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Yes, you can insure a property you don’t own, but specific conditions must be met. The insurance policy is generally intended for the person or people listed as the policyholder(s). However, insurance coverage can be extended to individuals who have a significant legal interest in the property, such as in cases where contracts have been exchanged for a sale, or when you’re a tenant with a financial interest in the property. If you wish to insure a property you don’t own, it is crucial to inform us and ensure your policy accurately reflects your situation. Misrepresentation of ownership or interest in the property could result in issues with claims or the overall validity of the policy.

Intelligent Insurance home policies include an element of FREE home emergency cover as standard. Under this policy you are covered up to £250 for an emergency callout, with a maximum claims limit of £500 per year. Cover includes: 24 hour helpline Plumbing Drainage Internal electrics Pests Internal gas pipes Roof damage

Understanding the distinction between excess and voluntary excess is essential for navigating your home insurance policy: Excess Defined An excess is the amount you must contribute towards a claim before your insurer covers the remaining costs. It consists of both compulsory and voluntary components. Compulsory Excess This is the mandatory amount set by your insurer, automatically applied to every claim. It is non-negotiable and forms part of the total excess. Voluntary Excess Unlike compulsory excess, this is an optional amount you can choose to pay voluntarily in addition to the compulsory excess. Opting for a higher voluntary excess may lower your premium but increases your upfront contribution in a claim. Combined Impact In the event of a claim, both compulsory and voluntary excess amounts are combined. For example, if the compulsory excess is £200 and you choose a voluntary excess of £100, you would pay a total excess of £300. Premium Considerations Selecting a higher voluntary excess might lead to a reduced premium, but it’s crucial to weigh the potential savings against your ability to cover the higher excess during a claim.

Your policy excesses (the amount you pay when making a claim) are detailed in your: Quote documentation Policy schedule in My Account Different insurers have different excess structures, so always check your specific policy documents for the exact amounts that apply to you.

This depends on your insurer and type of claim. Your claims handler will: Explain when the excess needs to be paid Guide you through the payment process Provide specific details for your situation Remember: Claims are handled directly by your insurer, not by Intelligent Insurance. You can: Find your insurer details in your policy schedule Check our Claims & Emergency Helplines page View your policy excess amounts in your policy documents

Yes you can.  You may not wish to insure your contents, or your contents policy may be due at a different time to your buildings policy. However, if you are buying both contents insurance and building cover, we would always recommend purchasing the two policies together.  Most companies will offer a discount for combining the two elements, but purchasing both together is not essential.

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