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Initial Details

Please login here or click here to register.
Please ensure the selected completion date is after the exchange date
The selected completion date and the exchange date are more than 90 days apart
please enter correct policy number starting with VR, HH, VPC & BF.
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We currently don't cover the selected postcode
As this property is not your main/sole residence we cannot provide cover on this scheme. For property that is tenanted, unoccupied or used as a holiday or second home, please quote under the appropriate scheme on the website
(Fire, Lightning, Earthquake, Explosion, Subsidence and Liability Only)
Please provide details of the works being undertaken where we ask about building works in the Additional Details section of the quote.

Policyholder Details

Is the policyholder an individual or a company/organisation

Unfortunately we are unable to accept cover on this policy.
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Main policyholder details:


We are not able to provide cover due to proposers age
We currently don't cover the specified occupation
/
Unfortunately we are unable to accept cover on this policy.
Add another Policyholder Remove this Policyholder

Property Details

We're sorry but we currently don't cover this risk.

Please include rooms that were originally built as a bedroom and those that have been converted for another use, eg a study/office or dressing room. Please also include any bedrooms in an annex or other additional accommodation at the premises.
(if no patio doors please select 'no patio doors' from the dropdown box)
We define the home as the private residential premises. You do not need to declare the construction of outbuildings here, whether detached or attached to the main home.
We currently don't cover the specified wall construction type
We define the home as the private residential premises. You do not need to declare the construction of outbuildings here, whether detached or attached to the main home.
We currently don't cover the specified roof construction type
We're sorry but we currently don't cover this risk.
We currently don't cover the specified property type
Please select a lower number of garages that that are used by the policyholder
We're sorry but we currently don't cover this risk.

Additional Details

We're sorry but we currently don't cover this risk.
Please ensure the selected end date is after the start date
%
We're sorry but we currently don't cover this risk.
£
£
We're sorry but we currently don't cover this risk.
£
We're sorry but we currently don't cover this risk.
The number of bedrooms used for B&B purposes should be less than the number of declared bedrooms at the home under the Property Details section
We're sorry but we currently don't cover this risk.
We're sorry but we currently don't cover this risk.
We're sorry but we currently don't cover this risk.

Annex Number 1 details:


Add another annex Remove this annex

(You do not need to answer yes to this question if the home is used as a Bed & Breakfast, for Child Minding or has an annex or separate building that is tenanted or used as a holiday let)

Business Number 1 details:


We're sorry but we currently don't cover this risk.
Office equipment is covered within the home for up to £5,000, or 20% of the sum insured for contents, whichever is less, provided it is included in the amount of contents cover requested, and is defined as: computers and home office equipment belonging to you and used in conjunction with your business at the home. You will only need to add amounts in addition to this limit in this section.
£
Add another business Remove this business
(You do not need to declare employees that are also members of your family who permanently live at the premises)
We're sorry but we currently don't cover this risk.

Incident Number 1 details:


£
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Subsidence Incident Number 1 details:


£
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Cover Required

We currently don't cover contents for this risk
£
£
£
min. £50,000
£
Full cost of reconstruction in present form, this amount must also include all outbuildings, garages, domestic oil and gas pipes, domestic fuel tanks, swimming pools, tennis courts, drives, patios, terraces, walls, gates, fences and solar panels.
(Garages at and within the boundaries of the home should be included in the building sum insured, only garages that are not at or within the boundaries of the home should be entered here)
£
£
Total Sum Insured for Buildings: £0.00
£
min. £15,000
This amount must represent the full cost of replacing all the contents at the home as new.
£
You can also request additional contents cover above the standard £100,000 here by simply requesting "Additional General Contents" and entering the sum over £100,000 required.

High Valued Item Number 1 details:


£
Add another high valued item Remove this high valued item

Collection Number 1 details:


£
Add another collection Remove this collection
£

Item Number 1 details:


£
Add another item Remove this item
£
Total Sum Insured for Contents: £0.00
£
Any amount over the following limits must be specified,

  • £2,500 any one Item, Pair or Set
  • £1,500 any one or set of Hearing Aids
  • £750 any one Pedal Cycle
  • £750 any one Mobile Phone

All amounts below these limits will be included in the amount you wish to insure.

If not already supplied we will need a full description or full make and model of the specified Valuables and Personal Possessions items within 30 days of proceeding with cover.

Specified Valuable and Personal Possession Number 1 details:


We only cover eBikes that meet the legal requirements for UK roads: a maximum speed of 15.5mph/25kmh, a maximum power output of 250W, and it must have pedals. If the eBike does not meet these requirements it would be excluded from cover by the policy wording.
£
Add another specified valuable and personal possession Remove this specified valuable and personal possession
Specified Unspecified
If you also wish to cover any of the following please check the appropriate box


(please list each item to be covered separately)

Item In Bank Number 1 details:


£
Add another item in bank Remove this item in bank


(please list each item to be covered separately)

Quad Bike Number 1 details:


£
Add another quad Remove this quad

General Questions

Claim Number 1 details:


£
£
£
Add another claim Remove this claim
(basic motoring offences and convictions considered spent under the Rehabilitation of Offenders Act need not be disclosed, please click the information icon for details of when convictions are considered spent)

Conviction Number 1 details:


We're sorry but we currently don't cover this risk.
£
Add another conviction Remove this conviction

CCJ/IVA Number 1 details:


£
Add another CCJ/IVA Remove this CCJ/IVA

Bankruptcy Number 1 details:


£
Add another bankruptcy Remove this bankruptcy
£

Please only add information into this box if you have relevant rating messages, as when something is noted in this box it will automatically need reviewing.

Terms and Conditions

Contact Preferences

We’d like to tell you about our products or services that may interest you. Please tick if you would like to hear about these products and services by:





We or our group companies may also send you details of the products and services of our group companies.

Please tick if you would like to hear about these:

You can opt out of marketing communications at any time by contacting us.


Important Notice

The information you have provided in this submission contains statements upon which we will rely when deciding whether to accept this insurance and the terms on which it may be offered, including the amount of premium payable.


It is very important that the information is complete and accurate. If you are in any doubt at all regarding any of the answers given, you should ask us or your insurance broker.


If any of the information provided by you changes after you purchase your policy or during the period of your policy you must immediately provide us with details of the changes.


We act on a ‘non-advised’ basis which means that we will offer you information about the significant features, benefits, limitations and exclusions of a particular insurance policy(ies), but it is for you to decide by assessing the features, benefits and conditions which of these best suits your requirements. When acting on a ‘non-advised’ basis, we act as Agent of the Insurer (that is to say, we represent the insurer).


This insurance policy is underwritten by a consortium of the following insurers, led by HCC International Insurance Company plc (HCCII) trading as Tokio Marine HCC. This company is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Declaration

To the best of my/our knowledge and belief all statements and information provided in connection with this insurance, either orally, electronically or in writing, are true. I/we understand that non-disclosure or misrepresentation of any of the answers given may entitle underwriters to:-

  • cancel my/our policy and refuse to pay any claim, or
  • not pay any claim in full, or
  • revise the premium and/or change any excess, or
  • revise the extent of cover or terms of the insurance.
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