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No, making a claim under legal expenses cover does not impact your home insurance no claims discount. Legal expenses cover is a separate component of your insurance policy, specifically designed to provide assistance with legal costs arising from unforeseen events. Preserving Home Insurance Benefits Your home insurance no claims discount remains unaffected by claims made under legal expenses cover. This separation ensures that your history of responsible home insurance claims does not face any repercussions due to legal matters covered by this additional feature. Focus on Legal Matters Legal expenses cover addresses legal challenges and associated costs, offering you support and protection in legal proceedings. This distinct coverage is structured to manage legal complexities without influencing the separate benefits tied to your home insurance no claims discount. Summary By maintaining this separation, Intelligent Insurance ensures that policyholders can utilise legal expenses cover without concern for its impact on their home insurance no claims discount.

Yes, you have the flexibility to add family legal protection plus cover at any time during your period of insurance. Intelligent Insurance offers policyholders the convenience of enhancing their coverage by including legal expenses plus cover, even after the initiation of the main home insurance policy. Pro-Rated Premium Calculation Opting to add legal expenses plus cover mid-policy enables us to pro-rate the premium for this additional coverage. We calculate the cost proportionally based on the remaining months of your main home insurance policy. Summary The ability to add legal expenses plus cover at any time reflects Intelligent Insurance’s commitment to adapting to the evolving needs of policyholders. This flexibility allows homeowners to align their insurance coverage with changing circumstances, providing comprehensive protection and peace of mind throughout the policy period.

Understanding the impact of a voluntary excess on your home insurance premium is crucial for making cost-effective decisions. Here’s what you need to know: Insurer Variation The effect of a voluntary excess on your premium varies among insurers. In many cases, opting for a higher voluntary excess can lead to a reduction in your overall premium. Premium Reduction Potential When you choose a voluntary excess, insurers may offer lower premiums as you are agreeing to contribute more towards the cost of any potential claims. Financial Considerations While a higher voluntary excess can lead to premium savings, it’s essential to assess your financial capacity. Ensure you can comfortably cover both the voluntary and compulsory excess amounts if a claim arises. Risk and Savings Balance Finding the right balance between the savings gained through a reduced premium and the potential financial burden in case of a claim is key. Evaluate your risk tolerance and financial situation before deciding on a voluntary excess. Insurer Guidance Consult with your insurer to understand how different voluntary excess amounts may impact your premium. Insurers can provide personalised insights based on your specific circumstances. Summary Making an informed decision about a voluntary excess involves considering both potential premium savings and your ability to cover excess amounts during a claim. Reach out to us for guidance tailored to your policy and circumstances.

My Account is an integral part of our commitment to providing a seamless and user-friendly insurance experience. This secure online portal serves as your centralised hub for managing various aspects of your insurance journey. Whether you’re in the initial stages of obtaining a quote, actively holding policies, or considering renewals, My Account streamlines these processes for your convenience. Key Features Policy History My Account preserves a comprehensive history of your insurance quotes and policies. Easily reference past interactions and decisions to stay informed. New Policy Purchase Initiate the purchase of a new policy directly from My Account. Enjoy a straightforward process tailored to your specific needs. Policy Management Make necessary changes or additions to your existing policies hassle-free. My Account empowers you with control over your insurance details. Renewal Management Efficiently manage and pay for renewals within the My Account platform. Stay on top of expiration dates and ensure continuous coverage. Accessing My Account To experience the convenience of My Account, simply click on My Account or via the link navigation menu on our website.

To register for My Account, follow these simple steps: Email Instructions: Check your email for instructions on account creation. Click on the provided link to ‘Create an account’. Visit the Website: Alternatively, visit https://myaccount.intelligentinsurance.co.uk. Ensure you use the same email address used during policy or quote setup. Set a Password: Set a secure password for your account. Verification Email: After completion, a ‘verification email’ will be sent to your registered email address. If the email is not received, double-check for any typos in your email address. Check your junk or spam filter for the verification email. Verification Process: Follow the steps in the verification email to complete the process. Accessing My Account: Once verified, log in to My Account using your email and the password you created. Registering for My Account is essential for managing your policies, accessing documents, and making convenient changes. If you encounter any issues, ensure accurate email details and check your spam folder for the verification email.