Home Insurance Quote through Compare the Market. Your Buildings and Contents Insurance for £221.89
With a £100 compulsory excess and a £250 voluntary excess for buildings and contents.
Valid until: 25/02/2020
Quote reference: 17800-84261-50321
Your cover summary
Buildings Insurance up to £1,000,000
Covers loss and damage to the structure of your home, garage and its outbuildings caused by things like fires, theft, flooding and subsidence.
Contents Insurance up to £75,000
Covers loss and damage to contents inside your home caused by things like fires, thefts and flooding.
FREE Hive Leak Plan worth £48
Stop little leaks becoming big problems with a free Hive Leak Sensor and a 12-month subscription to Hive Leak alerts. 1
More about your cover
Buildings insurance summary
- Accidental breakage of fixed glass in windows, ceramic hobs, fixed sanitary ware and bathroom fittings up to £1,000,000
- Valuables worth up to £10,000 each, or £20,000 in total, are automatically covered inside your home against damage and loss – you don't have to list or specify them
- Up to £200,000 alternative accommodation for Buildings cover
- Up to £15,000 alternative accommodation
Contents insurance summary
- Trace and excess for water leaks is covered up to £5,000
- Audio-visual equipment, including TVs, is automatically covered against accidental damage
- Replacement locks are covered up to £1,000
- Garden contents are covered up to £1,000.
Buildings excess
Compulsory = £100
Voluntary = £250
Contents excess
Compulsory = £100
Voluntary = £250
Additional cover
Price is calculated upon selection
Covers accidental damage and loss to buildings – for example, if your child draws on the wallpaper and it needs to be replaced.
Price is calculated upon selection
Covers accidental damage and loss to contents – for example, the damage caused by smashing an expensive vase or accidentally spilling a glass of red wine on the carpet.
£3.75 per month
Covers repairs and call-outs from tradespeople up to £1000 if there’s an emergency that could cause permanent damage or serious harm your home, like a burst pipe
Total price for the year is £12.00, excluding the cost of credit.
£2.17 per month
Covers legal advisor’s fees and costs associated with taking legal action for up to £50,000, including personal injury cases or employment disputes
Review your details
Your details
Policy questions
| Your address | 8, Bradman Row, Pavilion Way, Edgware, HA8 9YS |
| Do you own or rent your home? | Owned |
| Are you currently living at the property? | Yes |
| Home Insurance start date | 26/02/2020 |
| What cover can we offer you? | Contents |
| Choose your voluntary Contents excess | £250 |
| Would you like Accidental Contents Damage cover? | No |
| How would you like to receive your policy documents? |
Personal details
| Name | Mr Smith |
| dave@smith.com | |
| Name | Mr Smith |
| Phone | 07809413319 |
| Date of birth | 27/07/1974 |
| Marital status | Married |
| Employment status | Employee |
| Job title | Design Director |
| Job industry | Design Consultancy |
| Secondary employment status | None |
Property and cover details
| What type of home do you have? | Self Contained Flat |
| Is your home a listed building? | No |
| How long you have lived here? | 9+ years |
| What year was it built? | 1960 |
| What’s the main material of your walls? | Brick |
| What’s the main material of your roof? | Tile |
| What percentage of your roof is flat? | none |
| How many bedrooms are there? | 3 |
| How many bathrooms are there? | 2 |
| How many adults live in your home? | 1 |
| How many children live in your home? | 2 |
| When are there usually people at home? | During the day |
| Do you have windows and door locks? | Yes |
| What type of burglar alarm do you have? | No Alarm |
| Do you have a smoke detector? | On all floors |
| Have you had Buildings Insurance in the past? | No |
| Have you had Contents Insurance in the past? | Yes |
| From now, how many years in a row have you held Contents Insurance without making a claim? | 9+ years |
| Add unspecified personal possessions cover? | No |
Assumptions
Assumptions that we made to give you this quote
Assumptions about your home
- You live in a house or flat that is not left unoccupied for more than 30 days at a time
- Your home is in a good state of repair
- Your home has not suffered from flooding, subsidence, heave, landslip or been subject to past or present subsidence monitoring
- Your home doesn’t have more than 15 rooms in total
- Your home doesn’t have any ongoing building work
- There are no trees within 5m of your home that are taller than 10m
- Your home is not marketed and rented out as a holiday home
- Business use at your home is for administrative purposes only
- Your home is not let, sub-let or shared by non-family members
- Your home is not let, sub-let or shared by non-family members
- Buildings cover up to £1 million would be enough to totally rebuild your home
Assumptions about you
- You or anyone living with you haven't had insurance refused, had a policy withdrawn or had special terms applied by an insurer in the past
- You or anyone living with you have not ever been declared bankrupt or been the subject of bankruptcy liquidation or County Court Judgment proceeding's
- You or anyone living with you have not got any unspent convictions, police cautions, or any pending prosecutions (other than driving offences)
- Contents cover of up to £75,000 would be enough to replace all of your contents in your home
Legal stuff
Policy terms and conditions
Your policy documents
Cancellation terms
You can cancel your Home Insurance at any time
Cancellation within 14 days cooling off period
If cover has not started, we will refund the full premium. If cover has started, we will keep an amount of premium in proportion to the time you have been on cover and refund the rest to you provided no claims have occurred. If any claims have been made you will not receive a refund of premium.
Cancellation outside of 14 days cooling off period
As long as you have not incurred eligible claims during the period you have been on cover, an amount of premium in proportion to the time you have been on cover will be kept and rest of premium will be refunded. Administrator will apply an administration fee of £25 as part of cancellation.
If you are paying by instalments, your instalments will end. However if you have incurred eligible claims you will either have to continue with the instalments, until the policy renewal date, or we may, at administrator’s discretion, take the outstanding instalments you still owe from any claim payment made. If you pay annually and you have received payment for or are in the process of making a claim you will not receive any refund of premium.
Renewals
Automatic renewal
We'll write to you about a month before your policy expires. We'll let you know how much your policy will cost for the next year. Don't forget, your policy will renew unless you tell us you don't want it to.
Marketing preferences
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If you would like to find out more please see our privacy policy.
Contract agreement
- I agree with the assumptions stated and confirm that all the details given are correct.
- Yes, I have read the Terms & Conditions and Insurance Product Information Documents.
- I confirm that don’t have an existing cover that provides similar benefits as Home Assistance
Need to edit your quote?
If you need to amend or change something, select ‘Edit my quote’. If you are happy with it, select ‘Finish and pay’.
Complete your order
Your updated quote includes Building and Contents cover, FREE Hive Leak Plan and will cost £221.89
One initial payment of £43.47 followed by 11 monthly payments of £18.18 2
That’s £243.45 in total
One payment of £221.89
Please note: after you’ve hit ‘Finish and pay’, you won’t be able to change this quote.
Legal information
- Hive will contact you by email to arrange for the fulfilment and delivery off your Hive Smart Pack. Your Hive Leak Plan subscription will renew automatically as part of your Home Insurance policy: you can expect to pay £10.99 per year or 92p per month (excluding APR) on average from year 2 onwards. Prices may be subject to change. You can choose to remove Hive Leak Plan from your policy at renewal, though this means you’ll no longer receive notifications about unusual water flow activity detected in your home. Your Hive Leak Sensor must be correctly installed and maintained to work. You’ll need to have mobile coverage and a smartphone or tablet to get notifications. Hive products require broadband and Wi-Fi. Terms apply – www.hivehome.com/terms. British Gas may use the data from your Hive Smart Pack for future pricing and modelling purposes.
- Your monthly installments will be collected by our credit provider, Premium Credit Limited. British Gas acts as a credit broker, not the lender, and offers products from Premium Credit Limited All prices include Insurance Premium Tax. Availability of credit is subject to status.
- We work with a panel of carefully selected insurers to deliver you the best price, which includes AXA Insurance PLC, Covea Insurance PLC, Highway Co (part of the Liverpool Victoria group of companies) and Zurich Insurance PLC.