General Insurance

Buildings insurance covers the physical structure of your property, including walls, roof, floors, permanent fixtures such as fitted kitchens and bathrooms, and usually outbuildings, garages and boundary walls. Contents insurance covers the things you would take with you if you moved: furniture, electronics, clothing, kitchenware and personal belongings. Most UK homeowners hold both, often as a single combined policy. Tenants typically only need contents cover, because the freeholder or landlord is responsible for buildings cover.

Almost every UK mortgage lender requires buildings insurance to be in place from the day of legal completion. The lender wants to know the property securing the loan can be rebuilt if it is damaged or destroyed. You usually need to provide proof of cover before completion, and the sum insured must match the rebuild cost shown in your valuation or RICS survey, not the market value. Contents insurance is not a lender requirement but is strongly recommended.

Landlord insurance is built around the realities of letting a property. It typically includes property owners liability up to £2m, malicious damage caused by tenants, loss of rent if the property becomes uninhabitable after an insured event, and optional rent guarantee or rent protection for tenant arrears. It also covers periods when the property is between tenants, which a standard home policy usually excludes. Legal expenses cover for eviction and tenancy disputes is commonly bundled in.

Loss of rent is included in most landlord buildings policies and pays your rental income if the property cannot be lived in following an insured event such as fire or flood. Rent guarantee, sometimes called rent protection, is a separate product that pays out when a tenant simply stops paying. Rent guarantee usually requires you to have referenced the tenant properly, is capped at a number of months (often 6 to 12), and may include legal fees to pursue eviction.

Accidental damage is an optional add-on that covers unintentional one-off mishaps that are not classed as wear and tear. Typical claims include drilling through a pipe when hanging a picture, spilling red wine on a carpet, knocking over a TV, or a child cracking a hob. Without it, standard contents or buildings cover will usually decline these claims. It is often split into accidental damage for buildings and accidental damage for contents, and you can buy one or both.

Most contents policies set a single article limit, often around £1,500 to £2,500, which is the maximum the insurer will pay for any one item without it being specifically listed. High value items such as engagement rings, watches, art, designer handbags and certain electronics often exceed this limit. To be fully protected you need to specify these items individually, sometimes with an up to date valuation. Failing to do this is one of the most common reasons UK contents claims are underpaid.

Go room by room and total the cost of replacing every item as new, including clothing, kitchenware, electronics, soft furnishings and items in the loft, garage and garden. Most UK contents policies are new for old, so do not deduct for age or wear. Underinsuring triggers the average clause, where the insurer reduces any payout by the same percentage you are underinsured. Review the sum insured every year and after major purchases such as a new sofa, TV or jewellery.

In most leasehold flats the freeholder or management company arranges buildings insurance for the whole block and recharges the cost through your service charge or ground rent. Ask for a copy of the policy schedule each year and check it before you complete on a flat. You will still need your own contents insurance, and you may want to insure improvements you have made that are not covered by the freeholder policy. Always check the lease for who insures what.

Yes, but standard home and landlord policies usually restrict cover after the property has been unoccupied for 30 to 60 consecutive days. After that point, perils such as escape of water, malicious damage and theft are commonly excluded. If you know the property will be empty, for example between tenants, during probate, or while it is being refurbished, declare this and buy a specific unoccupied property policy. These carry higher premiums and stricter conditions, such as turning the water off at the mains.

Yes. Second home and holiday home cover is specialist because the property is often empty for long stretches, may be let to paying guests, and can be in a higher risk location such as coastal or rural areas. Policies can be arranged for owner only use, family and friends use, or short term lets through platforms such as Airbnb. Cover usually includes buildings, contents, public liability, and optional loss of bookings income. Annual unoccupancy limits and security requirements such as alarms or key holders are common.

Report the claim to the insurer as soon as you can, ideally the same day for theft or fire, providing photos, a list of damaged items, and a crime reference number where relevant. The insurer appoints a loss adjuster or handler, who may inspect the property for larger claims. Straightforward contents claims often settle within a few weeks. Major buildings claims involving structural repair, drying out and rebuilding can take many months. We can help liaise with the insurer to keep things moving.

Many UK home insurers reward customers who do not claim with a no claims discount that grows each policy year, typically up to a maximum of around 5 years. Making a single claim usually resets the discount or steps it back. Unlike motor insurance, home no claims discounts are not always transferable between insurers, so it is worth asking before you switch. For smaller losses it can be worth paying out of pocket rather than losing the discount and triggering future premium increases.

The most effective steps are fitting approved 5 lever mortice locks on external doors, window locks on accessible windows, a monitored or audible alarm, and smoke alarms on every floor. Paying annually rather than monthly avoids interest charges. Increasing the voluntary excess, joining a Neighbourhood Watch scheme and avoiding small claims also help. Be honest about claims history, occupation and any business use of the home, because non disclosure can void the policy. Bundling buildings and contents with one insurer is usually cheaper than two separate policies.

Yes. You can cancel a home insurance policy at any time, but if you cancel after the 14 day cooling off period the insurer will normally keep a pro rata share of the premium plus an administration fee. It can still be worth switching if a new policy is materially cheaper or offers better cover, particularly after a big premium hike at renewal. Always make sure the new policy starts the day the old one ends so there is no gap, especially while you have a mortgage.

Common exclusions across UK home and landlord policies include general wear and tear, gradual deterioration, damp and condensation, mechanical or electrical breakdown of appliances outside any specific home emergency add-on, damage by domestic pets, faulty workmanship, deliberate damage by you or your family, and war, terrorism or nuclear risks. Damage that develops slowly, such as a long term leak, is usually excluded, while a sudden burst pipe is covered. Always read the policy summary and exclusions before you buy.

Yes. Alongside home, contents and landlord cover we can help with single trip and annual multi trip travel insurance, including options for pre existing medical conditions, winter sports and cruises. We can also arrange pet insurance for dogs and cats, covering vet fees, third party liability for dogs, and optional dental and behavioural cover. Speak to an adviser and we will compare the panel of UK insurers we work with to match the cover to your circumstances.