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Home insurance quote

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Insuring your property

Buildings

Your buildings are classed as the actual structure of the property and its decorations including fixtures and fittings. It also includes outbuildings, garages, drives, patios, walls, fences, tennis courts and swimming pools.

Contents:

Your contents are classed as your household goods, eg furniture, furnishings, carpets, curtains, clothes, televisions, etc. as well as valuables and personal belongings within the home. These must be your property or of a joint policyholder or of anyone permanently living at the property.

Property details




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If you don't know when the property was built, please check your mortgage valuation or home buyers report. If you are still unsure please enter an approximate year.
Please tell us how many bedrooms there are in the property, including bedrooms that are used as a study, for example.
Answering this question helps us to calculate how many years no claims discount we can offer you - which could save you up to 25%. This information may also be used at the time of making a claim to help combat insurance fraud. Please note that the figure you enter here should be for the most recent period immediately preceding the start of this policy and is only valid for the exact type of insurance you are applying for (eg Buildings cover, Contents cover, Buildings & Contents cover)

Building construction

Please tell us here how many years you have lived in a thatched property, not just the one you refer to in this application
You will need to have the wiring inspected by a contractor who is a member of one of these bodies. NICEIC stands for National Inspection Council for Electrical Installation Contracting. ECA stands for Electrical Contractors Association.
You will need to have the wiring inspected by a contractor who is a member of one of these bodies. NICEIC stands for National Inspection Council for Electrical Installation Contracting. ECA stands for Electrical Contractors Association.
'Active' chimneys refers to those chimneys that have (or will have) any sort of heating source on the hearth below.
'Active' chimneys refers to those chimneys that have (or will have) any sort of heating source on the hearth below.
'Active' chimneys refers to those chimneys that have (or will have) any sort of heating source on the hearth below.

Outbuildings

 
Click "Delete" to remove this outbuilding from your list.
If you have not had the roof inspected within the last 5 years you'll need to have this done. You may still buy your cover from us, but you need to have the inspection done within 30 days of the start date of the cover and any defects must be repaired within 60 days of the inspection date. The survey does not need to be carried out by a surveyor but can be done by a qualified builder or roofer. You'll be required to provide documentary proof of any inspection and works at the time of a claim.
Listing marks a building's special interest and brings it under the consideration of the planning system. If it needs to be repaired or rebuilt, it may be a requirement to maintain it in a particular style or material. This can affect the cost of rebuilding or repairing it.
The grades reflect the relative architectural and historic interest of buildings: Grade I buildings are of exceptional interest, sometimes considered to be internationally important. Grade II 'starred' buildings are particularly important buildings of more than special interest. 'Star' features would include items such as staircases, fireplaces, period doors, ceilings and other architectural fixtures and fittings in the list description. Grade II buildings are nationally important and of special interest. 92% of all listed buildings are in Grade II and it is the most likely grade of listing for home owners.

About your property

You should insure for the cost of totally rebuilding your property, NOT what its market value is. The amount to rebuild is generally less than the property's market value, as you don't have to pay for the land again if you rebuild.

Normally, we automatically offer up to £500,000 of cover to rebuild your property. However, in certain circumstances, it will be covered for up to the amount you have specified to rebuild your property. If you are unsure as to whether £500,000 would be enough or what the rebuilding cost for your property is, please click here to get an idea from the insurance industry trade body as to how much it would cost. Note that the online guide price is only applicable for Standard construction houses, and not Listed buildings. If you are still unsure, please call us.

Outbuildings – these include any detached outbuildings such as garages, workshops, sheds, greenhouses, summerhouses etc as well as boundary walls and outdoor swimming-pools.

Your policy automatically includes £7,500 cover for rebuilding or repairing outbuildings.

If you need any more than that please enter the total amount of cover you require i.e. if you need £10,000 cover for Outbuildings, please enter 10000 in the box (not 2500).

Outbuildings – these include (but are not limited to):​ detached garages, sheds, boundary or garden walls, fences, tennis courts, swimming pools, external car ports, driveways, patios, artificial lawns, septic tanks, soakaways or sewage treatment centres.

Your policy automatically includes £7,500 cover for rebuilding or repairing outbuildings.

If you need any more than that please enter the total amount of cover you require i.e. if you need £10,000 cover for Outbuildings, please enter 10000 in the box (not 2500).

Outbuildings – these include (but are not limited to):​ detached garages, sheds, boundary or garden walls, fences, tennis courts, swimming pools, external car ports, driveways, patios, artificial lawns, septic tanks, soakaways or sewage treatment centres.

A good state of repair would mean that the property is in good condition and that any necessary repairs and improvements to walls, roofs, chimneys, windows, doors, heating & electrics are carried out to keep it in good condition.
Subsidence is where the ground contracts, heave is where the ground expands. Both can cause a building to become unstable. Subsidence, landslip or heave can be caused by many different reasons: the type of soil such as clay; collapse of drains; inadequate foundations; a latent defect such as a fault in the design or construction of the property/foundations; settlement of newly created ground such as landfill; underground mining; sloping ground; tree roots absorbing moisture.
Ground movement can be caused by many different reasons: climatic conditions such as drought, causing the ground to contract (subsidence) or prolonged rain causing the ground to expand (heave); collapse of drains through wear and tear; collapse of drains caused by tree roots; tree root damage; removal/over-pruning of a tree; building works at the property; building works at a neighbouring property; other causes.
We need to know whether the structural movement that happened at the property affected the main building or any structures connected to the main building, or if it just affected other, detached, structures like a garage, shed, workshop, path, fence etc
The report should be by a qualified structural engineer who is a member of a professional body such as IStructE (Institution of Structural Engineers) or the ICE (Institution of Civil Engineers) and will have after his or her name either the letters MIStructE, FIStructE, MICE or FICE.
A tree 5 metres tall is about the same as the top of the second floor of a house. 7 metres away is about the same as 2 small hatchbacks parked back-to-back. If there are trees near a building, they can soak up moisture from the ground, particularly at times of low rainfall, and cause it to shrink. This causes a lack of support to a property's foundations and can lead to subsidence.

Trees

 
Click "Delete" to remove this tree from your list.

Underpinning is the process of strengthening and stabilising the foundations of an existing building. Underpinning may be necessary for a variety of reasons:

  • The nature of the soil supporting the foundations of the building may have changed (possibly through subsidence) or was not understood during planning and construction.
  • The construction of nearby buildings requires the excavation of soil supporting existing foundations.
  • The original foundations are not strong or stable enough, e.g. due to decay of wooden piles under the foundations.
  • The use of the building has changed.

Underpinning usually involves extending the depth or breadth of the foundations so they either rest on a stronger layer of soil or distribute the load across a greater area. It may sometimes involve providing a new, different form of foundation.

The report should be by a qualified structural engineer who is a member of a professional body such as IStructE (Institution of Structural Engineers) or the ICE (Institution of Civil Engineers) and will have after his or her name either the letters MIStructE, FIStructE, MICE or FICE.
The building control department may require the use of special foundations or other measures and provide a framework for the monitoring and control of the work, which should help to prevent any recurrence of potential problems arising from known causes of subsidence in your area.
This means flooded from an outside source, such as from a river or other watercourse. This does not include flooding caused by burst pipes or leaking water storage tanks.

Floods

 
Click "Delete" to remove this flooding incident from your list.
You need to tell us if the boundary of the property is within 200m of any watercourse
Renovation work could have an effect on your home insurance so we need to know about this.
Structural work would involve alteration, for example, to a load bearing wall.
Please give a description of the work that is to be done, in particular, any structural work.
Your local authority/council have to approve both the design and the actual building work if it involves structural alterations. Even if the alterations do not involve structural work, they may need to approve both the design and the building work.
This is a contract condition which you may have been asked to sign by your Contractor or Architect. It effectively means that the Contractor will not be held responsible for any damage they cause, and you and/or your insurer will be left to pay for, and repair any damage they cause.
The total cost of the renovation needs to include VAT and cover the value of the contract(s) plus any other forecast costs. If the contract is for a substantial amount then a copy of the plans and other related documentation may be required.
If the renovation will increase the size of the property, please state by how much it will increase.
If your property has a shared entrance/exit onto the street, e.g. a flat in a purpose-built block or converted house, the following questions about locks relate to the door(s) and windows on your own property only, NOT on the main entrance/exit.

You may qualify for a discount if you have one of the following types of lock:

  • a 5 lever mortice deadlock conforming to British Standard BS3621 (you can check this by opening your door and looking at the lock face to see if you can see the British Standard ''kite mark'' and the marking BS 3621)
  • a key operated multi-point lock system (for example, if the door is UPVC or double glazed)
  • a rim auto deadlatch with key locking handle

Click here for more information on types of lock.

Please note: If you are eligible for a discount for security and you opt for this, you must comply with the security terms and conditions, (for example, all the locks must be in operation if a theft occurs) otherwise a penalty will apply, such as an increase in the theft excess - see the specific terms and conditions for details.

If you wish to avoid this penalty, you can opt not to have the discount (the specific ''security'' terms and conditions will not then apply) by clicking on the ''Other'' in the drop down box.

In some areas, it will be necessary for you to have security in order for us to be able to offer you insurance.

You may qualify for a discount if you have one of the following types of lock:

  • a top & bottom key operated lock
  • a central rail key operated lock
  • a key operated multi-point lock
  • or if you have no patio doors

Click here for more information on types of lock.

Please note: if you are eligible for a discount for security and you opt for this, you must comply with the security terms and conditions, (for example, all the locks must be in operation if a theft occurs) otherwise a penalty will apply, such as an increase in the theft excess - see the specific terms and conditions for details.

If you wish to avoid this penalty, you can opt not to have the discount (the specific ''security'' terms and conditions will not then apply) by clicking on the ''Other'' in the drop down box.

In some areas, it will be necessary for you to have security in order for us to be able to offer you insurance.

You may qualify for a discount if you have one of the following types of lock:

  • a 5 lever mortice deadlock conforming to British Standard BS3621 (you can check this by opening your door and looking at the lock face to see if you can see the British Standard ''kite mark'' and the marking BS 3621)
  • a key operated multi-point lock system (for example, if the door is UPVC or double glazed)
  • a rim auto deadlatch with key locking handle
  • key operated security bolts at top & bottom
  • or if you have no other exits

Click here for more information on types of lock.

Please note: if you are eligible for a discount for security and you opt for this, you must comply with the security terms and conditions, (for example, all the locks must be in operation if a theft occurs) otherwise a penalty will apply, such as an increase in the theft excess - see the specific terms and conditions for details.

If you wish to avoid this penalty, you can opt not to have the discount (the specific ''security'' terms and conditions will not then apply) by clicking on the ''Other'' in the drop down box.

In some areas, it will be necessary for you to have security in order for us to be able to offer you insurance.

Accessible is defined as on the ground floor, at basement level or within easy reach of ground level and capable of being opened. Only select ''Yes'', if all accessible windows/skylights are secured with key operated locks.
You should only select ''Yes'' if your alarm is in full working order and is actively used, as if you suffer a burglary and your alarm has not been switched on, it could result in your claim being rejected or not being fully paid. You may need to install an alarm or upgrade your locks to ensure you are covered for theft. Please comply with any specific terms when you obtain your quote to prevent theft claims from being rejected or not paid in full.
NACOSS and NSI authorised installers guarantee a minimum level to which your alarm system has been installed. It means that we may be able to give an extra discount too.
Guidance on the type of tree, please click here!
A tree 5 metres tall is about the same as the top of the second floor of a house. 7 metres away is about the same as 2 small hatchbacks parked back-to-back. If there are trees near a building, they can soak up moisture from the ground, particularly at times of low rainfall, and cause it to shrink. This causes a lack of support to a property's foundations and can lead to subsidence.
A tree 7 metres away is about the same as 2 small hatchbacks parked back-to-back. If there are trees near a building, they can soak up moisture from the ground, particularly at times of low rainfall, and cause it to shrink. This causes a lack of support to a property's foundations and can lead to subsidence.

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