When you have the pleasure of owning an older house, getting the right home insurance cover is essential as the costs of repairs to these special buildings can be more expensive, especially when the construction materials are considered to be non standard.
Intelligent Insurance consider the age and construction of these properties to provide a tailored quote to your home and circumstances*. If your home is listed, this also needs to be noted.
Insuring your home without taking these factors into account could leave you under insured in the event of a claim, so use a specialist provider to help you get the right cover for your old house.
It is possible that insuring an older home will be more expensive than a more modern building. This is because it is likely the property has been constructed from some non standard materials or materials that are no longer easy to buy or are expensive to replace. There are several factors that are used to calculate insurance costs and age of property is one, as well as the area you live, your claims history and other personal circumstances.
At Intelligent Insurance, we provide cover for houses built after the year 1700.
Check the title register or title deeds that you obtained when you purchased the house. Alternatively you can contact HM Land Registry or us a free tool such as Property Checker
A rough estimate of when the house was built is enough information to get an insurance quote.
We offer several additional coverage options to provide comprehensive protection for your period property. These include accidental damage cover, legal expenses, and coverage for valuable personal property, among others. Our team can help you customise a policy that perfectly fits your needs.
Intelligent Insurance approaches old house cover with a smart, personalised touch. Understanding that each property and homeowner’s circumstances are unique, we tailor our policies to your needs.
This intelligent approach ensures that whether your home is a standard build, a listed property, or has unique characteristics, your insurance coverage is as individual as your home.
We’re committed to providing protection that adapts to your specific needs, offering peace of mind and comprehensive cover for both buildings & contents.
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
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If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.
Making a claim has never been easier – just follow these three simple steps.
Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.
Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.
If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.
