Cheap Home Insurance

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This is how it works. Once you know which your cheapest provider is, you need to check you're not missing out on any cashback deals. Buy a new buildings only, contents only OR combined buildings and contents policy by Friday 30 November, via this MSE Blagged link, and get a £45 Amazon e-gift card emailed to you.

Find the perfect cover for your requirements today. The bag a had my phone, wallet, watch and gym kit in it.

Cheap Home Insurance

There are three main house insurance or flat insurance policies: buildings insurance, contents insurance and combined building and contents cover. Buildings insurance cover protects the structure, the fixtures and fittings in your home; while contents insurance covers your belongings. Combined buildings and contents cover is only suitable for people who own the freehold of their homes. If you rent or own the lease only, buildings cover should be handled by your freeholder or managing agent. Contents insurance, however, is your responsibility and should be considered by everyone. See our guide for more. The contents part of your insurance protects you against damage and theft to possessions in your home, garage and shed. The buildings part protects the structure of your home and permanent fixtures and fittings, such as doors and sanitary equipment baths, basins, toilets and showers. It can differ from policy to policy, but home insurance will usually cover damage from storms, flooding, earthquakes, fire, lightning, explosions, theft, riots and vandalism. It also covers damage from falling trees, motor vehicles and escaping water such as a burst pipe. Your cover should also protect you against subsidence a shifting of the ground, which can cause your house to sink. If you need both building and contents insurance, buying combined insurance can be cheaper, and limit any disputes amongst insurers, for example, if you need make a claim affecting both the structure of your home and its contents, such as a flood. Should you decide to buy two separate policies and you need to claim, there may be arguments between your two providers over who should cover what. It is rare but it is possible. There are limits on how much you can claim for, so if you're concerned about fancy frozen goods or you have cash hidden in your mattress, check your policy carefully. Both contents and buildings policies give you legal liability protection as the occupier and owner, of the home. This means that as part of the contents policy, the insurer will cover you and your legal costs if a visitor to your home is seriously injured and it's deemed to be your fault. A buildings policy will do the same if the structure injures a passer-by or visitor, or damages a neighbour's property. It also doesn't cover damage due to wear and tear. Your policy may also be invalid if your house is unoccupied for more than 30 consecutive days during the year see the 'Leaving the house unoccupied' dropdown below for more. There's also usually only limited cover for accidental damage see 'Accidents' dropdown below. Check the small print carefully before you buy. Not being in your home can have consequences for your cover. If you sub-let your home, you won't be able to claim if you are burgled and there's no sign of forced entry. Or if you're away for a long time and a pipe bursts, your insurer may not pay out. Insurers won't protect everything in your home just because you've bought cover — look out for situations where you'll need to make special arrangements. If you've a stash of high value items, there may be a limit on the insurance. If you run a business from home, then that usually won't qualify for liability protection, while business-related contents may not be covered. Most standard policies usually cover you for limited accidental damage, such as a broken window. Some contents will also be covered for accidental damage. Electrical goods may be insured for instance, but if you spill paint on your carpet, it's unlikely to be covered. Many insurers offer extra cover for an additional cost. If you're particularly clumsy, you should give it some thought. Read your terms and conditions carefully to see what you are and aren't covered for as standard. It'll cost a little bit more but you can usually get insurance for items such as your handbag, digital camera, bicycle, smartphone and tablet both outside the home and overseas. As a rule of thumb, if it's designed to be taken out of the home, it'll fall under this extension. As always, check your policy carefully. There may be limits to the cover and the items might have to be specifically mentioned in your policy documents. In many cases, such as for valuable bicycles worth £1,000 or more, you could be better off taking out a policy. Equally, if you carry a lot of valuable gadgets, eg, a laptop, tablet and smartwatch, then could be worth considering. Almost all insurers restrict the number of days you can leave your home unoccupied for while still covering you — usually 30 days. Leaving it empty for long periods makes it more at risk of burglary, and the cost of any claims greater as any damage can be left undetected for weeks. What's more, during the colder months insurers reduce the number of days you can leave your home empty for to as low as five days UNLESS you keep the heating on at a minimum constant temperature or drain the water heating system not for the faint-hearted. The reason for this is to reduce the risk of burst pipes and the damage they cause. For example, with Admiral, if you go away for five days or more between November and March, you would only be fully covered if you keep your home constantly heated to 12°C, or turn off your water supply at the mains and drain the water system. Also, if you're insured with Policy Expert and leave your home unoccupied for 15 days or more during November until the end of March, you may not be fully covered unless you've set the heating at a continuous min temperature of 14°C or have switched off your gas and water supplies at the mains. Failing to leave the heating on when you're away could see any claims made for the period you were away being declined, risking costs running into £1,000s. If unsure, just give it a call. But pricey items, usually ranging from £1,000 to £2,000, have to be separately listed to be covered on many policies. Expensive purchases such as laptops and jewellery including engagement rings may not be covered if they were bought after your policy was taken out. Even if your goods are valued under £1,000, some of them may not be covered, especially if they are mobile phones or tablets. A number of providers insist these items are specifically named on the policy, regardless of their value. After you buy something expensive, always check your policy carefully to ensure it's covered. Always keep hold of — and safeguard — receipts for valuable items like jewellery and big-ticket items such as specialist cameras or high-spec televisions. Insurers will usually want to see proof of purchase before paying out; a receipt, photograph, valuation for jewellery or antiques or even bank statement will suffice. This is also the case if adding such items to an or 'personal possessions' add-on to your contents policy. Whether your working equipment will be covered varies from policy to policy. Some insurers will cover your computer or work phone automatically, others may not. It's important to check with your insurer and notify it if you work from home — it might drastically affect your policy and could even invalidate your cover. Any business stock is usually excluded under a normal policy, so always check to see if you need specialist cover. Typically, the limit for single items ranges from £1,000 to £2,000, so check your policy and call your insurer if you've purchased anything above your limit. Many home insurers automatically increase your contents cover in December and some even into January at no cost but, if you need extra and your insurer does not routinely up its limits, you may have to pay a small fee if you want to extend your cover. Some insurers will also increase your contents cover for other special occasions, such as religious festivals and weddings. Here's a table of some of the market's biggest players that will increase contents cover automatically. A compulsory excess does what it says on the tin. If you make a claim, it's the amount you pay towards the cost. If your TV was stolen and you made a claim for £500, and had a compulsory excess of £50 — a typical sum — you'd get £450. If you have a £50 voluntary excess and a £50 compulsory excess, you'd only get £400. The excess is outlined when you buy the policy. What you pay is entirely up to you. A higher excess will lower the cost of your premium, with the insurer paying less if you have to make a claim. But if you make a claim, you'll get less money back. When you set your excess, think carefully. If you can't afford to cover a large chunk of the cost if you need to claim, don't set a high voluntary excess, as you'll have to pay that as well as the compulsory excess. If you need both buildings and contents insurance and you opt for a combined policy, make sure you check the details carefully. Some insurers will have a separate excess for both parts of your policy, which means a claim affecting both the structure of your home and its contents, such as a flood, will result in a double deduction. The Co-op, Hastings and Tesco may all charge two excesses on combined policies. New-for-old entitles you to brand new stuff or the requisite value if your insurer agrees to replace your damaged or stolen goods. Or there's an indemnity policy, where you get the value of the goods at the time of the loss. An indemnity policy may be cheaper, but you only get a minor payout if you need to claim. So new-for-old is the best way to go. When you calculate the cost of your contents, factor in the value of your items as if they're new. If you've been affected by storms or flooding, see how to on your insurance if hit. Here are some need-to-knows for starters... My property has been damaged. What should I do? When it comes to making repairs, don't do anything unsafe yourself. The Association of British Insurers ABI says you should contact your insurer first — it should have a 24-hour claims line — and it should arrange for someone to do any work that's covered. But if you can't get through, or it won't be able to fix the problem quickly enough, arrange to have the damage fixed yourself by calling a qualified plumber, electrician or builder. Make sure you keep any receipts as these will form part of your claim. As long as you have adequate home insurance, you'll be covered for any damage. It also nearly always includes cover for alternative accommodation if you have no access to your property. Buildings insurance will cover the structure of your home as well as fixtures and fittings, while contents insurance will cover your possessions. Items may be able to be repaired or restored — your insurer will be able to give you more information on this. Often, when claiming, vital documents or proof of possessions will have been washed away or damaged. If such documents are damaged or destroyed, get copies from the relevant provider. For example, you can go to the DVLA for motoring documents, brokers or insurers for duplicate insurance documents, or utility providers and the Passport Office. When claiming, you may have to pay towards repairs and replacements, known as an 'excess', so check your policy for the full information. You'll need to provide full details of the circumstances surrounding anything that's been lost or damaged, plus any evidence of that. Take photographs of the damage to your home, contents or car, or film the footage. This may help provide proof. If your possessions have been badly damaged or washed away, any photographs of you with a particular item when undamaged, or held by friends or relatives, will demonstrate you owned it. Receipts, credit card bills or bank account statements that show your purchases can also be used as evidence. It can take weeks, sometimes longer, for a property to fully dry out, and you should only return to your home when it's safe to do so. Also, don't be in a rush to redecorate your property. It needs to dry out properly and it'll need to be disinfected with antibacterial treatments. The restoration will start with the removal of debris and silt from the flood and properties are then stripped out, which includes hacking off damaged plaster and woodwork. More information is available in this guide how to on your insurance. For the buildings element of house insurance, a common mistake is to cover the home's market value the amount it might sell for , instead of the rebuild value — the cost of rebuilding the property if it was knocked down. The key is the cost of materials, labour and architects for your area. However, buildings policies should also cover the cost of somewhere for you to stay while your home's rebuilt or is uninhabitable. To find a rebuild value, commissioning a survey is most reliable, but it's expensive unless you're getting one anyway eg, if you're buying a new home. A less accurate, but quicker option is the. Add up everything, including smaller items such as clothes, on a 'new-for-old' basis. See the 'New for old' dropdown above for more. For example, if you insure £20,000 of possessions when you actually have £40,000, and you need to make a claim, then you'll only have 50% of your contents protected. Quick questions to consider Make sure you're especially careful when you set the value of your contents. It may affect any potential claim and your level of coverage, as most insurers will only cover you on a proportional basis. This is how it works. If you have £20,000 of possessions but you only cover £10,000, your insurer will consider you 50% covered. So if you have a claim worth £5,000, you'll only get £2,500 of your claim. If your renewal's coming up, jot it in your diary. Insurers charge more each year, knowing inertia stops policyholders switching. And even though mean insurers must now tell you the premium you paid last year in correspondence to you, don't rely on this to take action. Compare comparison sites and then call your insurer to see if it can match, or even beat, the best quote you find. If they can match or beat it, you're quids in. Based on an average price, the cheapest time to buy your policy is 17-30 days before the start date, with 21 days before being the optimum time. The differences in price are closely aligned to how much of a risk you're deemed to be, and when the highest number of insurers are likely to provide quotes see the. So if you get a quotation two or three months before your renewal is due, you've locked in a price in case costs rise in the near future. Remember, the quotations are subject to your details not changing. Set up a to remind you when it's going to expire. Well you should, as getting the right lock on your doors could massively lower your contents premium. Insurers ask what type of lock you have, so you risk invalidating your cover if you put down the wrong type. Quick questions MOST SECURE: Five-lever mortise deadlock conforming to BS British Standard 3621. This is the gold standard of locks recommended by police and loved by insurers. If you're thinking of changing your locks, this is the one to go for. The British Standard kitemark is stamped on the metal plate so it's easy to see — it's heart-shaped with an 's' in the middle. If you have one of the top four locks above ie, not 'any other lock' you should have decent security and lower premiums. Sometimes, insurers will distinguish between the four. Where they do, the five-lever mortise deadlock conforming to BS 3621 is normally the best, followed by the same lock but without the kitemark. But approaches vary among insurers, so it's a good idea to compare quotes from as many providers as possible. What lock you can have fitted may also depend on how sturdy your door frame is. A quality lock's only as strong as what it's attached to, so you'll need to take that into consideration. We ran some quotes on a price comparison website. The difference in premium between a five-lever mortise deadlock preferred by insurers and a rim automatic deadlatch with key-locking handle with the same insurer was £50 for the year. A five-lever mortise deadlock comes in at about £25 to buy, so it's cheaper to change the locks and get a lower premium with the added comfort of extra security for your home. Insurers recommend the lock is professionally fitted, the cost of which may be similar to or higher than the lock itself. But don't let that put you off. Even if it means the lock doesn't pay for itself in year one, it's an investment, so it will in the future. You can't just say you have the lock to get a cheaper premium. If you're burgled and it turns out you don't have these locks, or you haven't used them, your insurer may not pay out or will want a higher excess should you claim. Fail to let your insurer know and, just as important, your lender! For convenience, you can ring your existing insurer who — in most cases — will simply 'upgrade' your ordinary home insurance policy into a basic landlord policy. It takes just one phone call and there'll usually be a higher premium to pay to reflect this greater risk. But do this and you'll usually find your new policy won't include key landlord-specific extras such as loss-of-rent guarantee or public liability. Instead, you'll likely be better off looking for a specialist from elsewhere that includes all the add-ons as well as basic contents and buildings cover. Ensure you get the cheapest deal by doing a landlord insurance. Many policies have this cover but do check yours , as long as your home is your child's main permanent address ie, they'll return to your home when not a student. However, it only applies while the contents are in their accommodation or indeed at your home. If you want cover for mobiles or laptops, or other items your child normally wears or carries away from your home, or their accommodation, you can add an or 'unspecified personal possessions' section to your policy. This covers your child's belongings while they're out and about. But it typically comes at an added cost. Alternatively, if you prefer your child to have their own policy, see our guide. Once you know the basics from our top nine tips for cutting costs, it's time to visit the comparison sites which zip your details to a number of insurers' and brokers' websites to find the cheapest quotes. As no single site captures the entire market and prices vary, combining a number of sites is the best way to make a meaningful saving. IMPORTANT: Remember, as we've said above, can save big compared with getting it last minute. When ranking comparisons, we want to get you to use the best ones, as quickly as possible. We focus principally on price, as depending on who you are, you can get cheaper quotes on different screen scrapers. However, we also factor in 'softer' features to assess the quality of each. Ranking on price We analysed the prices of a large range of insurance quotes given by Compare The Market, Confused. Check how many times each comparison site returned the cheapest or within 5% of the cheapest quote. Rank the comparison sites based on their 'score' in the first category. Assess how often each comparison gave a unique cheapest quote, ie, not just equal cheapest with a higher-scoring comparison. Alter the order to see if it's possible to increase the speed with which you access the cheapest quotes. Quality rating out of 10 We use this as a tie-breaker, when combining two different combinations of comparisons gives similar results. If such a combo exists, we use the quality rating as a tie-breaker. The rating is based on a quarterly survey of other features of the comparisons, including their accuracy when compared with prices when you click through to the insurers. This is a newish process so we are intending to improve it as we go, and welcome all feedback. Comparison sites send your details to a raft of insurers, they then use information on your credit file to judge your quote. This leaves a 'soft search' on your file which you can see as a reference if you get your credit report — but this worries many people. Yet crucially lenders CAN'T SEE these soft searches, so they have no impact on your creditworthiness. The only time a hard search — which lenders can see — may go on your file is if you then go on and actually apply for insurance, specifically 'pay monthly' insurance because the firm effectively pays upfront for you and you repay the loan over the year. More info can be found in our guide. At Compare The Market there's a soft toy meerkat you can choose from eight for each new policy plus 2for1 cinema tickets and 2for1 at 1,000s of restaurants see for full details. Though remember: don't end up paying a higher premium than you need to because you are sucked in by the incentives on offer from one particular comparison site. Typical homes Follow the order below if your home has more than one bedroom and its contents are worth less than £35,000. This is also for policyholders who haven't made a claim in the past five years. No single site captures the entire market, combining a number of sites is the best way to make a really meaningful saving so try them one by one. High-value contents over £35,000 Having lots of contents and expensive items in your home may make it difficult to insure. Follow the steps below to find the right cover. Decide how much to cover your contents for With high value contents, it's crucial not to underinsure. It may seem cheaper to err on the low side, but this could lead to insurers not paying out when you need them to. Add up everything you'd want to replace, including smaller items such as clothes. If you insure £20,000 of possessions when you actually have £40,000, you'll at best only have half of your contents protected or, worse still, the policy could be cancelled for being underinsured. The latter will mean a hike in the future cost of insurance. To get your magic number, walk from room to room, noting what everything would cost if bought again new. When you sign up, you must specify individual items worth a lot £1,500+ — such as an engagement ring or an expensive watch — or risk them not being covered. If you're not sure, phone the insurer. Very expensive possessions — eg, antiques, paintings — should be professionally valued. Remember their value may increase over time. If you have several mid to high-value possessions, may be worth a check. Others are , which provides three types of contracts, and. It's cheaper, but it can leave you in the lurch. No single site captures the entire market, combining a number of sites is the best way to make a really meaningful saving so try them one by one. One-bedroom homes The more bedrooms you have, the higher the cost of insurance. If rooms in your home were originally used as bedrooms, but you've only ever had them function as studies or games rooms, then don't count them in the number of bedrooms. But never lie about a room's purpose — it's fraud and is illegal. No single site captures the entire market, combining a number of sites is the best way to make a really meaningful saving so try them one by one. Renting or in shared accommodation Getting insurance for a room in a shared house or flat doesn't need to be expensive. If you rent, your landlord's responsible for insuring the buildings, so you only need contents insurance. Our guide which highlights why contents insurance is essential for renters and how to get the right policy to suit you at the cheapest price. Bear in mind, insurers usually only pay out if there is a sign of forced entry — hence the importance of having the room your contents are in kept locked. Struggling to find cover Some groups, such as those in areas prone to flooding, subsidence or whose home is left unoccupied for long periods, can find it difficult to find cheap insurance cover as they are considered too high a risk. Those with a chequered financial past — such as bankruptcy or county court judgments — may struggle too. In these situations, provider's how to get a £45 Amazon e-gift card and may be able to help. If flooding is the reason you're struggling to find affordable insurance cover, has a useful tool that will list insurers to try. One final option is to try speaking to a broker about your individual circumstances find one on the website. Quick question Improve your risk profile and increase your chances of getting the lowest possible quote. Make sure you have the right security — not only to your 'self-contained' room, but to the main entrance to your home or flat. Without an approved lock, it's difficult to find a policy giving you theft cover. So know your locks — see the info on them above. Keep all your contents in your locked room. Anything left in a communal area is unlikely to be insured against theft. Made past claims in the last five years Combine the comparison sites in this order... Comparison sites zip your details to insurers' and brokers' websites, finding the cheapest. So be aware they often feed your personal details to insurers. They don't all compare the same sites, so combine them. We've analysed the comparison sites to find the cheapest results. No single site captures the entire market — combining a number of sites is the best way to make a really meaningful saving, so try them one by one. For commercial reasons, some large competitive insurers aren't included by comparison sites. And even if they are listed, they sometimes don't give you access to special deals, such as these listed below. The insurers not on comparison sites Two of the biggest insurers on the market, and , are not on comparison sites, only offering their products directly. If you already have a policy, give it a try as you could get a discount for having a policy with it. Grab up to 20% off online whether you buy buildings, contents or combined buildings and contents cover. If you're looking for temporary insurance cover to protect your building, contents or both on a monthly basis, big insurer Ageas has created the policy to cater for this. The way it works is once you have bought the policy, it continues on a monthly rolling basis, meaning it renews each month, until you stop it. As it's a new way of buying home insurance, it would be great if you could share your on our forum. Buy a new buildings only, contents only OR combined buildings and contents policy by Friday 30 November, via this MSE Blagged link, and get a £45 Amazon e-gift card emailed to you. This offer is only available to new customers who have not had an Intelligent Insurance home insurance policy in the last 12 months. The voucher will be emailed about 60 days after your policy start date. Note: It may not be the cheapest if you just have standard needs as this provider specialises in arranging cover for people who find it difficult to find home insurance cover, such as those in areas prone to flooding, subsidence or whose home is left unoccupied for long periods. It can also help those with a chequered financial past — such as bankruptcy or county court judgments. We have little feedback on the company so please tell us about. Online deals have to track properly in order for you to get your e-gift card. A few things can prevent that, so please make sure that you: 1 Don't exit your browser and re-open it while signing up for the deal, as this can stop it tracking correctly. Also, remember it will take around 60 days after your policy start date for your e-gift card to arrive. In the unlikely event that you don't receive your voucher around 60 days after your policy start date, please email and include your policy number and start date. Buy a new combined buildings and contents policy via this MSE Blagged link by 9am on Monday 31 December and get a £40 Amazon voucher. This offer is only available to new customers those who have never had a previous Leisure Guard Home Insurance policy where the voucher will be emailed about 90 days after your policy start date subject to the policy not having been cancelled. We have little feedback on this home insurance policy and company so please tell us about. An online deal such as this has to track properly for you to get your gift card. A few things can prevent that, so make sure you: 1 Disable ad-blocking software or cookie blockers if you don't know what they are, it's unlikely you're using them so it's less of an issue. These can stop the deal tracking, so please temporarily unblock them. In the event that you don't receive the voucher around 90 days after your policy start date, please email and include your policy number and start date. The promises to beat renewals by up to £50 for strictly like-for-like policies eg, excess and amount covered for new customers. Send your renewal documents to claim. It can take 60 days to complete the offer. We've seen these deals before. Sometimes they work, sometimes they don't — there's no guarantee. Yes, the Post Office will do it but can be incredibly picky, meaning it may scrutinise your policies to make sure they're like for like. We've received feedback from users who have found this frustrating, while others say it works. Always double-check the policy terms. Once you've found the cheapest quotes from the screen scrapers, make two important checks. Some comparison sites make a few assumptions to speed up searches. While you're there, it's worth playing with the policy details to see if you can finesse the price down. Look at the excess, and see if any tweaks can cut the cost. Haggling often won't get you the market's best deal. But it can cut the cost if you don't want to switch insurer. Once you've followed the steps above and have the best price, get on the phone and haggle. If your insurer can beat or match your best quote, it saves the hassle of switching policy. If that doesn't work and you're still in the mood, enlist the help of a broker. For more haggling tips, read the full guide and the. Once you know which your cheapest provider is, you need to check you're not missing out on any cashback deals. If your second or third cheapest quotes weren't much more expensive, see if cashback's available for them too, and find the overall winner. It's important to be aware that the cashback is coming from the comparison site, not the insurer, so getting the cashback relies on its ability to pay. Things you need to know before getting cashback... While it shouldn't be a problem, if you've used comparison sites before, there's a minor risk that the cashback may not track due to cookies on your computer — so it's good practice to clear those first read. If you're new to cashback sites, make sure you read the guide for pros and cons before using them. Of course most people just want a quick cheap result. In which case following the first few steps of the guide should do that. However if you're prepared to go all the way, a few people can really bring costs down to ridiculous levels — we've even had some people earn more cashback than their policy costs — effectively meaning they were paid to take out the cover! The current record is held by MoneySaver Saving4Jesus: The record: £67. Saving4Jesus was even able to get paid £18 in 2008 following the same process. This is how Saving4Jesus did it. Using some of the comparison sites, he found a quote for £52. That same insurer was paying a mammoth £120 cashback. Cashback tends to be fixed whether your quote's for £77 or £770, as it's all about insurers' marketing budgets rather than price. For a year's home insurance, he actually made £67. Our 2016 champion, '£23 profit' The battle to be our home insurance champion for 2016 was hotly contested. The first entry was Matt who tweeted: Can you beat it? Have you been able to make a profit buying insurance? Share your success stories. We love to hear when you get cracking deals, should it be about your cashback, haggling or insurance saving success story. Have you used this guide's techniques to save? If so, please tell us in the forum discussion. If you don't have a job you face a potential jump in insurance costs if you declare yourself unemployed. If that's you, say so to avoid a hike in costs. But only enter 'homemaker' if you're genuinely not seeking work, or not receiving benefits which require you to seek work. Read the full MSE News story:. The insurance industry doesn't have the best customer service reputation and while a provider may be good for some, it can be hell for others. Common problems include claims either not being paid out on time or at all, unfair charges, or exclusions being hidden in the small print. If you go through it, it can sometimes result in a payment or benefit to the site. It's worth noting this means the third party used may be named on any credit agreements. Plus the editorial line the things we write is NEVER impacted by these links. We aim to look at all available products. If it isn't possible to get an affiliate link for the top deal, it is still included in exactly the same way, just with a non-paying link. For more details, read. The registered office address of both MoneySupermarket. David's Park, Ewloe, Chester, CH5 3UZ. How this site works We think it's important you understand the strengths and limitations of the site. We're a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.

Registered office: 2 Marylebone Road, London NW1 4DF. There are no claim forms to complete. The Claims handler couldn't have been worse. There's also usually only limited cover for accidental damage see 'Accidents' dropdown below. In the unlikely event that you don't north mands home insurance voucher around 60 days after your policy start date, please email and include your policy number and start date. A number of providers insist these items are specifically named on the policy, regardless of their value. Or if you're away for a long time and a tout bursts, your insurer may not pay out. But if you can't get through, or it won't be able to fix the problem quickly enough, arrange to have the damage fixed yourself by calling a qualified plumber, electrician or builder. Other forms of cover include accidental damage, personal possessions, annual autobus, ID fraud detection and family legal protection. Receipts, credit card bills or bank account statements that show your purchases can also be used as evidence. If such a combo exists, we use the quality rating as a tie-breaker. This is how it works.