The rebuild or reinstatement value is the amount it would cost if your property was destroyed beyond repair and had to be completely rebuilt from the ground up. This includes any building materials and labour to fully reinstate the property.

The rebuild value 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 value provided covers the full cost of rebuilding the property. If you are unsure, you can ask your mortgage lender or a qualified surveyor for help.

Alternatively, the Association of British Insurers (ABI) provides information regarding reinstatement values, including an online calculator which can be found at ABI Calculator.

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

Email: claims@adventinsurance.co.uk

Write to: Advent Insurance Services Limited, PO Box 16, Cheltenham, GL52 8WU

Insure Homes Limited do not charge any administration fees for arranging insurance policies. When we provide quotations, we will inform you of any fees relating to that particular policy or Insurer.

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 by phone, but this is subject to receiving your payment and a completed proposal form within 30 days. If cover is requested by email, please note that cover will not be operative until confirmed by ourselves.

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.

Payment can be made in full either by cheque, bank transfer or credit/debit card.

We do have the option of a pay monthly direct debit and this facility is provided by Close Brothers Premium Finance. Please note the direct debit option is subject to an additional fee and full details of this service can be provided on request.

In the event of a claim, in excess is the amount you would pay for any one incident under each section of your Insurance Policy and which is deducted from your claim settlement.

If you wish to make changes to your policy, simply contact us on 01242 678678 or email us at insure@insurehomeslimited.co.uk. While there are no handling fees relating to your policy, some policy amendments may require the payment of an additional premium.

Yes, we can provide a copy of the full policy wording by email or by post, advising which product you require. If you would like a copy sent to you, please contact us on 01242 678678 or email us at insure@insurehomesdirect.co.uk.

If you cancel your policy within the first 14 days of receiving your documents or 14 days after the start of the insurance, 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 your policy at any point during the 12 month policy term, we will require a written request, which can be sent by email to insure@insurehomesdirect.co.uk or by letter.

You are entitled to cancel your insurance by contacting us within 14 days of either the date you receive your insurance documentation or the start of the period of insurance, whichever is the later. Provided You have not made any claims, we will refund the premium.

You can also cancel this insurance at any time by contacting us directly. Any return premium due to you will depend on how long this insurance has been in force and will be less Advent’s Administration Fee stated on your insurance schedule.

No, we do not save payment details. Once used, any card details provided to us are subsequently deleted.