insurance faq's

What does Home Contents Insurance cover?

Home contents insurance in the UK is designed to cover almost everything that you own, and would take with you if you were to move.

What happens if I take my possessions outside the UK?

These are unlikely to be covered by your home insurance policy.

What is Buildings Insurance?

Buildings insurance aims to cover damage of loss to the actual structure and fittings of your home.

How are premiums calculated?

Your premiums will be calculated based on the answers to certain questions. Answer these questions accurately, or you will find your claims hindered, and maybe your policy annulled.

How much life insurance should you own?

It is usually suggested that it should be equal to 6 to 8 times your annual earnings. However, there are other things to consider when determining how much life insurance you need.

What will I get from my home insurance policy as standard?

You should always check the full details of your policy, as each one is slightly different. It will depend on how much the policy costs and what you get for free. Each insurance company has a different level of automatic starting cover.

Are my personal possessions covered when I take them out of my house?

Most insurance companies offer you extra cover to protect your personal belongings outside the house. However, there will be a number of restrictions for this.

If I bought something second hand how much will the insurance company pay out if it is destroyed or stolen?

This will depend on the type of policy you have.

Will my bike be covered under my household contents insurance policy?

This depends on your policy. You should always check the details of your policy - never assume that items such as bikes will be insured.

How do I make a claim?

To make a claim under your insurance policy, please contact your insurer directly. Their number will be in your policy documents.

How do I find the best insurance?

It might seem obvious, but the best way to get a good insurance quote is to shop around. Get as many quotes as you can and compare the prices - you'll find that there is quite a variation in the quotes you'll get



If you do have any questions, please drop us a line to faq@cheapest-insurance-quotes.co.uk