Home Insurance by

For your continued protection and to ensure that you are fully insured always, your home insurance policy will automatically renew each year, unless you have specifically opted out of this when you purchased your policy.

This would mean that the property is habitable and in good condition and any necessary maintenance is being carried out.

This is when a property’s foundations start to sink due to movement of the surrounding earth.

Uinsure’s Home Emergency Cover provides up to £1,500 per claim for an immediate repair with no annual maximum limit on claims. A repairer will be sent urgently to assess the situation and carry out emergency work on incidents such as boiler breakdown, burst pipes, failure of electric, water or gas supply and many more.

This is an optional extra with our partner Uinsure's policy which covers loss or damage of an accidental nature such as hammering a nail through a pipe or spilling red win over the carpet.

The maximum amount an insurer will pay for an item.

Unlike most other insurers, Uinsure does not charge a fee for amending your policy. Depending upon the changes made, in some cases, you may be due a refund or you may be asked to pay an additional premium amount.

Uinsure’s Family Legal Protection provides £150,000 of legal cover and a 24-hour helpline providing cover for the cost of pursuing certain legal proceedings such as employment disputes, probate, property damage and many more.

If a payment has been missed, we will attempt to take it a second time 5-7 days after the failed 1st attempt. If the second attempt is not successful, then we will write to you to inform you that you have 28 days to contact us in order to bring payments up to date, or your cover will cease.

You should ensure that the Building Sum Insured is enough to cover the rebuild cost of your home. On our partner Uinsure's policy, buildings cover of £1million is provided as standard. Contents Sum Insured should be enough to cover the replacement cost of your belongings as new. The standard limit with our partner Uinsure is £75,000 which can be increased up to £100,000.

The rebuild value is different from the market value of the property. Most insurers can estimate a rebuild value or alternatively you can use the Building Cost Information Service website to calculate this yourself.

The best way to do this is to walk around your home from room to room and add up the value of each item in the house. Once completed this should give you a total amount which is the minimum amount of cover you should be looking for when purchasing contents insurance.

Payments for your policy will be collected by Direct Debit which is widely considered to be the simplest, safest and most convenient way to make regular or recurring payments and you are protected by the Direct Debit Guarantee. You may choose to make a single annual Direct Debit or spread your payments over 12 monthly installments.Your monthly payment installment plan will be financed by Close Brothers Limited, trading as Close Brothers Premium Finance and your credit agreement is directly with them. Close Brothers Premium Finance will send you a Welcome Pack by post containing the information you need.It is very important that you read the pre-contractual information included within your Welcome Pack and take the time to consider all the information carefully. It contains details of the cost of your loan, the payments that you will need to make, the dates on which these will be due as well as the terms and conditions of the loan agreement itself, which is Close Brothers Premium Finance legal contract with you. This information will enable you to make an informed decision about whether this is the right product for you.

With a our partner Uinsure's policy you will need to select 'optiona'l Personal Possessions Cover and opt for cover for items taken away from the home under £2,500. If an item is more expensive than this then this can be covered but will need to be named on the policy.