Home insurance

Yes, as long as you have a valid debit or credit card and your bank authorises it, we can issue cover online immediately. If you do have any questions, please give us a call on 0131 555 5999 and one of our team will be happy to help. However, if our lines are closed, we will not be able to assist until the following working day.

Buildings – Your building should be insured for the cost of rebuilding (not the current market value), which can usually be found on the buyers’ report or survey you got when you bought the property (although, if this was not in the last few years, the amount will need to be increased to take inflation into account).

Contents – Contents insurance would include furniture, appliances, carpets, clothes, personal items and any other item you’d take with you when you move home. These should be insured for the amount it would cost to replace them at today’s prices.

Buildings – If you have taken out buildings cover, your policy will cover any accidental damage to fixed glass and sanitary ware – for example, if you were to drop something heavy into the wash-hand basin and crack it. If you want full accidental damage for things like accidentally putting your foot through the floor of the loft, you will need to choose this as an extra option.

Contents – If you have taken out contents cover, you’ll be covered for fire, flood and theft of contents to the agreed value. If you need more extensive accidental damage – for example, to cover the TV being smashed or paint spilling on your carpet, you will need to choose this as an extra option.