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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.

High-risk or high-value items, as classified by Intelligent Insurance, encompass a range of precious possessions. These include: Jewellery: Adornments crafted with valuable gems and metals. Precious Stones: Gemstones of significant value and rarity. Clocks & Watches: Timepieces of notable worth and craftsmanship. Furs: Luxurious garments made from high-quality fur. Articles made from gold, silver, and other precious metals: Items fashioned from valuable metals. Photographic Equipment: Specialised gear for capturing moments. Binoculars & Telescopes: Optical instruments for observation. Musical Instruments: Instruments valued for their craftsmanship and quality. High End Hifi Equipment: Hifi separates, like speakers, turntables and amplifiers. Pictures and other works of art: Artistic creations with intrinsic value. Collections of stamps, coins, or medals: Assorted sets of stamps, coins, or medals with value and significance.. Computer Equipment: Apple Laptops, Gaming PC desktop computers & accessories These items are automatically covered up to £2,000 per item, provided you have the correct level of valuables cover on your policy. However, items exceeding £2,000 in value need to be explicitly named on your policy, regardless of whether they are kept within or outside your home. This precautionary measure ensures comprehensive coverage and prevents underinsurance.

When you opt for bicycle cover within your policy, Intelligent Insurance ensures that your pedal cycles are safeguarded both inside and outside your home. This comprehensive coverage extends to protection against damage and theft, provided your bicycle is properly secured with a lock. Flexible Protection on the Move Intelligent Insurance offers flexibility, allowing you to enjoy coverage for your pedal cycles wherever you go. This means you can pedal with peace of mind, knowing that your bicycles are protected not only against damage but also in the unfortunate event of theft when secured with a reliable lock. Key Considerations Coverage In and Outside the Home: The bicycle cover spans across different scenarios, offering protection in the familiar confines of your home and extending to various locations outside. Damage Protection Whether you encounter damage to your pedal cycles during transit or while stationary, the coverage ensures you’re financially protected. Theft Security Intelligent Insurance prioritises the security of your bicycles. When properly secured with a lock, the coverage includes protection against theft, providing added reassurance for your valuable possessions. Summary By including bicycle cover in your policy, you make a proactive choice to safeguard your cycling assets wherever your adventures take you. With Intelligent Insurance, enjoy the freedom to explore, knowing your pedal cycles are backed by comprehensive and reliable coverage.

Adding home emergency plus cover to your Intelligent Insurance home insurance policy is a cost-effective choice. For only £57.12 per year or a budget-friendly £5.33 per month, you can enhance your coverage and gain additional protection for unforeseen home emergencies. Comprehensive Coverage The affordable premium for home emergency plus cover ensures that you have access to comprehensive protection. This extension adds value to your policy, covering a range of emergencies that may occur in your home. Enhanced Peace of Mind Investing in home emergency plus cover goes beyond affordability; it provides enhanced peace of mind. Knowing that your policy includes additional protection for emergencies contributes to a sense of security for you and your home. Simple Addition to Your Policy Intelligent Insurance simplifies the process of adding Home Emergency Plus cover to your policy. Simply chat with our team or manage your policy directly from your online account to add this coverage. Summary Explore the cost-effective option of home emergency plus cover at £57.12 per year or £5.33 per month. With this addition, you can enjoy enhanced protection and peace of mind for unexpected home emergencies.

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.