (including pedal cycles), money and valuables away from the home. Well even cover them anywhere in the world for up to 60 days a year.
Policy terms, conditions and exclusions apply to all of the above. These can be found in the policy wording.
| Online, Tel | Suitable ForBuilding and contents insurance | RestrictionsExclusions and limitations apply to all policies | |
| Kwik Fit Home Insurance protects your contents and building for the unexpected. If you take out combined buildings and contents cover you will receive a 12% discount. It only takes a few moments to get quotes, all you need to do is enter your details online. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company who will be able to answer any questions. DETAIL INFORMATION >> | ServicesServices£20 virgin wine voucher with every quote.
AdvantagesAdvantages1. Up to 12% online discount on combined cover
2. New for old contents cover
3. Up to £500 free replacement locks
4. Up to £500 freezer contents cover
5. Up to £500 garden contents cover
DisadvantagesDisadvantages1. Reduction for wear and tear on clothing, furs and linen.
2. Exclusions and limitations apply to all policies.
3. You must apply to obtain a quotation |
| Provider | Must be in the UK | American Express Home Insurance | Varies | Varies | TypeCover TypeBuildings and Contents
LevelCover LevelStandard - Prestige
DetailCover DetailAmerican Express Home Insurance can offer a wide range of different options so that you can make your policy as individual as your home. On top of the standard policy, you can opt for Home Emergency Cover, Family Legal Expenses and even Key Cover – if you ever drop yours down a drain. | Online | Suitable ForBuildings insurance to meet the costs of repairing or rebuilding your home | RestrictionsThere is a strict Acceptance criteria | |
| It's not just the flat screen TV and grandfather clock that need insuring. With American Express Standard Buildings and Contents insurance, you can be sure that your favourite chair, your dog's bed, and even your personal identity are all fully protected. Apply online. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company who will be able to answer any questions. DETAIL INFORMATION >> | ServicesServicesKey Protection Cover is only valid for the period of home insurance
AdvantagesAdvantages1. Buildings insurance to meet the costs of repairing or rebuilding your home
2. Home contents insurance to replace damaged or stolen items - including cash
3. Personal Identity Theft cover included to protect your details if stolen
4. 24/7 concierge service to help on a full range of topics and services from forwarding forgotten items, gift and luxury item delivery to current event information and route planning
5. Additional discount when purchasing a combined building and contents policy
6. optional extras available such as 24/7 Home Emergency cover – providing assistance during unforseen events such as burst pipes, electrical faults and boiler breakdowns
DisadvantagesDisadvantages1. Key Protection Cover is only valid for the period of home insurance.
2. No refund of premium is allowable upon cancellation after the initial 14 day cooling off period. |
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