If you want cover for accidental damage for laptops or notepads or wish to cover these items outside of your home, you will need to select personal effects cover.

Buildings insurance covers domestic outbuildings and private garages, including garages on nearby sites that form part of your home.

You can do this via the My Account section of the website. If you wish to do this over the phone, please call us on 659 0659 during our normal business hours (Mon-Fri 08 30- 16 30) and we will be happy to help you.

If you chose to receive your documents by email, they should be with you within three hours (although occasionally, they may take a little longer). You may need to check your email junk or spam folders. If for any reason your email is returned to us, we’ll automatically send your documents to you by post instead.

Yes, our contents policy includes cover for any office equipment you may have, like PCs, faxes and printers. The work you do in your office must be clerical work such as administration and paperwork on behalf of your employer, and there must be no work visitors or employees coming to your home. If you’re running a business from the address or if there is a business registered to your address you will need to call one of our friendly insurance experts on 659 0659 during our normal business hours (Mon-Fri 08 30- 16 30) to see if we can provide you with a quote.

No, but if you make a claim, you may be asked for evidence of value and ownership such as purchase receipts and instruction manuals. This is especially important for valuables, such as jewellery, watches or works of art.

Yes, if you own the contents of the flat then we can offer you insurance.

If you are altering the security on your property you should inform us as it may change the conditions of your home insurance. You may also be eligible for a discount.

Before commencing renovations it is important that you notify us as it may affect the terms and conditions of your home insurance policy. It is important that your increase your sum insured to reflect any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.

We take into account multiple risk factors in calculating your premium. These include the type of construction, Occupancy of the property, security systems and past claims records. Your level of coverage also determines the premium you are going to pay. Cover with higher sum insured and more extensive benefits will entail a higher premium to be paid.

Your security matters to us. The information you provide to us via this website is securely encrypted as it travels between your computer and our internal Information systems. The secure connection is over a protocol called secure socket layer – SSL, making it extremely difficult for others to access your information. Two ways of knowing when you are using a secured section of our website is to look for the small padlock symbol in the bottom right hand corner of your browser and secondly the web address in your browser window will start with “https” instead of “http”. Also, we abide by the Data Protection Act 2008 for the safeguarding of your personal data shared with us.

An excess is the amount which will be deducted from any claim paid to you under the sections of your policy to which an excess applies. You will be advised which cover sections are subject to an excess and the amount of excess at the time you purchase your policy.

You need to make sure that you have enough cover for the full rebuilding cost of your home for buildings insurance and for the total replacement cost of all your belongings as new with contents insurance. The rebuilding cost of your property is different from the market value, and you will need to ensure you have sufficient cover for the full rebuilding cost of your property.

Underinsurance arises when you have insured your possession for less than its value as explained above. In the event of a loss, you are at risk of being penalized by the condition of average.

Sum Insured is the maximum amount that can be paid out and is only paid out in cases of total destruction. Where partial destruction occurs (a more common occurrence than total destruction), Payout is pro rata in line with the underinsurance. This is due to insurance companies basing the premiums on their risk of losing the full Sum Insured against total destruction events.

For example in case of building cover, the claim will be paid as follows:

Payout = (Claim amount X Sum insured) / Full rebuilding cost

• Take precautions to prevent further loss, damage or liability
• Contact the police as soon as possible to report any theft or attempted theft, or damage caused by intentional acts, riots or vehicle impact.
• Notify us of your claim online, or call our claims department on 659 0659 during our normal business hours (Mon-Fri 08 30- 16 30) and one of our friendly consultants will take you through the home insurance claims process.

• One of our consultants will discuss this with you when they receive your online claim form or when you call to make your home insurance claim

Documents such as purchase receipts, credit card statements and owner’s handbooks will help. When you speak to a claims consultant, they’ll let you know what you need to provide to help us process your home insurance claim

We organise the quotes and replacement of your possessions and do most of the leg work for you.

• Notify us of your claim online as soon as possible, or call our claims department on 659 0659 during our normal business hours (Mon-Fri 08 30- 16 30) and one of our friendly consultants will take you through the claims process.
• Try to get names and addresses of witnesses, if there are any.
• Don’t make any admissions of liability and don’t attempt to settle any claim made against you.