Search Results

Premium Credit (PCL) is the UK’s leading insurance premium finance company who partners with us to manage your direct debit payments. They: Process all our direct debit arrangements Provide flexible payment options for insurance premiums Are regulated by the Financial Conduct Authority You can learn more about Premium Credit on their website.

Yes, you will need to cancel your home insurance when you sell your house. Your existing policy is specific to the property listed on it, so once you no longer own that property, the insurance coverage must be terminated. However, here are a few key points to consider: Exchanged Contracts: If you have exchanged contracts to sell your home, the buyer may benefit from the insurance under your policy until the sale is completed, provided they do not have insurance cover elsewhere​. Cancellation Process: To cancel your policy, you will need to inform your insurer. They will calculate any refund on a pro-rata basis for the unused portion of your premium, minus any applicable fees​. No Loss of Premium: If you are in the process of moving to a new property, some insurers allow you to transfer your policy to the new home, subject to their approval. This could avoid losing any premium you’ve already paid​.

Quick answer (TL;DR) Yes, Intelligent Insurance can usually insure properties constructed with Structural Insulated Panels. Cover excludes loss or damage caused by faulty workmanship, defective design or materials, exactly as for any other build type. Why SIPs are treated as “non-standard” Characteristic Why underwriters need more detail Timber-framed load-bearing shell Timber behaves differently from masonry in fire and flood scenarios. Integral rigid-foam insulation Integral rigid-foam insulation Off-site manufacture Quality is excellent when certified – but a small number of rogue kits exist, so we look for BBA-approved panel systems or a recognised warranty. What information you’ll be asked for Panel system & certs: Make/manufacturer, BBA or ETA approval, structural-warranty provider. Construction date or stage: Finished, under renovation or still being built? External cladding & roof type: Brick slip, render, timber, tile, metal? Any unusual foundations or ground-floor system: Raft slab, insulated slab, suspended timber, etc. Heating & ventilation: MVHR, heat pump, wood stove? (helps us gauge fire & escape-of-water risk). How cover looks once the policy is live: Scenario Buildings / Contents response Notes Fire, storm, theft, escape of water Covered up to your sums-insured, just like a masonry house Sums-insured should reflect the (often higher) specialist rebuild cost of SIPs Accidental Damage (e.g. drilling through a panel’s vapour barrier) Covered if you’ve taken the optional Accidental Damage extension Exclusion still applies for poor workmanship Gradual damp from a tiny leak inside the panel Not covered – regarded as gradual deterioration Prompt leak detection is critical in airtight builds. Major alteration / extension using SIPs Treats the home as “under renovation” until signed off; some perils may be limited (e.g. theft/malicious) Tell us before work starts so we can keep cover seamless. Tips for smoother quoting & claims: Keep your warranty & completion certificate handy. Review your Buildings sum-insured – SIP rebuilds can cost 15–25 % more than equivalent brick/block. Install leak-detection sensors in wet rooms and plant areas. Maintain the cladding – intact external skin prevents UV and moisture damage to the panels.

Short answer: Most renters take out tenants’ contents insurance to protect their belongings. Buildings insurance is the landlord’s responsibility. Core cover Contents insurance (at the address you rent): Protects your belongings (e.g. furniture, clothes, electronics) against insured events such as fire, theft and escape of water.