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Intelligent Insurance policies offer comprehensive coverage for damages to contents resulting from various events, ensuring your belongings are safeguarded in diverse scenarios. The covered incidents include: Fire Riot, civil commotion, labour or political disturbances, and strikes Malicious damage Impact from aircraft, vehicles, or trains; falling aerials or masts; falling trees or branches; animals Storm, flood, or weight of snow Subsidence or ground heave of the site where the buildings stand, or landslip Escape of water from, or freezing in any fixed domestic water or drainage installation, heating installation, washing machine, dishwasher, fridge, freezer, or water bed Theft or attempted theft Escape of oil from a fixed, domestic, oil-fired heating system Additional Benefits Include In addition to the core coverage, Intelligent Insurance goes beyond, offering a range of additional benefits to enhance your protection: Accidental loss of metered water or oil Damage to food in the fridge or freezer Alternative accommodation Replacement locks and keys Change of address – contents cover Contents in transit Death benefit Damage as a tenant Increased cover for special events Loss of use of broadband / internet Contents at university and guests’ contents Shopping in transit Theft by bogus official Medical equipment on loan Jury service – loss of earnings Damage by emergency services Electronic data Contents temporarily away from home With Intelligent Insurance, you enjoy comprehensive protection, ensuring your peace of mind in a wide range of situations. Call us on 0333 311 1110, speak to us via chat, or get your quote directly online.

Choosing the right level of personal belongings cover is crucial for comprehensive protection. Our policies offer the flexibility to select coverage up to £20,000, allowing you to safeguard your belongings with confidence. Tailoring coverage to your needs Whether you have a modest collection of personal items or high-value possessions, our customisable options ensure that you can tailor the coverage to suit your unique requirements. This way, you have the peace of mind that comes with knowing your belongings are adequately protected. Specifying high-value items In situations where you own individual items surpassing £2,000 in value, our policy allows for their separate specification. By doing so, you ensure that these high-worth belongings receive the specific attention and coverage they deserve, contributing to a more comprehensive and personalised insurance solution.

When it comes to Home Emergency cover, it’s essential to grasp the details of your policy. Under the standard Home Emergency coverage, you have the flexibility to make claims, each with a maximum limit of £250 per emergency. This means you can address various unexpected home emergencies, from boiler breakdowns to plumbing issues, with financial support. Annual Cap for Standard Coverage For standard coverage, there’s an annual cap in place to ensure a balanced usage of your coverage. You can make claims up to a total of £500 in any given year, offering a reasonable limit for addressing emergency situations. Enhanced Protection with Home Emergency Plus For those seeking extra protection, Home Emergency Plus offers an elevated level of coverage. This enhanced plan increases the limit per emergency claim to £1,000. Simultaneously, the total claims limit within a single insurance period is £1,000, delivering comprehensive protection for various emergencies. Navigating Unforeseen Home Situations Understanding the limits of your Home Emergency coverage empowers you to navigate unforeseen situations with confidence. Whether you choose standard coverage or opt for the enhanced Home Emergency Plus, Intelligent Insurance is dedicated to providing comprehensive solutions tailored to your needs. Summary Feel secure in the knowledge that your Home Emergency coverage is designed to offer financial support when you need it most, ensuring peace of mind for unexpected home emergencies.

Yes, your robotic mower counts as domestic garden machinery, so any loss or damage caused by the insured perils is covered under the Contents section while it’s on your property. Theft from an open garden is capped by the “Contents in the open” limit on your Schedule (typically £1,000). Storing the mower in a locked attached garage or lean-to moves cover up to your full Contents sum-insured (standard £100 k). In a locked detached outbuilding, it comes under the combined Outbuildings-contents pool of £5 k (extendable to £10 k). Away-from-home cover isn’t available. Personal Belongings only applies to items “you might wear or carry”; it excludes motor-powered devices (other than small carve-outs such as mobility scooters Mechanical or electrical breakdown and gradual wear-and-tear aren’t insured. How the policy treats a robot mower Scenario Where the cover sits Key limits & conditions Fire, storm, flood, impact, malicious damage or theft while the mower is inside the home or an attached garage / lean-to See Contents – Section 2 Up to your overall Contents sum-insured (typically £100 k). No single-article limit because the mower isn’t High-Risk Property. Same perils while the mower is stored in a locked, detached shed, standalone garage or garden room Outbuildings-contents pool Combined limit £5,000 for all detached outbuildings (can be increased to £10,000 on request). Theft from the garden in the open (while mowing or docked outside) “Contents in the open” benefit Payout capped at the garden-contents limit on your Schedule (usually £1,000). Accidental Damage (e.g. driving over it, dropped while carrying) Optional Accidental Damage to Contents Available if you selected this add-on; Contents excess applies Taken off-site (neighbour’s lawn, holiday home) Not covered Personal Belongings excludes motorised vehicles and their accessories, so a robot mower can’t be added What isn’t covered Mechanical/electrical breakdown or wear-and-tear. Theft while unattended with security features disabled (policy may deem this “carelessness”). Amounts above your Contents sum-insured or the garden-contents limit if you haven’t increased them to reflect the mower’s value. Protection tips Anchor the charging dock to a solid surface and enable the PIN/GPS lock. Store overnight in a locked shed/garage to avoid the garden-limit cap Keep purchase receipts & serial number – they speed up claims.

Determining the rebuild value (not resale) of your home is crucial for setting the right level of buildings insurance. Here are two reliable methods to assess this value: ABI’s Rebuild Calculator Guide Price: An accessible option is to use the Association of British Insurers (ABI) rebuild calculator. This online tool provides a guide price based on various factors, including the size and type of your property. Ease of Use The ABI’s rebuild calculator is user-friendly, allowing you to input essential details and receive an estimated rebuild value promptly. Limitations While this provides a useful starting point, it’s important to note that it offers a general estimation and may not account for specific features or materials in your home. Professional Surveyor Accurate Calculation For a more precise and tailored assessment, consider hiring a professional surveyor. Surveyors have the expertise to evaluate the specific characteristics of your property, including construction materials, unique features, and overall condition. Site Visit A surveyor typically conducts a site visit to thoroughly assess your home, taking into account factors that may not be covered by online calculators. Detailed Report Upon completion, the surveyor provides a detailed report outlining the rebuild value of your home. This report can be invaluable for obtaining accurate and comprehensive insurance coverage. Why Rebuild Value Matters Understanding the rebuild value is essential because it represents the cost of rebuilding your home from scratch in the event of a total loss, such as fire or structural damage. It ensures that your insurance coverage adequately reflects the cost of reconstruction, preventing underinsurance. Choosing the Right Method Deciding between the ABI’s rebuild calculator and a professional surveyor depends on your preferences, the complexity of your property, and the level of accuracy you seek. While the calculator offers convenience, a surveyor provides a more detailed and personalised assessment. Summary By using these methods to determine the rebuild value, you can make informed decisions about your buildings insurance coverage, ensuring that you have adequate protection in place.