Home insurance

Additional products

FAQs

Got a question?

See if we’ve answered it below, and if not, please don’t hesitate to contact us and let us know how we can help.

• Can I get immediate home insurance cover?

  Yes, as long as you have a valid debit or credit card and your bank authorises it, we can issue cover. You can buy your home insurance over the phone 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.

• How much should I insure my building and contents for?

  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.

• Will my policy cover accidental damage?

  Buildings – If you have taken out buildings cover, your policy will cover for 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 things like smashing your TV or other entertainment equipment within the home. If you need more extensive accidental damage – for example to cover you for something like spilling paint on your carpet, you’d need to choose this as an extra option.

• Do you insure laptops?

  Laptops are covered for major risks and accidental damage, providing the laptop is not used for business purposes. If the laptop is valued over £1,500 this would need to be specified on your policy.