Home Insurance
0800 731 3901
Home Insurance is administered by Ageas Retail Limited

Please correct the highlighted errors

Your quote will be valid for up to 60 days, however, any changes to your quote (including the policy start date) may affect the price.

Please ensure you take reasonable care to supply accurate and complete answers. If you do not, the policy, if purchased, may not meet your needs, and may result in a claim being rejected or your policy being cancelled.

You can also buy additional products that are not standard within the Home Insurance policy. These include Home Emergency and Household Legal Protection.

More information is provided about these later in the quote. For full details of the cover, terms, conditions and exclusions, please see the Policy Wording(s). These can be found at the bottom of this page.

Useful Information

It might be helpful to have the following details to hand:

  • The Construction Materials used to Build your Property and the Year in which the Property was Built.
  • The total rebuild cost of your property if insuring the buildings; and/or the total value of the items within your home if insuring the contents.
  • Any details of any single item(s) worth over £2,000, as these will need to be specified (if contents are to be insured).

For help at any time, please click on the buttons.

If you have any queries and wish to speak to an Age UK Contact Centre Advisor, please call 0800 731 3901 for further assistance. Lines are open from 8:00am to 8:00pm Monday to Friday, and 9:00am to 5:00pm Saturday.

Cover Start Date

?

Policy Start Date

Please choose or enter the date on which you would like your policy to start. It can be today’s date or any other date within the next 60 days, and you can change it later if necessary.

If you already have a policy, the start date should be the date that it expires. If you are looking to get an indication of a price, you can choose any date, dependant that it is within the next 60 days. Please be aware that this quote will not be valid until you are able to quote again, using the correct start date.

Insured Address

?

Postcode

Please enter the postcode of the address to be insured followed by either the number or name of your property and click on Find My Address. Should the Address that is displayed be incorrect you have the option to type in the necessary details.

Your Property Details

Is your property in a good state of repair and well maintained?
Is the property a work in progress?
Has your property been affected by subsidence, heave or landslip and has not been previously monitored for subsidence, heave or landslip within the last 25 years?
Has your property, or the surrounding area within 200 metres/218 yards of your property, ever been affected by flooding or has previously flooded?
?

Flat Roof Percentage

This should include porches, bay windows, and any other flat roof structure that is attached to your property (e.g. a garage). If your property is a flat or an apartment, the roof percentage should be entered as ‘0’, unless your home occupies the top floor.

As an example, if a quarter of the total roof structure is flat, please enter ‘25’ in the space provided, if the whole total roof structure is flat, please enter ‘100’ in the space provided.
?

Construction Date

Please enter this as accurately as possible.
?

Bedrooms

As a rule of thumb this should be the number of bedrooms the property would be advertised as having if it was to be sold. Rooms that would be advertised as being able to be used as either a bedroom or something else (e.g. Study) should be counted as bedrooms.

Is this your permanent home and is it occupied solely by you and your family?
?

Permanant Home

Family is defined as any person who normally lives with you but not lodgers, any other paying guests or domestic employees.
Do you let the property out to tenants?
Is the tenancy agreement in place for more than 6 months?
Is the property to be insured furnished?
Is the property used for business purposes?
Is this business use for clerical work only?

Security

Is the property fitted with five-lever mortice deadlocks on all external doors, and key-operated window locks on all ground-level windows and accessible upper floor windows?
?

Door and Window Locks

Acceptable security devices for minimum security requirements are as follows:

1. Final exit door

A 5 lever mortise deadlock conforming to BS3621, or an equivalent alternative lock approved in advance by us. (If the door is less than 44mm (1.75”) thick, a mortise deadlock is not suitable protection. Refer to us for alternative devices.) Rim automatic deadlocks (such as the Ingersoll SC71) are amongst approved alternative locks.

2. Other external doors

(except sliding doors and double leaf doors). A 5 lever mortise deadlock conforming to BS3621. Key operated security bolts top and bottom, in addition to any other lock. N.B. Where a 5 lever mortise deadlock is specified for doors, an acceptable alternative is a multipoint locking system with a minimum of three locking points.

3. Sliding doors

a) the manufacturer's lock plus one key operated patio door lock or key operated bolt at the bottom of the door (and at the top if practical to do so). b) anti-lift devices, and a hook bolt lock conforming to BS3621. c) a multipoint locking system with a minimum of three locking points. PVC-U doors MUST be fitted with a multipoint locking system with a minimum of three locking points.

4. Double leaf French doors

Two key operated security bolts on each leaf, operating vertically and shooting into the head and sill of the door frame, in addition to any existing lock.

5. All ground floor windows

and other windows accessible without a ladder with dimensions exceeding 9 inches by 9 inches (including fanlights, transoms, pantry windows and the like) should be fitted with key operated window locks or key operated locking handles.

6. Garages and domestic outbuildings

Doors should be secured by a key operated lock or locking system.

?

Burglar Alarm

Ageas do not recognise all types of alarms, but only specific ones where they have been professionally installed by a company belonging to a recognised governing body so they know the alarm has been installed to a minimum acceptable level. Typical examples are NACOSS, SSAIB or NSI alarms, fitted and maintained under contract.

Please call Ageas on 0345 606 5075 for further details.

Buildings Cover

£.00
?

Rebuild Cost

The maximum amount the policy will pay in the event of a claim will be £500,000 and this should be sufficient to rebuild the property including site demolition and clearance costs.

There will be instances where you should use the current full rebuild cost of the property e.g.

  • Listed building
  • Non-standard construction
  • More than 5 bedrooms
  • Mobile home (a static caravan or park home which is used as your main residence)

If your property type is not one of those listed above, please enter 500000 in the space provided, as this is the standard level of cover offered.

Do you want to buy enhanced accidental damage cover? <br /> Please see help text for more information
?

Accidental Damage

The policy automatically provides cover for accidental damage to items such as underground pipes, fixed glass, sanitary fixtures and fittings. For an additional premium you can cover the buildings for other forms of accidental damage such as damaging a work surface with a hot pan, falling and damaging the stair banisters.

The Policy does not cover wet or dry rot or wear and tear.

Full details can be found by clicking the Policy Wording link.

Previous Buildings Insurance

Have you held buildings insurance within the last 2 years?

Interested Party

Do you need to add a person or an organisation as an interested party?
?

Person or Organisation

An interested party is either an individual or organisation that has an interest in the property. e.g. Building Society.

If an interested party is required, please answer the following questions. Otherwise please skip to the next section.

Is the interested party an organisation?

If the interested party is an organisation:


If the interested party is a person:


Address of the interested party

?

Postcode

Please enter your Home Post Code and click on Find My Address.

Contents Cover

£.00
?

Contents Sum Insured

For most policies the policy will provide contents cover of £60,000. If this is sufficient, please enter 60000 in the space provided, as this is the standard level of cover offered.

This is the maximum amount the policy will pay in the event of a claim and should be sufficient to replace all of the contents as new at today's prices. New for old cover is offered as standard.

If a higher contents amount is needed then this can be overridden to a maximum amount of £100,000.

Do you want to increase the level of valuables in the home?
?

Increase Valuables Cover

For contents cover requested at £60,000, cover can be upgraded to:

Number of bedrooms;Standard offering;Can be increased to;
1 £6,000£9,000
2£8,000£12,000
3£10,000£15,000
4£12,000£18,750
5£15,000£22,500

Valuables are defined as jewellery, precious stones, articles made from gold, silver and other precious metals, clocks, watches, furs, photographic equipment, binoculars, telescopes, musical instruments, collectors’ items, pictures and other works of art, rare and unusual figurines and ornaments, guns, collections of stamps, coins or medals, antiques and antique furniture. We treat pairs or sets of items as one item. If you would like cover for specific items, please go to the Specified Items section.
Do you want to buy enhanced accidental damage cover? <br /> Please see help text for more information
?

Accidental Damage Cover

The policy automatically provides cover for accidental damage to items such as underground pipes, fixed glass, sanitary fixtures and fittings. For an additional premium you can cover the contents for other forms of accidental damage such as damaging a laptop with a drink and falling and knocking items over.

The Policy does not cover wet or dry rot or wear and tear.

Full details can be found by clicking the Policy Wording link.

Previous Contents Insurance

Have you held Contents Insurance within the last 2 years?

Specified Items (In Your Home)

SpecificItemsInHome
?

Specified Items in Home

Any individual valuable item in the home which exceeds £2000 in value will need to be specified. The contents section can provide cover for any individual specified valuable worth up to £10,000 inside your home for the listed contents perils. The amount insured must be the up to date replacement cost of the item. For items valued at £2500 or above proof of ownership and recent proof of value will be required in the event of a claim. The total amount of all valuable items kept in the home must not exceed the maximum limit applicable to the number of bedrooms in the property.

Valuables are defined as - Jewellery, precious stones, articles made from gold, silver and other precious metals, clocks, watches, furs, photographic equipment, binoculars, telescopes, musical instruments, collectors' items, pictures and other works of art, rare and unusual figurines and ornaments, antiques and antique furniture, guns, collections of stamps, coins or medals. We treat pairs or sets of items as one item.

Items, pairs and/or sets of valuables that you also want covered away from home should be entered in the Specified Items outside the Home section only.

You have not added any specified items covered within your home Add an item

Personal Belongings Away From Home

Would you like to buy cover for any personal belongings? It provides cover for loss of/or damage anywhere in the world (including inside the home) to specified personal belongings and valuables, up to your chosen value.
?

Personal Belongings Away from Home

This cover is available as an optional extension of the policy for an additional premium. It provides cover for loss of/or damage anywhere in the world (including inside the home) to specified personal belongings and valuables, up to your chosen value.

Specified Items (In And Away From Your Home)

SpecificItemsAwayFromHome
?

Specified Items in and Away from Home

This cover is available as an optional extension of the policy for an additional premium. It provides cover for loss of/or damage anywhere in the world (including inside the home) to specified personal belongings and valuables.

If Unspecified Personal Possessions of £2000 or more has been selected then any item that exceeds £2000 in value needs to be specified. If the lower amount of £1000 has been selected then any item that exceeds £1000 in value needs to be specified. It is also possible to specify items worth less than this if needed.

The amount insured must be the up to date replacement cost of the item. Claims in respect of items valued more than £2,500 need to be supported by a valuation or receipt that is not more than 2 years old and proof of ownership. A professional valuation would not normally apply to non valuable items such as sporting equipment. For such articles the Insured will need to provide either a purchase receipt or confirmation of value from a supplier.

Pavement Vehicles are defined as - Electronically powered wheelchairs or scooters that do not require a licence for road use under the Road Traffic Act and which can not exceed more than 8 miles an hour.

For Pedal Cycles

This cover is available as an optional extension of the policy for an additional premium. It provides cover for loss of/or damage anywhere in the world (including inside the home) to pedal cycles and accessories. Note cover up to £300 is included under the Unspecified Personal Belongings section if already selected. Alternatively, you can either:

  • Include pedal cycles up to £300 on its own without other Unspecified/Specified cover, or
  • Specify pedal cycles between £300 and £1000 in value
  • You can insure any number of Pedal Cycles under this section of cover
For Mobile Phones

This cover is available as an optional extension of the policy for an additional premium. It provides cover for loss of/or damage anywhere in the world (including inside the home) to mobile phones. Note cover up to £300 is included under the Unspecified Personal Belongings section if already selected.

Definition of Mobile Phone: An electronic telecommunications device often referred to as a cellular phone or cell phone. Mobile phones connect to a wireless communications network through radio wave or satellite transmissions. Most mobile phones provide voice communications, Short Message Service (SMS), Multimedia Message Service (MMS), and newer phones may also provide Internet services such as Web browsing and e-mail.

The definition above would include smart phones such as iPhones and so these would be covered under the mobile phone limits.

You have not added any specified items covered in and away from your home Add an item

Caravan

Do you want caravan cover?
?

Caravan Cover

This cover is available as an optional extension of the policy for an additional premium. It provides cover for loss of/or damage to static/mobile caravans and park homes used as a holiday home and touring caravans.
£.00
?

Caravan Value

You should enter the current market value of the caravan.

£.00
?

Caravan Contents Value

Contents within the caravan can be requested up to a maximum sum insured of £2,500. Caravan equipment is only covered whilst in the caravan and in direct transit between the caravan and the home.

Equipment includes:


  • luggage
  • bedding and household linen
  • awnings and toilet tents
  • furniture, fixtures and fittings, domestic appliances
  • utensils, glassware, kitchenware
  • Up to a combined maximum value of £500 for TV sets, satellite receivers, radios and audio equipment, VCRs, DVD players and desktop PCs
  • food
  • gas bottles

Caravan contents does NOT include such items as jewellery, watches, cameras, sports equipment, clothing, money or pedal cycles.

If cover is required for such items away from the home, this is provided by the relevant extension to the Contents section of the policy.

Is the caravan kept at your home address when not in use?

Your browser is out-of-date!

Update your browser to view this website correctly. Update my browser now

Close