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Note that some portable items, like mobile phones and laptops, are only covered if they are lost or damaged inside your home by an insured event. See all home and contents insurance FAQs. Terms and conditions apply. Visit www. Subject to underwriting terms and conditions, please see PDS for details.

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Online insurance discounts. Existing Customers. Policy Manager. Vehicle Assessment Centres. Make a Complaint. Household appliance insurance covers white goods like cookers, fridges and washing machines, and some electronics. Managed to insure my property for half the cost of my present insurer's renewal price. Simple to use. Comparable offers enabled me to make decision on placement of home and contents insurance and made saving over existing provider.

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Frozen and burst pipes are a major source of home insurance claims, but cover varies enormously from policy to policy. You should also check if you have trace and access cover on your home insurance, as this can be invaluable if you need to find and repair a leaking pipe. If you think you've already bought home insurance, but can't track down the details of the insurer, check your bank account statements and emails for evidence of the purchase. Here are the four stages on making a claim on your home insurance : If you're burgled, first call the police for a crime reference number.

Next, ring your insurer's hotline to submit a claim. Collect receipts and take photos as evidence of your claim. If repairs aren't urgent, make sure your insurer agrees to any work beforehand. If your home is at high risk of flooding, it's worth looking into flood insurance.

When you get a quote, you'll be asked if your property is unoccupied for more than 30 days. If so, whether it's for days, or more than 45 days. If you can't find the right insurance, or you need cover for an extended period of time, look into unoccupied property insurance instead. You won't necessarily have to tell your insurer or take out additional cover for occasional home working.

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An excess is how much you have to pay if you make a claim on your home insurance. You might have different excess amounts for different parts of your policy - for example, an additional excess for burst pipe claims is common. Voluntary excess is the amount you agree to pay towards a claim on top of the excess set by your insurer. Usually, the higher your voluntary excess, the less your quotes will be.

Just make sure you can afford to pay it if you did need to make a claim though. The survey was conducted among 2, respondents on 14 December Home Insurance Home insurance. Compare home insurance quotes with us. What's home insurance? Do I need home insurance? How much is home insurance?