Home Insurance quote ref: 7784-445697-3821. David, get Home Insurance for £221.89
- Start date: 28 May 2020
- Cover type: Buildings and Contents with Accidental Damage for both
- Excess for Buildings and Contents: £100 compulsory + £250 voluntary
- Additional cover: Legal Expenses Cover, Key Cover
This quote is valid until 28 May 2020.
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Your cover summary
Buildings Insurance
- Covers loss and damage to the structure of your home and outbuildings due to fire, theft, flood and subsidence
- Up to £200,000 for alternative accommodation
- Up to £5,000 to find and repair a water leak ('trace and access')
- Up to £1,000 for replacements locks
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Buildings Insurance - Product Information
Contents Insurance
- Covers loss and damage to contents inside your home caused by things like fires, thefts and flooding
- New for old replacements
- Up to £75,000 contents insurance
- Valuables worth up to £10,000 each in the home
- Up to £15,000 for alternative accommodation
- Contents in the garden up to £1,000
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Contents Insurance - Product Information
Endorsements on your policy
You must comply with the following conditions
An endorsement is an amendment to the terms of your insurance policy. If you do not follow these conditions, you will break a condition of your policy and we will not pay any claim for theft, attempted theft, malicious damage or vandalism at the home.
Below are details of the endorsements applied to your policy
Locks Endorsement (LC01)
- Whenever you, your family or an authorised person are not present at the home the following security devices must be fitted and put into full operation:
- All external doors are fitted with either locks conforming to British Standard, or a 3 bolt multiple locking system
- Patio doors are fitted with key operated locks top and bottom or multi point locking system
- Domestic garages and outbuildings are fitted with locks
- All ground floor and accessible windows are fitted with key operated locks with detachable keys
- Whenever you, your family or an authorised person are not present at the home all keys must be removed from the locks and not left in view.
- When you, your family or an authorised person staying at the home go to bed all external doors and windows must be secured as described under 1, a-d above, except windows in occupied bedrooms can be left open for ventilation.
- When you, your family or an authorised person staying at the home go to bed keys can be left in the locks of doors and windows which could be used as an emergency escape route in the event of a fire.
- For the purpose of this endorsement an accessible window is any window that can be easily reached from the ground without the use of a ladder or via a single storey extension, balcony, external staircase or fire escape, nearby trees, outbuildings, garages, fences or walls.
Alarm Endorsement (AM01)
You are required to have an intruder alarm fitted to the home.
The intruder alarm must:
- Be installed by a company regulated by the National Security Inspectorate (NSI) which incorporates the National Approval Council for Security Systems (NACOSS) or a company regulated by the Security Systems and Alarm Inspection Board (SSAIB).
- Be put into full operation whenever you, your family or an authorised person is not present at the home, and if the alarm is key operated the keys must be removed to a place of safety and not left in view.
- Be put into full operation when you and your family or any authorised person staying at the home, go to bed.
- Be maintained in full working order under an annual maintenance contract with an appropriate alarm maintenance company or installer regulated by the National Security Inspectorate (NSI) which incorporates the National Approval Council for Security Systems (NACOSS) or a company regulated by the Security Systems and Alarm Inspection Board (SSAIB). We may require evidence of the maintenance agreement in the event of a claim.
You must:
- Inform the intruder alarm company immediately of any fault discovered in the alarm system.
- Inform us immediately of any written notification from the police authorities or private security firm if applicable, about the withdrawal or possible withdrawal of their response to alarm calls.
Buildings excess
Contents excess
Accidental Damage
Covers accidental damage and loss to buildings. For example, if your child draws on the wallpaper and it needs to be replaced.
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Home insurance - Terms & Conditions
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.
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Home insurance - Terms & Conditions
Additional cover
£3.75 per month
£12.00 if you choose to pay annually
What's covered?
- Repairs for permanent or serious harm to your home
- Call-outs from tradespeople
- Emergencies of up to £1,000
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Home Assistance - Insurance Product Information
£2.17 per month
£25.99 if you choose to pay annually
What's covered?
- Legal fees and associated costs
- Up to £50,000
- Personal injury cases
- Employment disputes
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Legal expenses - Insurance Product Information
£1.50 per month
£17.99 if you choose to pay annually
What's covered?
- Keys lost, stolen or locked inside your vehicle
- Up to £1,500 for replacement keys or locksmith charges
- Key fob with £10 finder's fee
- £0 excess on Key Cover claims.
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Key Cover - Insurance Product Information
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?
- Buildings and Contents
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
Your home 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
Your previous insurance
- 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
Personal possesions cover
Unspecified items cover £1,000
Specified items cover £7,075
- Jewelry
Diamond ring
£6,550
- Bicycles
Mountain Bike
£525
Legal stuff
Policy terms and conditions
Who is this policy underwritten by?
We work with a panel of carefully selected insurers to deliver you the best price, which includes AXA Insurance PLC, Lloyds Bank General Insurance Limited, Covea Insurance PLC, Highway Co (part of the Liverpool Victoria group of companies) and Zurich Insurance PLC. This home insurance policy is underwritten by Axa.
Your policy documents
Home Insurance Privacy Notice Terms and Conditions Home Assistance Insurance Product Information Legal Expenses Insurance Product Information Contents only Insurance Product Information Important Information about our insurance services
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 is due to end with details of how much your policy will cost for the following year, as well as what you paid last year.
We’ll automatically renew your policy and take payment five days before your renewal date. If you choose to pay annually, we'll automatically take payment in full and will use the card details you provided at checkout when you first purchased the policy. If you choose to pay monthly, we'll automatically take one months payment.
You can opt out or cancel automatic renewal
If you don’t want your policy to automatically renew or don’t want us to automatically use the card details you’ve provided us with, please get in touch with us by emailing homeinsurance@britishgas.co.uk or by calling 0333 202 9604 – Monday to Friday: 8am - 8pm, Saturday 8am - 6pm. Calls are free from mobiles and landlines. We record calls to help improve our service to you.
Your insurance document pack
Let us know how you'd like to receive your Home Insurance policy documents, including your Policy Schedule, Terms & Conditions and Statement of Fact.
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If you would like to find out more please see our privacy policy.
Complete your order. Your final quote is £221.89 which includes:
- Building and Contents cover
- Accidental Damage for Buildings
- Accidental Damage for Contents
- Legal Expenses Cover
- Key Cover
Final quote price includes all compulsary and voluntary excess amounts.
One initial payment of £43.47 followed by 11 monthly payments of £18.18 1
That’s £243.45 in total
One payment of £221.89
Lock this quote and pay
After you’ve hit ‘Finish and pay’, you won’t be able to change this quote.
Legal information
- 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.
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British Gas acts as a credit broker not the lender and offers products from Premium Credit Limited. Availability of credit depends on status and credit checks. Terms and conditions apply.
British Gas Home Insurance is sold, arranged and administered by British Gas and is underwritten by a carefully selected insurer. Your policy documents will show you who your insurer is. British Gas is a trading name of British Gas Services Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales (No. 03141243). Registered office: Millstream, Maidenhead Road, Windsor, Berkshire SL4 5GD. www.britishgas.co.uk