House
Insurance
House insurance quotes are provided by Direct Choice
The house insurance section of our
website deals with those insurance policies that might best be
described as house related. As we are brokers then as well as cheap house insurance to cover
your buildings and contents, we are able to provide the following
extra covers.
The house insurance policy
This section (click the link above) cover details of a
standard house insurance policy, terms, conditions, exclusions that
may apply. It doe
Extended Warranty
Provides an extended warranty for your
electrical goods such as TVs - similar to the extended warranties offered by
electrical goods suppliers except that you can buy the policy from us. We now can cover 5
appliances for only £9.99 a month and can extend this to cover some plasma televisions as
well for an additional £1.05 a month.
Student personal possessions cover.
This personal possessions insurance
policy is not only for students but can cover possessions of other
people in shared accommodation, bed sits and sheltered accommodation.
A simple rating structure provides competitive rates. Students should
check as a matter of course if their parents policy covers or can
cover their possessions away at university as the cover is often
better than a specific personal possessions policy.
Forces Kit Insurance
Our forces kit insurance is Suitable for the
demands and needs of people in the armed forces - the policy
can cover not only your kit but also contents and
belongings if you live on MOD premises.
Home Emergency Cover
Home emergency cover is designed to
protect you should you need emergency assistance. The policy can
protect you against costs arising as a result of leaking pipes, broken doors and windows
and also breakdown of the boiler in the winter. You can buy it for your own house
or if you insure it with us for a buy to let property as well.
Buy to let Insurance
If the home you want to insure is not
lived in by yourself you need landlord insurance. Our landlord
insurance policies can cover property let to professionals, DSS lets,
asylum seekers and students. We also quote for vacant or unoccupied
property as well. For a buy to let insurance quote click here.
Holiday Homes Overseas - and in UK
As part of our landlord insurance
system we can quote for holiday homes both in the UK and overseas. Our
overseas holiday home insurance caters for homes in France, Spain,
Portugal, Eire, Ireland and Cyprus and in most cases will cover
holiday homes used for your own and friends and those let out
commercially.
A note of caution
Please note that you normally must
insure your property for the cost of rebuilding in full, including
architects fees and debris removal. You should also, unless stated,
insure your contents for the cost of replacing with new goods rather
than the market value. Failure to insure for the correct amounts could
result in a claim payment being significantly reduced, leaving you out
of pocket.
You should also be aware of your duty
to disclose all material facts to your insurance company when applying for any contract of
insurance, at renewal of your insurance policy or when they change. Material facts vary with
each insurance contract but you should always declare any criminal convictions,
previous claims and if the property is not of standard construction
(brick/ stone and slate/tile roof). If you are in doubt if a fact is
material for any insurance contract it should be declared to the
insurance company as failure to declare a material fact to the
insurance company can result in the insurance company not protecting you in the event of a claim.
Having read the above please feel free
to view further details of our house insurance related policies.
To
our house insurance policy selection page
If one of these house insurance
products is not require then please try here:
Landlords
insurance - for buy to let and vacant property
|
