home insurance policy quote

Best instant online UK house home building & buildings contents insurance quote
This web site is here to assist UK residents in your search for the best home insurance quote.
This page is for an home insurance policy quote , home insurance policy quote

 

"Where can I get a cheap home insurance policy quote ?"

Some policy details of the biggest brands for UK building insurance ...

  1. Endsleigh Home Insurance details - get a quote - or phone - 0800 028 3571
    Endsleigh offer very competitive home insurance from which you can choose Buildings policy only, contents policy only or buildings and contents.
  2. Norwich Union Home Insurance details - get a quote - or phone - 0800 092 9561

  3. Norwich Union is the country's largest insurer. Choosing your policy online will give you an extra 10% discount
  4. Direct Line Home Insurance details - get a quote - or phone - 0870 901 1122
    Direct Line offer a 5 % discount for taking out a policy online and a further 25% discount if you also have a motor policy with them.

Updated March 2004
For an up to date comparison, visit HappyHomeInsurance.com.


happyhomeinsurance.com is a website to help you find an home insurance policy quote .

Top ten tips when taking out home insurance policy quote

  1. Firstly, go with someone you trust – you will be taking unnecessary risks if you buy home insurance from a company this is not reputable and established. You need someone with a solid history with proper industry accreditation.
  2. No matter how good the website is, make sure the company has a call centre and sales staff. Your policies will not be properly processed unless the site is set up with the necessary technical know-how.
  3. Can they support you immediately? – when you on a website trying to fill in a long home insurance quote form and you want to ask a question about the form or check that the insurance policy you have chosen is right for you, you may not want to wait for an email answer. There needs to be someone you can talk to right away.
  4. Read the content on the site properly. Do they have a broad product range. Is their site a dump of policy mumbo jumbo or is it fully functional and easy to use. You want the cheapest home insurance quotes and the minimum of sites.
  5. Make sure you can pay online. Paying online is important, you can do it 24 hours a day, and get instant cover when you want to.
  6. Look for security encryption. This makes a site secure for e-commerce transactions. They could be marked with a proof of security but don’t take it for granted.
  7. Have all your details ready and answer as many questions as possible. The more questions you answer the more appropriate for you your deal can be. A little time filling in the form could save a large amount off your quote.
  8. Using the web makes it easy for you to shop around for a good deal. Try brokers, who aren’t just tied to one provider. The large amounts of money spent on marketing and advertising by the large firms doesn’t mean you’ll get the best deal.
  9. Look out for money back guarantees. E.g. “If you find a cheaper deal elsewhere, we’ll refund the difference”. This can assure you that you’re not being stung.
  10. Look out for good promotions, like “one month’s insurance free if you pay monthly by direct debit”. These can give good value.

If you are looking for a contents insurance , at happyhomeinsurance.com your sure to find most of the sites you would probably want to visit for a cheaper sites for a contents insurance .

If you have a mortgage then your lender will usually insist that your property is covered by full buildings insurance. This is to protect themselves, as if your house were completely destroyed they would need to know that you had the means to finance its repair. Also, a homeless borrower will hardly inspire confidence in a company expecting regular mortgage repayments.


Up to a certain amount (usually £50,000), your policy will cover your possessions, either stated by you, or categorised by the insurance company. The insurance policy might ask you to submit a contents list, with individual items over a certain value specifically priced. This varies with different insurance companies. There are two main types of cover:Old-for-New - Items are replaced at their current market value and Indemnity Cover - The Insurance company will take into account general depreciation. Old-for-New is the better option, so don't forget to check which type of cover the Insurance company is offering.

If the value of your contents exceeds £50,000 you may have problems finding an insurer! We recommend you try Direct Choice or Quoteline

Again, you can add accidental damage to your contents policy an example of which would be the dog knocking the TV off the table. This may be included as standard on some policies.
When the two are purchased together, you get one policy called buildings and contents insurance (unsurprisingly). You will often be given a discount if you take out both buildings and contents insurance with the same insurer.

If you are studying away from home (e.g. at college/university), sometimes your parents home insurance covers your possessions. But you can also take out a student possessions policy with Endsleigh

Other options You may be able to choose:

freezer contents
Usually up to £300 or £500

Personal possessions
Usually this means possessions outside the home, such as credit cards and cash. This is nearly always an extra option

legal cover. This generally will cover legal disputes that relate to you personally, such as residence and boundary disputes and personal injury (including medical negligence). This is generally a cheap extra (around £12), a few insurers provide it as standard.




Ad: Compare UK home insurance quotes with this Best Home Insurance UK Company Comparison, or try Happy Home Insurance.com

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    Not found it? Here's some other relevant sites:

  • For a cheap home insurance try HappyHomeInsurance.com
  • For the cheapest building insurance try Building INS PLUS
  • For a cheap landlord insurance try Squire Sure
  • For the best flood insurance try Flood INS
  • For the most affordable home insurance try LONDON Home Insurance
  • For the cheapset home contents insurance try Contents Insurance Plus
  • For the best insurance possession student try CoverMyStuff UK
  • For a cheap home insurance quote try Home Insurance for Britain

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