how do I arrange cover?
After you have obtained a quotation all you need to do is contact us by telephone or email, advising the date you would like cover to start. We will be able to confirm cover immediately, but this is subject to receiving your payment and a completed proposal form within 30 days.
Once your payment and proposal form have been accepted, your policy documents will be issued. Confirmation documents can be provided to satisfy any lenders requirements if necessary.
do you charge any fees?
Insure Homes Limited do not charge you any handling fees for arranging insurance. On any quotation we offer, we will provide you with details of any fees relating to that particular policy or insurer.
how do I make changes to my policy?
You will need to notify us if you need to make any changes to the cover you require, for example increasing or reducing your sums insured, or adding another property to your policy. We will then advise you of any changes to your premium and cover, and issue any revised documents once any payment or paperwork has been received.
You can either telephone us on Freephone 0800 7837187, email us at firstname.lastname@example.org, or write to us at PO Box 29, Cheltenham, GL52 8GW.
what if I change my mind?
If you cancel your policy within the first 14 days of receiving your documents, you are entitled to a full refund of the premium paid, providing you have not made any claims in that time.
Should you need to cancel at any other point during the 12 month policy term, we will require confirmation of this in writing. If the premium has been paid in full you will be entitled to a pro rata refund less the original £25 administration fee, which will be retained by the insurance company.
who do I contact in the event of a claim?
All claims are handled by the insurers directly. In the event of loss or damage you will need to contact the claims department at Advent Insurance Services Limited:
telephone: 01242 674674
write to: Advent Insurance Services Limited, PO Box 16, Cheltenham, GL52 8WU
can I see the full insurance wording before arranging cover?
Yes, simply contact us and we will send out the relevant policy document.
what does 'rebuild cost' mean?
The rebuild or reinstatement value is the amount it would cost to completely rebuild your home, including materials and labour if it was destroyed beyond repair.
The cost takes into account the size, age and construction of the property and is usually lower than the market value, but it can be higher. It is important that the figure covers the full cost of rebuilding the property and if you are unsure of the cost it can be obtained from a qualified surveyor.
Your mortgage lender may also be able to help you or you can search online for a "rebuild calculator".