At Intelligent Insurance, we take a fresh approach to second homes. We go beyond the standard cover options, tailoring policies to your unique needs and offering comprehensive cover for peace of mind*.
Our specialist team provides support at every step.
It is very easy to renew your policy and there are different options available depending on your method of payment. Visit Manage My Renewal
If you make a change to the Statement of Fact, for example, adding a lodger or inform us that renovations are in progress etc, a £30 administration fee will apply.
Sometimes changes will result in an amendment to the premium, for example adding cover, change of address. This could mean a refund or an additional premium to pay and will be in addition to any administration fee that applies.
Changes to risk can also adjust the terms of the policy i.e. if you are going to leave your home unoccupied, the insurer may ask for increased security checks.
Full details and ways to cancel can be found on our cancellation page.
We would rather not lose you as a valued customer, so if there is anything we can do to help you with this, contact us via Online Chat.
Cancellations are subject to a £60 cancellation fee.
Policies will automatically renew depending on your renewal preferences. If you wish to cancel your auto renewal, please visit Manage my Renewal page.
You can also let us know by talking to us on Live Chat during working hours.
Be sure to include your Policy Number.
Contact your insurer as soon as any incident or loss occurs. Your insurer is named on your Home Insurance Policy Schedule or look up the information by entering your policy number in this handy look up tool: Who is my insurer?
Claims numbers can also be located here.
We are sorry we have got something wrong this time. We are keen to put things right as quickly as possible.
Visit Raise a Complaint so we can look to resolve the issue promptly.
Visit My Account
First time users will need to select Create Account. Use the same email address that you used when you set up your quote or policy, and then create a password. You will then receive an email requesting you to verify your email address. Once verification is complete you can then access My Account using your email and the password you created.
Existing users select the Log in option
All policy documents are stored in My Account
New Policy – available within a few minutes following purchase of a new policy
Renewal invitation documents – available around 25 days before your renewal date
Renewal confirmation – available within 1 working day of paying for your renewal
Quote documents are also stored in My Account and you can access these selecting Retrieve Quote and registering for My Account
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:
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.
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.
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.
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.
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.
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.
Need guidance on choosing the right level of protection? Our insurance advisors are here to help.
You will receive an email notifying you of your renewal invitation (around 1 month before it is due). This will direct you to My Account where you can review the renewal invitation including the premium for the year ahead, the insurer and the method of payment. You can also renew online (if applicable) and opt in to auto renewal.
Your renewal offer email will explicitly state whether your policy is set to auto-renew. Additionally, you can check your renewal status in My Account to see if your policy is configured for automatic renewal.
If your policy isn’t scheduled for automatic renewal, you can proceed online to review the terms, cover details, and make a payment using your card. If you decide not to renew, please inform us directly. If you pay monthly cancelling your direct debit with the bank won’t cancel the policy; you need to notify us, as we manage the policy administration.
Whether it’s a modern terrace, a Grade II listed cottage or a home with quirky features, our second home buildings insurance is tailored to your property’s exact risks.
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
If your second home is likely to be unoccupied for an extended period, such as during renovation, sale, probate or between tenants, we can also arrange specialist unoccupied home insurance to help protect your property while vacant.
Here’s What You Get With Intelligent Insurance:
Ready to get insured? Get an online quote for your second home now.
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
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“I needed buildings insurance for a listed second home. Intelligent Insurance recognised my requirements and provided a very competitive quote. Payment was handled smoothly and everything is now in place.”
If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.
Making a claim has never been easier – just follow these three simple steps.
Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.
Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.
If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.
