IVA Insurance FAQs

All your questions about IVA home insurance, answered online
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IVA Insurance FAQs

Will it affect my policy if I claim?

Who underwrites HomeProtect insurance policies?

What does the optional “Full Legal Expenses” cover?

 

Will it affect my policy if I claim?

In most cases, it shouldn't make an immediate difference to your policy.

However, at the time of renewing the policy the terms of cover may alter (for example: the standard excesses may increase) and/or increase the premium. This premium increase may be due to the value or number of claims that have been made in the previous policy year.

It's also worth knowing that if you make a claim then you will lose the No Claims Discount that you may have been benefitting from in previous years.

If you have a break-in, we'll offer suggestions on home security and may ask you to carry out security improvements, such as burglar alarms and window locks, before your next renewal.

Who underwrites HomeProtect insurance policies?

Your policy will be underwritten by one of two reputable insurance companies: AXA Insurance or Ageas.

What does the optional “Full Legal Expenses” cover?

The Full Legal Expenses cover offers you up to £100,000 and provides full peace of mind against a variety of circumstances including:

  • Disputes relating to ownership of the insured property.
  • Disputes relating to the sale or purchase of the insured property.
  • Disputes relating to the purchase or hire of goods or services.
  • Cases involving personal injury.
  • Employer disputes including unfair dismissal.

Please refer to the policy booklets for full information. These are available to download and view online: www.homeprotect.co.uk/policy