Home Insurance FAQs

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Buying a policy

Buying a policy

Will my policy be affected if I go away on holiday? 

Your property is covered even if you are away and the property is empty for a period up to 30 consecutive days.

However if you will be leaving the property for more than 30 days you will need to let us know so that we can re-assess the cover included in your policy.

Note that this may result in an additional premium amount being payable and possibly conditions being placed on your policy, such as the property being checked weekly.

How do I add my mortgage company details to the policy documentation? 

You can add these details by calling our Customer services team, we will be happy to add these details onto the policy for you.

Why choose additional accidental damage cover? 

With additional accidental damage cover you will be covered for incidents like DIY mishaps such as putting your foot through the floor to the room below or hammering a nail into a hidden pipe in the wall by mistake.

Is it a legal requirement for a landlord to have insurance? 

No, it is not a legal requirement for a landlord to have insurance. However, it is advised that you insure your property before letting it to tenants. In some cases, your mortgage lender will insist that you have buildings insurance in place.

Find out more about our landlord insurance options.

Is it a legal requirement to have contents insurance in a rented property? 

No, there is no legal requirement for a tenant to have contents insurance for their belongings in a rented property, although it is recommended. Landlords are not responsible for their tenant's belongings but should insure their own contents if it is a furnished let.

Read our contents insurance for tenants for more information.

Is property insurance mandatory? 

No, having insurance is not mandatory but it is strongly advised to protect your property and cover the costs of repairing or rebuilding the house.

When will I receive my home insurance policy documents? 

You should receive your home insurance documents as soon as the policy is purchased. You will receive this via email within a few minutes of purchasing your policy.

If you haven't received your documents in your Inbox, please check your Spam folder and then add our email address to your email software's Safe list so that you receive our emails directly into your Inbox in the future.

Do I need a burglar alarm? 

When you first take out home insurance with us, we may require that you have a burglar alarm within 30 days. This would be explained in the specific terms of your policy, which you should check before purchasing. In this situation, yes, you do need an intruder alarm. Otherwise, the choice is up to you. A burglar alarm should never be used as a substitute for effective window and door locks.

How do I add a joint policyholder to the policy? 

You can do this by entering the details of the joint policyholder when buying the policy online, there will be a question asking if you would like to add any joint policy holders.

Or you can call our Customer Services team. Before calling please ensure that you have the following details for the additional policyholder: Full name Date of birth Relationship to you Occupation and type of business Details of any bankruptcies, IVAs CCJs Claims history (including liability claims) Unspent criminal convictions.

Who should I include as a joint policyholder? 

Include anyone as a joint policyholder, who has a share in the mortgage on your property, or they own, or have any legal right to any of the property you want to insure under contents or personal possessions.

If there is anyone in this situation you must add them to the policy. This person will be authorised to speak to us and make changes regarding the policy.

Why can't I just buy home insurance for my let property? 

General home insurance isn't adequate as it doesn't cover all third-party risks that can be encountered in a let property, because people other than your immediate family are living in the property.

Find out more about our landlord insurance.

What insurance should I buy for my furnished let property? 

If you furnish your let property you'll need insurance to protect the items you supply against fire and theft. Contents include furniture, household utensils, electrical equipment, soft furnishings such as lampshades, and curtains and blinds. You can choose the level of cover you need as appropriate and you only pay for the amount of cover you choose.

HomeProtect landlord buildings cover includes £7,500 per claim for your contents in let property.

If the contents are worth more than this, you need to add landlord contents insurance to your policy.

This cover is often not very expensive, but it's invaluable to make sure you're not out of pocket in the event you'd need to claim.

Is it compulsory to have buildings insurance? 

No, buildings insurance is not compulsory but it is strongly advised. If you have a mortgage, then having adequate buildings insurance will usually be a condition from your lender.

What does joint policyholder mean? 

Having a joint policyholder means that someone else is named on your policy as well as yourself, the policyholder.

They can only be a joint policyholder if they either have a share in the mortgage on your property, or they own, or have any legal right to any of the property you want to insure under contents or personal possessions.

If there is anyone in this situation you must add them to the policy.

This person will be authorised to speak to us and make changes regarding the policy.

Are there any age limits on buying home insurance? 

You can purchase home insurance from the age of 18.

Do you need insurance if you rent a house?

No, tenants are not required to insure their contents but it is advised. Landlords are responsible for insuring the building.