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Help Centre / Policy Cover

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  • Buildings Cover
    • Solar Panels
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    • General
    • Outbuildings
    • Accidental Buildings Damage Insurance
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How do I notify you that the policyholder has died?
Please inform us as soon as possible if the policyholder has passed away. Explanation: The death of the named policyholder changes who is responsible for the property and may affect cover. Prompt notification lets us update the policy, deal with the executor and arrange any additional cover that may be needed. Failing to advise us could delay or invalidate future claims. Next Steps: Speak to one of our advisors on live chat or call us on the number shown in your policy documents. Quote the policy number and the full name of the deceased. Give contact details for the executor or next of kin. Be ready to supply a copy of the death certificate if we request it.
Can I insure a property I don’t own?
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.
Do I have home emergency cover included in my home insurance?
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
What is the difference between an excess and a voluntary excess?
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.
What are the excesses on my home insurance policy?
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.
Do I have to pay the excess amount before my claim can be progressed?
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
Can I buy buildings insurance without contents insurance?
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.
Policy documents
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  

Home Insurance Specialists names you can trust

We work with experienced and established insurers to give you peace of mind that your home is protected

Allianz Insurer
Intelligent Insurance | Panel Member | Arkel
Intelligent Insurance | Non-Standard Home Insurance
Intelligent Insurance | Prestige Underwriting Services Panel Member
Intelligent Insurance | Panel Member | AXA
Intelligent Insurance | Panel Member | Pen Underwriting

Intelligent Advisory Services Limited is registered in England and Wales (Reg. No. 07839423).

Address: 4 Lakeside, Headlands Business Park, Salisbury Road, Ringwood, BH24 3PB

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Intelligent Insurance and Intelligent Insurance Complete Home are trading names of Intelligent Advisory Services Ltd and is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 624474. You may check this on the Financial Services Register by visiting the FCA's website or by contacting the FCA on 0800 111 6768. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s)