Understanding Your Policy

Accidental Damage

Accidental damage insurance, as part of your home insurance, is there to ensure you can afford to replace or repair the damaged items.

No Claims Discount

Building up what’s known as a ‘no claims discount’ means you pay less for your Home Insurance than you would if you didn’t have one.

New for Old Cover

Most home insurance policies offer ‘new for old’ cover as standard for the building you own and its fixtures, fittings and contents.

Legal Expenses Cover

Legal expenses insurance ensures that if you do get involved in legal proceedings, you’re financially covered for the costs involved.

How to Invalidate your Home Insurance

Understanding some of the more common reasons Home Insurance is invalidated, can help you avoid making the same mistake.

House Insurance Optional Extras

When you’re buying insurance for a building and its contents, there are also usually optional ‘extras’ on offer which you can add on.

Home Emergency Cover

The costs involved with repairing the damage home emergencies can cause, and paying for replacements can be considerable.

Guide to House Insurance small print

It’s vital to take a really close look at the small print when you take out Home Insurance cover to ensure you don't get caught out.

Garden Insurance

When making a claim for garden contents, Home Insurance policies often have a greater number of exclusions and limitations.

Bicycle Insurance

Many people assume their bicycle is covered by their Home Contents Insurance, but it’s important to check your policy wording carefully.

Away from Home Cover

If you carry around gadgets and valuables on a regular basis you will need include Away from Home Cover in your Home Insurance.

Valuables Insurance

Many people own ‘valuables’ of some sort, and these items need to be treated a little differently when it comes to your Home Insurance.
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1 1/5 Avoid like the plague
Part of my kitchen ceiling came down so i phoned the emergency callout i had paid for they wouldnt send anyone. The next day i rang policy expert and tried to put a claim in only to be told that i had to get my own tradesperson to come and see what the cause was. My plumber said it was a leak over time from my shower and the bath was not a good design. So rang them back only to be told im not insured. Why am i paying house insurance theyhave not even been to see it and they dont intend to. They have taken my money and scarpered. My insurance is up for renewal in dec and i will never ever use these people again. Judging by the reviews left on here i think we all have a case to take to watchdog!!!! Update: put a complaint in and the lady sent me my policies i was covered for the emergency cover and the buildings cover should have covered the claim. Still no response back from policy expert.
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1 1/5 Its when you claim their true colours become clear
My garage was broken in to and I had a lot of power tools stolen , the garage was locked with a three point locking system up and over door. It appears the lock was forced with another key. When I tried to make a claim I was told because there was no "Forced and voilent" entry I couldn't claim on my insurance. Reading my policy document this isnt true ...it can be either forced OR voilent , it was an attempt to stop my claim. I've made a compalint on their email facility but have no aknowledgement they have recieved my complaint. Warning if a theif uses a lock picking tool to get in your house they will refuse to pay up ...this could cost you thousands. Its when you actually need your policy you can truely make comment on thier services. I've been treated like a fraudster by the very people who should protect me from such instances.
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