Home insurance FAQ

No. There is no need to arrange a new policy as we can change your address and transfer cover to your new house at any time.

If necessary we can also provide temporary cover at both your new and old addresses. Call us on 0844 892 1387.

If we also insure your car, we can change the address under that policy at the same time.

The sum insured is the amount of money for which your home is covered. It is the most your insurers will pay under any circumstances. You must calculate an adequate sum insured to avoid claims being reduced because of under insurance. Regular checks should be made to ensure it remains correct and it is your responsibility to get the sum insured right.

The sum insured under a buildings policy must be the full rebuilding cost of the home. The market value of your home or council tax band valuation has no direct relationship to the rebuild cost of your home. You can instruct a member of the Royal Institution of Chartered Surveyors to prepare a professional rebuilding cost assessment for insurance purposes.

Yes, provided that we are insuring your home buildings under your policy. You should note that the cover for damage to walls, gates and fences excludes storm damage.

Yes. You would be covered provided your policy includes subsidence cover and as long as the main house building is also affected by subsidence at the same time.

You must make sure that your building and contents sums insured are kept up to date. Your policy contains an index linking clause. This simply means that your sum insured is altered automatically whenever there is a change in the costs according to various indices such as:

Buildings - the house rebuilding cost index prepared by the Royal Institution of Chartered Surveyors.

Contents the Retail Price Index (consumer durable section or an appropriate alternative index).

No additional premiums will be required for the indexed adjustments during the currency of your policy, but renewal premium will be calculated on the basis the adjusted sums insured. It is your duty to keep us up to date by telling us of any improvements to your house or acquisitions of new contents which increase the overall value. You must not rely on the index linking alone to keep your sums insured up to date. You should review your cover every few years.