Home Insurance quote ref: 7784-445697-3821. David, get Home Insurance for £221.89

  • Start date: 28 May 2020
  • Cover type: Buildings and Contents
  • Excess for Buildings and Contents: £100 compulsory + £250 voluntary

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
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
Contents Insurance - Product Information

Buildings excess

Voluntary excess is the amount you'll have to pay if you make a claim on your cover. You'll also have to pay a compulsory excess of £100 for standard claim or £350 if you're making a claim due to escape of water.

Contents excess

Voluntary excess is the amount you'll have to pay if you make a claim on your cover. You'll also have to pay a compulsory excess of £100 for standard claim or £350 if you're making a claim due to escape of water.

Accidental Damage

Covers accidental damage and loss to buildings. For example, if your child draws on the wallpaper and it needs to be replaced.

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.

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

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

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.

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
Email
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.

Marketing preferences

We'd like to let you know about personalised offers and relevant products from British Gas and its related brands (Scottish Gas, Local Heroes, Dyno and Hive).

You can manage your preferences and opt out at anytime by visiting our Help and Support section.

If you would like to find out more please see our privacy policy.

Contract agreement

Please read and agree to the Terms & Conditions.

Complete your order. Your final quote is £221.89 which includes:

  • Building and Contents 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.
Finish and pay

Legal information

  1. 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.

  2. 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

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