Home insurance topics

Drones and drone accessories may be covered under general contents insurance while they are kept in the home, subject to the policy terms, limits and exclusions. At present, drones are not covered under personal possessions cover, which means they are not covered when taken away from the home. If you use a drone outside the home, especially for commercial purposes, you may need specialist drone insurance. Commercial drone users are required to have third-party insurance as a minimum, and recreational users may still be responsible for injury or damage they cause while flying. If your drone is high value, used professionally, or regularly taken away from home, it is worth checking your policy wording or speaking to us before assuming it is covered.

Yes. We can arrange insurance for many holiday homes and second homes across the UK (excluding Northern Ireland), including properties that are used seasonally or left unoccupied for long periods. Cover depends on how the property is used (owner use only vs letting) and how long it’s left empty, so we’ll ask a few quick questions to match you with the right policy. Find out more about Holiday Home Insurance.

If you work from home in the UK, you may need business insurance depending on your specific situation. Here’s what you need to know: For Remote Employees If you’re an employee working remotely (for example, if you’re a full-time office worker who now works from home), typically: Your employer’s insurance should cover company-provided equipment like laptops and phones Your standard home insurance may be sufficient, but you must inform your insurer about your home working arrangement Check with your employer about their insurance coverage for remote workers 💡 Example: If you’re a marketing manager working remotely for a London-based company, your work laptop and phone should be covered by your employer’s insurance. However, you should still notify your home insurer that you’re working from home to ensure your home insurance remains valid. When You Definitely Need Business Insurance You need dedicated business insurance if you: Store valuable stock or materials at home (such as if you’re a craftsperson or retailer) Use specialised equipment worth more than your home insurance’s single-item limit Have clients or employees visiting your home Take business equipment outside your home regularly Equipment Coverage For basic equipment like laptops and phones: If you’re an employee, your employer’s insurance should cover company-provided equipment If you’re self-employed, check if your home insurance provides adequate coverage Consider additional business contents insurance for specialised or high-value equipment Next Steps Contact your current insurer to: Declare your home working status Understand your current coverage limits Identify any gaps in protection that need addressing Have unanswered questions? Chat to us today to discuss your unique situation – We’re here to help!

Home Emergency Cover protects you for a wide range of emergencies that can happen at home that require immediate assistance from a professional such as an electrician, a plumber, builder or other specialist. We will arrange for an approved contractor to resolve the emergency situation.

If you have a confirmed price quoted on our website and you are happy with the terms, it’s very easy to purchase the policy online. You can view and buy previously saved quotes using My Account. If you need any assistance, one of our team can help you via Live Chat . If you haven’t got a confirmed price after completing the quote, it means we require further information for the insurer, so contact our team who can complete this with you.

Understanding the impact of a voluntary excess on your home insurance premium is crucial for making cost-effective decisions. Here’s what you need to know: Insurer Variation The effect of a voluntary excess on your premium varies among insurers. In many cases, opting for a higher voluntary excess can lead to a reduction in your overall premium. Premium Reduction Potential When you choose a voluntary excess, insurers may offer lower premiums as you are agreeing to contribute more towards the cost of any potential claims. Financial Considerations While a higher voluntary excess can lead to premium savings, it’s essential to assess your financial capacity. Ensure you can comfortably cover both the voluntary and compulsory excess amounts if a claim arises. Risk and Savings Balance Finding the right balance between the savings gained through a reduced premium and the potential financial burden in case of a claim is key. Evaluate your risk tolerance and financial situation before deciding on a voluntary excess. Insurer Guidance Consult with your insurer to understand how different voluntary excess amounts may impact your premium. Insurers can provide personalised insights based on your specific circumstances. Summary Making an informed decision about a voluntary excess involves considering both potential premium savings and your ability to cover excess amounts during a claim. Reach out to us for guidance tailored to your policy and circumstances.

All policy documents are stored in My Account New Policy – available within a few minutes following purchase of a new policy Renewal invitation documents – available around 25 days before your renewal date Renewal confirmation – available within 1 working day of paying for your renewal Quote documents are also stored in My Account and you can access these selecting Retrieve Quote and registering for My Account