Home Insurance - Our assumptions

Guide to the assumptions we make before giving you a quote

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

Your property

  1. Is in a good state of repair, and will be kept in good repair at all times.
  2. Is secure, with locks fitted to all external doors (additional security requirements may also apply).
  3. Is less than 125 years old.
  4. Will not be left unoccupied for more than 60 days in a row.
  5. Is your main home, occupied solely by you and/or your family.
  6. Is not used in any way for business purposes (including any domestic outbuildings).
  7. At least 75% of it consists of standard building materials, such as brick, stone or concrete with a slate or tiled roof.
  8. Is not located in an area particularly prone to damage by storm, flood, subsidence, heave or landslip.
  9. Is not a Holiday Home or a rented property.
  10. Is not a listed building, a period house or does not have a preservation order on it.
  11. Does not have ornate ceilings or plasterwork, antique fireplaces or any other unique features.

Your property’s insurance history

We assume that:

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

Your insurance history

We assume that you, and any member of your household:

  1. Have never had insurance declined or stopped, or had any special terms or conditions imposed.
  2. Have never been declared bankrupt or been convicted or charged with an offence of any nature or have any conviction or prosecution pending.
  3. Have never had a flood, subsidence, heave or landslip claim or loss.
  4. 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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