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Home Insurance
Home Insurance
Self-Build and Renovation
Landlord Insurance
Protect the home that protects you
We know that home insurance means having the reassurance that your property and belongings arefinanciallyprotectedshould the unexpectedoccur,solike everyoneyou probably shop around to get thebestpossibledeal.Fair enough, so do we. In fact, as an insurance broker that is what we do! Our expert team searches the market every day for thousands of customers. Don't waste your time entering the same informationover and over againcomparing your options when our team can do all of that for you.
We negotiate on your behalf with our large panel of insurers from right across the UK and Europe. It is our job to find you the best possible price and cover that meets your needs, giving you complete peace of mind so you can tick insurance off your list and get on with the important things.
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Your Quote
For all other drivers...
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Choose your cover
Buildings
Buildings insurance covers the cost of damage to the structure of your property, as well as fixtures and fittings. A simple way to think about what falls under Buildings or Contents Insurance is to imagine flipping your house upside down - everything that is fixed and doesn’t move generally falls under Buildings Insurance.
Contents
Contents Insurance covers the replacement of your belongings if they have been damaged or stolen. As a general rule, anything that isn’t fixed down needs to be included in your “contents insurance”. This is ideal for people who are renting.
Buildings & Contents
Joining both building and contents Insurance in one comprehensive policy gives you that extra layer of protection should the unexpected occur and it can often work out cheaper.
Tailor your policy
It is important to ensure your cover matches your needs, so our team will put together a policy that's designed around you and your home which can include:
- Working from home cover
- Contents cover away from home
- Home Emergency
- Accidental Damage
- Students contents cover is FREE for those studying away from home
- Replacement of old contents with new ones
- Cover for personal possessions if lost abroad
- Trace and Access
Boost your cover
Home Emergency Cover
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KeyCare
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Legal Protection
Learn more
Gadget Insurance
Learn more
Home Emergency Cover
In your hour of need, we will arrange for an emergency call-out to your home to carry out repairs, up tothe value of£500. For example, if a pipe bursts, we will locate and dispatch a plumber or if your external doors or windows are damaged due to a break in, we will organise for someone to render the property safe and secure.
Benefits include:
- Cover for heating system failure, roof damage, burst pipes, plumbing issues, property damage and loss of keys.
- Overnight accommodation in the event your property becomes uninhabitable, up tothe value of£250.
- 24/7 Emergency Assistance Helpline.
- Up to 4 callouts per year.
*Exclusions and Terms and Conditions apply.
KeyCare
Many home insurance policies already cover an element of Keycare, such as replacing keys broken in your lock but what about when you lose your keys?
Keycare cover means you can avoid the stress and frustration of replacing lost keys and all the hassle that goes with it.
We offer two levels of Keycare cover.
Keycare
Key Features and Benefits:*
- Up to £1,500 annual cover for lost and stolen keys, replacement locks and any call out charges.
- Cover for locksmith charges if keys are locked in your car or home with a cover limit of £1,500.
- Should a key break in a lock, Keycare will pay up to £100 towards locksmiths’ costs.
- Keycare will pay up to £100 for onward transport costs to get you to your home or chosen destination in the event the loss or theft of your keys.
- If your vehicle is left unusable due to the loss or theft of keys, Keycare will pay up to £50 a day for three days vehicle hire.
- Emergency helpline 24 hour, 365 days a year.
- No excess to pay.
- Your No Claims Discount will NOT be affected.
- Keycare will pay the finder of keys a £10 reward.
- We have access to a nationwide network of locksmiths.
- Covers ALL the keys attached to the special fob (for example, car keys, house keys, office or caravan).
- No limit on the number of claims you can make.
Keycare SmartFob
Keycare SmartFob has all the same benefits as above, but includes a Bluetooth LE sensor fob for your keyring that helps to retrieve your keys through the SmartFob smartphone app (note: this is not a GPS tracker).
- Ring your keys by tapping the SmartFob icon on your screen
- Call your phone by holding the button on your SmartFob.
- The app automatically creates and displays a GPS time-stamp when your SmartFob is out of range.
- Key Cover: If your SmartFob is insured through an active cover, the finder of your keys can get a reward
*Exclusions and Terms and Conditions apply.
Legal Protection
Legal Protection meansyou always have immediate access to legally qualified staffviaour 24-hour helpline giving you the advice you need.
Should you wish to make a legal claim, itoffers you and anyone living with you, up to £50,000 per claim for legal costs relating to your homebe that as a result ofpersonal injuryorfaulty workmanship.
Benefits* include:
- Covers you up to £50,000 for any one claim.
- Covers personal injury, property infringement, property damage, faulty goods and workmanship.
- Covers you and any member of your family permanently living with you.
- Covers loss of salary or wages for the time off work to attend any court or tribunal hearing when pursuing or defending legal proceedings.
- Covers employment disputes and costs to pursue legal action.
*Exclusions and Terms and Conditions apply.
Gadget Insurance
Gadget Insurance £54
Gadget insurance covers the cost of repairing or replacing your favourite everyday gadgets if they are lost, stolen or damaged.
Mobile phones including iPhones, tablets including iPads, GoPros, cameras, smartwatches, game consoles and laptops are all covered under this policy add on.
Key benefits include*:
- Your No Claims Discount will NOT be affected.
- Cover provided for up to 2 claims per year.
- Up to £1500 annual cover.
- Full liquid damage cover.
- Accidental damage cover.
- Accidental loss cover.
- Cover for theft.
- Gadgets covered for use by policyholder’s immediate family members.
- Unauthorised call protection if gadget is used fraudulently.
- £150 accessory cover.
- Worldwide cover included.
*Exclusions and Terms and Conditions apply.
Handy details to have for a home insurance quote
- Details of your property
- Personal details
- Previous claims history
- Security of your home
- Rebuild cost of your home
- Contents value
Popular queries
1. If I move, do I need a new policy?
2. What does Trace and Access mean?
3. What are the key points to consider when making a home insurance claim?
1. If I move, do I need a new policy?
If you have buildings and contents insurance, you will be able to transfer the cover to your new home. However as insurance premiums are based on where you live and what type of house you have, we will have to recalculate your new premium. Therefore, it is imperative to get in contact with us.
2. What does Trace and Access mean?
If you have a leak, finding the source of it can be very difficult, disruptive and expensive. If you have “Trace and Access” included within your home insurance policy we will send someone out to investigate, covering the cost of finding exactly where the leak is.
3. What are the key points to consider when making a home insurance claim?
- If you’re burgled, call the police for a crime reference number.
- Next, ring your insurer to submit a claim.
- Take photos as evidence.
- If repairs aren’t urgent, make sure your insurer agrees to any work before getting it done
Here to keep you right
Whether you are a new customer or you are renewing your home insurance with us again this year, our expert team personally search our vast insurance panel to find you the best deal that meets your individual needs, making sure you have the right cover in place at a price that works for you.
You don’t need to be an insurance expert, we will always keep you right when it comes to the details of your policy, explaining all the insurance jargon and additional benefits to boost your cover giving you the added level of protection that you need.
Supporting you when you need it most
If the worst happens and you need to make a claim, you are in safe hands as our dedicated claims team is based right here in Northern Ireland. We know it can be apretty scarytime and sometimescan seemcomplex too, but we will be at your side to help guide you every step of the way.We offer you:
Dedicated Customer Support
Our local NI based team will guide you through the process step by step.
24Hr Claims Helpline
If an incident occurs in the middle of the night you can contact us 028 3090 9090.
Temporary Accommodation
If the unexpected happens, most insurers will cover you for temporary accommodation if your home is uninhabitable.
