Home insurance with a claims history FAQs

All your questions about previous claims home insurance, answered online
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How is my insurance premium calculated?

How long does it take for a claim to be settled?

What makes HomeProtect different?


How is my insurance premium calculated?

Premiums for insurance policies are based on the risk presented and assessing the probability of that risk materialising.

Underwriters use all available tools and data to assist with this complex assessment to arrive at a premium.

The tools used for this risk assessment include government and industry statistics, claims and underwriting experience.

The process of ‘accumulation’ is also utilised by underwriters in the risk assessment. This means that one insurance provider will limit the number of properties it will insure within the same area.

How long does it take for a claim to be settled?

As soon as we have checked that your claim is covered by your policy, we will get the process moving. Straightforward claims are normally settled very quickly, and in all cases the Claims team will keep you informed of progress.

Some larger value claims e.g. in the event of an extensive house fire, can take months for the damage to be fully repaired or the property rebuilt and your family moved back into the property.

What makes HomeProtect different?

We make it easy for you to get an online quote, even if you have complex arrangements such as previous subsidence, taking in a lodger or someone in the property has a criminal conviction.



Satisfied customers

Excellent, overall service from start to finish. Very satisfied and would recommend to others. Trustpilot, 24 August 2017
Very pleased to have transferred from previous company - much better premium rate, prompt service. Trustpilot, 29 July 2017
I was able to select the best cover with the specifics I needed and got a good price. I would definitely recommend it to family and friends. Happy with the service and the fact that all my documents are available online whenever I require them. Review Centre, 8 May 2017