Our Assumptions

In offering you an online home insurance quote, we assume the following to be true:

Your property

  • Is in a good state of repair, and will be kept in good repair at all times.
  • Is secure, with locks fitted to all external doors (additional security requirements may also apply).
  • Is less than 100 years old.
  • Will not be left unoccupied for more than 60 days in a row.
  • Is your main home, occupied solely by you and/or your family.
  • Is not used in any way for business purposes (including any domestic outbuildings).
  • At least 75% of it consists of standard building materials, such as brick, stone or concrete with a slate or tiled roof.
  • Is not located in an area particularly prone to damage by storm, flood, subsidence, heave or landslip.
  • Is not a Holiday Home or a rented property.
  • Is not a listed building, a period house or does not have a preservation order on it.
  • Does not have ornate ceilings or plasterwork, antique fireplaces or any other unique features.

Your property’s insurance history

We assume that:

  • No insurer has declined or stopped insurance on your property.
  • No insurer has imposed any special terms or conditions on your property.
  • Your property will be insured for an amount equal to the rebuilding cost.

Your insurance history

We assume you, and anyone else involved in this policy:

  • Have never had insurance declined or stopped, or had any special terms or conditions imposed.
  • Have never been declared bankrupt or been convicted or charged with an offence of any nature or have any conviction or prosecution pending.
  • Have never had a flood, subsidence, heave or landslip claim or loss.
  • Have not made any other claims or incurred any losses(excluding flood, subsidence, heave and landslip) in the last 3 years, whether you were insured or not.

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