Start a Home Insurance quote

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Your policy and property

Your policy

What type of Home Insurance policy would you like a quote for?

Buildings Insurance

Buildings Insurance covers the structure of your home - the roof, walls, ceilings, floor, doors and windows - as well as any permanent fixtures and fittings, such as your kitchen or bathroom.

Contents Insurance

Imagine tipping your house upside down and giving it a shake. Anything that falls out would be contents. This includes carpets, curtains and other soft furnishings.

Even if you are only looking for Contents Only Insurance we'll still need information about the building to help us generate a quote.

Buildings and Contents Insurance

The two, combined.

Buildings and Contents
Buildings Only
Contents Only

Would you like your policy to start within the next 30 days?

When would you like your policy to start?

Our quotes are only valid for 30 days.

Our quotations are only valid for 30 days.

Please contact us closer to date that you would like your policy to start from.

Your property

What kind of property do you want to insure?

House
Flat / Maisonette
Bungalow
Other

What type of house?

Detached
Semi-detached
Mid-terrace
End-terrace

What type of bungalow?

Detached
Semi-detached

Is your property thatched or a listed building?

We'd like to speak to you before we provide a quote

Based on the information you've provided we'd just like to confirm a few details.

It might be that we need to clarify a couple of things, or that in order to make sure that we can meet the requirements of your cover we need to have a conversation with you.

0800 197 1293

What year was the property built?

Build date

How accurate do I need to be?

When telling us when your home was built, it's always helpful if you can be as accurate as you can. You should be able to find the date your home was built on your property deeds or estate agent particulars. If you don't have these to hand, please estimate as best you can.

What is the address of the property you would like to insure?

Inside your property

How many bedrooms does your property have?

How many reception rooms (e.g. living room, lounge, dining room) does your property have?

How many bathrooms does your property have? Please include en-suites and any room containing a toilet.

How many other rooms are there? Please include kitchens, utility rooms, conservatories and integrated garages.

Outside your property

Is at least three quarters (75%) of your property's roof made of tile?

Yes
No
Not sure

Please choose the material your roof is made of:

Slate
Concrete
Stone
Metal
Other

Are the external walls of your property made of at least three quarters (75%) brick?

Yes
No
Not sure

Please choose the material the external walls are made of:

Brick and stone
Stone
Concrete
Methods of modern construction
Timber frame
Other

All questions are mandatory unless marked '(Optional)'.

Cover options

Would you like to add Accidental Damage Cover?

What is Accidental Damage Cover?

Accidental Damage Cover provides cover against unexpected damage that occurs as a result of an unexpected or non-deliberate action.

For example, the cost of replacing or cleaning a carpet after knocking over a glass of wine would be covered by accidental damage cover.

Would you like to add Personal Belongings Insurance?

What is Personal Belongings Insurance?

Personal Belongings Insurance covers home contents that you take outside of the home.

Personal Belongings Insurance with our Home and Lifestyle Insurance covers your home contents (including up to £1,000 for money) against theft, loss or accidental damage anywhere in the British Isles and for up to 90 days abroad each year. Any individual items you take outside of the home worth more than £600 must be specified on the Home and Lifestyle Insurance policy.

Buildings Insurance Claims History

For how many years have you held Buildings Insurance?

Have you made any Buildings Insurance claims in that time?

Have you made any Buildings Insurance claims in the last four years?

What was the date of your most recent Buildings Insurance claim?

Do you know the value of your most recent Buildings Insurance claim?

Please enter the value:

Contents Insurance Claims History

For how many years have you held Contents Insurance?

Have you made any Contents Insurance claims in that time?

Have you made any Contents Insurance claims in the last four years?

What was the date of your most recent Contents Insurance claim?

Do you know the value of your most recent Contents Insurance claim?

Please enter the value:

Contents Replacement Value

How much would it cost to replace the contents in your home in the event of a claim?

Our policies have a minimum contents replacement value based on the number of bedrooms your property has.

You have told us that you have one bedroom, so we'll set your contents replacement value as:

£25,000

Our policies have a minimum contents replacement value based on the number of bedrooms your property has.

You have told us that you have two bedrooms, so we'll set your contents replacement value as:

£25,000

Our policies have a minimum contents replacement value based on the number of bedrooms your property has.

You have told us that you have three bedrooms, so we'll set your contents replacement value as:

£30,000

Our policies have a minimum contents replacement value based on the number of bedrooms your property has.

You have told us that you have four bedrooms, so we'll set your contents replacement value as:

£35,000

Our policies have a minimum contents replacement value based on the number of bedrooms your property has.

You have told us that you have five bedrooms, so we'll set your contents replacement value as:

£40,000

Our policies have a minimum contents replacement value based on the number of bedrooms your property has.

You have told us that you have more than five bedrooms, so we'll set your contents replacement value as:

£50,000

Do you think it would cost more than this to replace the contents of your home in the event of a claim?

Don't think you need this much contents cover?

Our policy provides you with a minimum level of contents cover, the amount we think it would cost to replace all of the contents in your home in the event of a claim.

We estimate your contents replacement value based on the number of bedrooms you have.

We don't let you set your contents replacement value as less than our estimate. We do this is so we can help you to make sure you aren't underinsured.

What would you like to set your contents replacement value as:

Excesses

Compulsory Excess

Compulsory excess is the amount you have to pay if a claim is made on your Home Insurance before we pay out.

Our compulsory excess is £100 for both buildings and contents claims, including claims for accidental damage, with the exception of escape of water, flood and subsidence claims where the compulsory excess will be higher. Your policy documentation will outline these amounts.

Voluntary Excess

Voluntary excess is the amount that you choose to pay in addition to the compulsory excess if a claim is made on your Home Insurance before we pay out.

The amount you set your voluntary excess to be impacts the premium you pay.

How much voluntary excess would you like to add to the policy?

Total Excess

Based on your voluntary excess choice of £0 and our compulsory excess of £100, your total excess will be: