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Live chat is our fastest and most efficient contact method during office hours. It allows us to: Respond to your queries instantly Make policy changes quickly Access your information securely For alternative contact options, visit our contact us page.

Visit the Premium Credit portal to manage your payment dates online. Before you begin: Have your Premium Credit reference (starts with “D”) or Your Intelligent Insurance policy number ready Need help? Contact Premium Credit directly: Phone: 0344 736 9836 Visit their contact page online You can also use the portal to: Update your personal details Change bank details View your balance Manage missed payments

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.

Buildings insurance – Comprehensive Protection Buildings insurance is a fundamental component of home insurance, providing essential coverage to homeowners. It serves as a financial safeguard against the potential costs associated with repairing or rebuilding a home that has suffered damage or destruction due to various unforeseen events. Covered Elements Moreover, this type of insurance extends coverage to the structural components of your home, encompassing the roof, walls, and windows. Additionally, this type of insurance includes protection for permanent fixtures and fittings within the property. This can range from fitted kitchen units to bathroom suites, ensuring that integral elements of your home are covered in the event of damage. Shielding Your Home The primary purpose of buildings insurance is to shield homeowners from the financial burden of repairing or reconstructing their homes. Whether it’s damage caused by natural disasters, accidents, or other covered events, buildings insurance steps in to alleviate the costs associated with restoring the structure to its pre-damaged state. Financial Security Investing in buildings insurance, therefore, provides homeowners with peace of mind, knowing that their most significant investment—their home—is protected against unexpected challenges. This type of coverage is particularly crucial for individuals who have mortgages, as lenders often require insurance to mitigate their risk. Summary By understanding the purpose of buildings insurance, homeowners can make informed decisions about their insurance needs, ensuring comprehensive protection for their homes.

Home insurance focuses on covering the damage resulting from specific incidents, not the events themselves. For instance, if your carpet sustains water damage due to a burst pipe, you’d file a claim under your contents policy. However, home insurance doesn’t cover the costs of hiring a plumber to fix the damaged pipe. Role of Home Emergency Cover Home Emergency cover, on the other hand, addresses the immediate resolution of emergency situations. In the scenario of a burst pipe, it would cover the costs of a contractor to repair the pipe, not the resulting damage to the carpet. Policy Considerations Understanding the distinctive roles of home insurance and Home Emergency cover allows homeowners to make informed decisions when crafting a comprehensive insurance policy that addresses both long-term protection and immediate emergency response. Tip: Refer to the policy book for a comprehensive list of coverage details and exclusions. Summary Explore the unique roles of home insurance and Home Emergency cover to tailor a comprehensive insurance strategy that addresses both long-term protection and immediate emergency response.