Home Insurance

Personal Insurance
  • BESPOKE TAILORED QUOTATION - click here.
  • WORK OUT YOUR BUILDINGS SUM INSURED - click here.
  • WORK OUT YOUR CONTENTS SUM INSURED - click here.
  • STUDENT HOME INSURANCE - click here for an online quote.
  • LAPTOP INSURANCE - click here for an online quote.
  • MOBILE PHONE INSURANCE - click here for an online quote.

Home Emergency breakdown cover

Home Emergency breakdown cover to cover you for boiler and heating breakdowns, electrical emergencies, pest infestation, gas leaks, pluming and drainage problems, security emergencies etc – please click here for a quotation.

Higher Value Homes

If the replacement value of your contents exceeds £50,000 you may qualify for one of a number of specialist bespoke policies, which are not available through the normal quotation systems. These policies provide wider cover than a normal policy and has less restrictive small print.

To offer you a quotation we do need a more detailed breakdown of your contents. Please click here to contact us by email.

Please ring us if you require any advice on 0116 284 6090.

The Consequences Of Under-insuring

Many guess the value of their household possession and jewellery and they get it wrong.

A large proportion of households in Britain are underinsured.

If there is a claim on the policy the insurance company may reduce the value of their settlement in line with the level of under-insurance. The table below shows what happens:

Policy Sum insured £30,000
Correct replacement value £60,000
Under-Insured by £30,000 = 50% approx

Burglary occurs, involving theft of: household effects and jewellery

Total claim - £10,000

Insurers calculate payout on basis of under-insurance:

That is: (£30,000/£60,000) x £10,000 = £5,000 approx

To avoid this happening to you use our Replacement Cost Checklist.