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Please answer everything accurately before continuing.

Your address and choice of cover

House number or name

What address do you need?

Please tell us the address for the home you’d like to insure.

Postcode

What postcode do you need?

Please tell us the postcode for the home you’d like to insure.

What if I don’t know the postcode?

The Royal Mail Postcode Finder can help. We’ll need the correct postcode to give you a quote.

Do you own this home?

Why do you need to know?

Whether you own your home will affect the cover you can choose. If you rent your home, buildings insurance will not be available to you.

What if I have a mortgage?

You can answer Yes if you have a mortgage, are buying your home, or have paid for it in full.

What if I’m renting?

Please answer No if you rent this home.

What if I haven’t moved in yet?

Please answer based on whether you’ll be renting or buying your home.

Your cover

What’s the difference?

Buildings insurance covers the structure of your home, such as the walls, roof and doors.

Contents insurance covers what’s inside your home, such as furniture, carpets and electrical goods.

What’s covered?

Major risks such as fire, flooding, theft and storm damage are covered as standard, whichever option you choose.

What if only contents insurance is available?

Buildings insurance will not be offered to people who rent their home. Buildings cover will be the responsibility of your landlord.

Cover start date

When will my home insurance begin?

You can choose your preferred date. Your cover will start from one minute after midnight on the date you choose. If you enter today's date, cover will start immediately after payment.

How far in advance can I set this?

Your start date can be no more than 30 days from today.

About your home

Property type

Does the type of home make a difference?

Yes, it can do. For the most accurate cover, please choose the correct type of home you want to insure.

What if more than one description matches my home?

Please select the most appropriate one.
Include rooms that were originally built as a bedroom, and any that have been converted for another use

Number of bedrooms

Please also include any rooms that have been converted into a bedroom, such as a loft.

If your home includes an Annex or Granny flat, please ensure the total number of bedrooms you tell us about also includes those contained within the Annex or Granny Flat.
A room containing a bath or shower, and typically a washbasin and toilet

Number of bathrooms

Please include conventional bathrooms, en-suite bathrooms, shower or wet rooms, as well as rooms with a toilet and or washbasin only.

If your home includes an Annex or Granny flat, please ensure the total number of bathrooms you tell us about also includes those contained within the Annex or Granny Flat.
Please tell us about all other rooms in your home, excluding hallways and corridors.

Number of other rooms

By ‘number of other rooms’ we mean the number of all other rooms, for instance, kitchen, sitting and dining rooms, within your home (other than hallways, corridors or bathrooms and bedrooms that you have already told us about).

Please also include rooms within an Annex, Granny Flat, garage or outbuilding, if it has been converted for domestic purposes.

Build date

How accurate do I need to be?

When telling us when your home was built, please be as accurate as you can. You can check your property deeds or estate agent details, or estimate to the nearest period.

Exact build year

Why do you need the exact build year?

For accuracy we ask this for homes built in 2000 or after. You can check your property deeds or estate agent details to find out the exact build year.
If your walls are a combination of any materials that are listed, then please select the material that makes up the majority of your walls.
If your roof is a combination of any materials that are listed, then please select the material that makes up the majority of your roof.

How much of the roof is flat?

Do I need to include any outbuildings?

No, you only need to tell us about the roof on the main building.

What if my home has more than one roof?

Please consider all the roof areas and tell us what percentage is flat.

What if I live in an apartment block?

Please answer based on the roof above your flat. If you have another flat above you, please answer based on the roof of the building.
You must tell us about any damage caused by flooding to any part of your home - including any outbuildings, garden or land.

Flood history

What do you mean by ‘flooded’?

A flood is any damage caused by a surge of water outside, such as heavy rainfall or a river bursting its banks. Damage caused by a burst pipe indoors, for example, is not a flood.

What if I’ve not lived here for all the last 10 years?

Please answer accurately to the best of your knowledge – checking the history of this property if possible.
You must tell us about any ground movement on any part of your home - including any outbuildings, garden or land.

History of subsidence, ground heave and landslip

What is subsidence, ground heave and landslip?

Subsidence, ground heave and landslip are ground movements which can damage a property. Subsidence is when the earth shifts downwards. Ground heave is when the earth shifts upwards. Landslip is when the earth shifts sideways.

What if I’ve not lived here for all the last 10 years?

Please answer accurately to the best of your knowledge - checking the history of this property if possible.

Listed building

What’s a listed building?

Some buildings in the UK are listed as being of special architectural or historic interest, and you must get listed building consent from your planning authority if you wish to alter, extend or demolish a listed building. You can find out more at English Heritage and Historic Scotland.

Use of home

Number of adults at home

What if some adults stay for a few days only?

Please tell us the total number of adults who regularly live at your home - even if they’re not all there at the same time.

Do I include children aged 17 or under?

No - we’ll ask you about any children at home next.

Number of children at home

Do I include 18 year olds?

No, you should only include children who are 17 or younger.

What if the children study away from home?

If the children spend any time at home during the year, please include them in your answer.

Regular use

What do you mean by ‘family’?

As well as spouses, partners or children, your family can also include domestic staff and anyone permanently living with you who doesn’t pay to do so.

What if I live on my own?

Please tell us when you’re normally at home. You shouldn’t include any family members if they don’t usually live with you.

Business use

Do I need to include outbuildings?

Yes, please tell us if any business is carried out anywhere at home - the main building, any outbuildings, even the garden.

What if people visit my home due to my business?

If anyone comes to your home because of your work, you will need to choose 'Business visitors to the home' regardless of the type of work you do.

What if I have an office at home?

If your business is 'paperwork' (computer-based, for example), and doesn’t involve manual work or business visitors, you can select 'Clerical business use only'.

What if I have a workshop at home?

If your business involves any physical labour (such as carpentry) in the main building or in any outbuilding, you will need to select 'Other business use'.

Specified items

Include items like jewellery, watches, laptops, televisions and antiques.

Don't include bicycles as we will ask about these separately.

Add item

If you have an item for example a television, which to replace as new would cost £3,000 and you did not include this item, you would not be fully covered in the event of a claim.

Would you like cover for any items worth more than £1,500 each?

Please provide as much detail about your item.

For example:

  • If you have a laptop, include the make, model and serial number, if you know it.
  • If you have a ring, include the type and size of the stone and the precious metal the ring is made from, if you know it.
£
Add item Cancel

Please provide as much detail about your item.

For example:

  • If you have a laptop, include the make, model and serial number, if you know it.
  • If you have a ring, include the type and size of the stone and the precious metal the ring is made from, if you know it.
£
Add item Cancel

Please provide as much detail about your item.

For example:

  • If you have a laptop, include the make, model and serial number, if you know it.
  • If you have a ring, include the type and size of the stone and the precious metal the ring is made from, if you know it.
£
Add item Cancel

Please provide as much detail about your item.

For example:

  • If you have a laptop, include the make, model and serial number, if you know it.
  • If you have a ring, include the type and size of the stone and the precious metal the ring is made from, if you know it.
£
Add item Cancel

Please provide as much detail about your item.

For example:

  • If you have a laptop, include the make, model and serial number, if you know it.
  • If you have a ring, include the type and size of the stone and the precious metal the ring is made from, if you know it.
£
Add item Cancel

Please provide as much detail about your item.

For example:

  • If you have a laptop, include the make, model and serial number, if you know it.
  • If you have a ring, include the type and size of the stone and the precious metal the ring is made from, if you know it.
£
Add item Cancel

Please provide as much detail about your item.

For example:

  • If you have a laptop, include the make, model and serial number, if you know it.
  • If you have a ring, include the type and size of the stone and the precious metal the ring is made from, if you know it.
£
Add item Cancel

Please provide as much detail about your item.

For example:

  • If you have a laptop, include the make, model and serial number, if you know it.
  • If you have a ring, include the type and size of the stone and the precious metal the ring is made from, if you know it.
£
Add item Cancel

Please provide as much detail about your item.

For example:

  • If you have a laptop, include the make, model and serial number, if you know it.
  • If you have a ring, include the type and size of the stone and the precious metal the ring is made from, if you know it.
£
Add item Cancel

Please provide as much detail about your item.

For example:

  • If you have a laptop, include the make, model and serial number, if you know it.
  • If you have a ring, include the type and size of the stone and the precious metal the ring is made from, if you know it.
£
Add item Cancel

Please provide as much detail about your item.

For example:

  • If you have a laptop, include the make, model and serial number, if you know it.
  • If you have a ring, include the type and size of the stone and the precious metal the ring is made from, if you know it.
£
Add item Cancel

Please provide as much detail about your item.

For example:

  • If you have a laptop, include the make, model and serial number, if you know it.
  • If you have a ring, include the type and size of the stone and the precious metal the ring is made from, if you know it.
£
Add item Cancel

Please provide as much detail about your item.

For example:

  • If you have a laptop, include the make, model and serial number, if you know it.
  • If you have a ring, include the type and size of the stone and the precious metal the ring is made from, if you know it.
£
Add item Cancel

Please provide as much detail about your item.

For example:

  • If you have a laptop, include the make, model and serial number, if you know it.
  • If you have a ring, include the type and size of the stone and the precious metal the ring is made from, if you know it.
£
Add item Cancel

Please provide as much detail about your item.

For example:

  • If you have a laptop, include the make, model and serial number, if you know it.
  • If you have a ring, include the type and size of the stone and the precious metal the ring is made from, if you know it.
£
Add item Cancel

Personal possessions

This is to cover portable items you normally wear, use or carry outside of your home such as your phones, tablets, laptops or the contents of your bag.

Don't include items that you have told us about seperately.

Personal possessions

Feel well looked after away from home knowing that what you take with you is covered for theft, loss or damage.
What it covers

  • Repair or replacement of your personal items if they are lost, stolen or damaged away from your home
  • Jewellery, watches, mobile phones, tablets, handbags, holiday luggage and glasses outside the home
  • Up to the amount you choose
  • All the time you're away from home in Europe, the Canary Islands, Madeira, Jordan and any country bordering the Mediterranean
  • Anywhere else in the world for up to 60 days during the year
Some things it doesn't cover

  • Contents you would not normally, use, wear, carry or take outside the home
  • Anything not in the care, custody or control of you, or your family who live with you, or any other authorised person
  • Anything not hidden from view in an unattended vehicle
  • Repair, replacement or cash payments greater than your chosen cover level
The total amount you select should be the maximum value of items you take away from your home.

Specified bicycle cover

Specified bicycle cover


Bicycles worth £350 or less are already covered at and away from home up to a total claim limit of £1,500. If you want cover for bicycles worth more than £350 you must add them as a specified bicycle.
What it covers

  • Bicycles at and away from your home
  • Repair or replacement up to the amount specified for each bicycle, following theft, loss or damage
  • Any accessories which are lost, stolen or damaged along with the bicycle
Some things it doesn't cover

  • Unattended bicycles unless they are secured to a permanent structure or motor vehicle with a suitable locking devices
  • Theft when the bicycle is mounted on a motor vehicle unless both the bicycle and the mount have a suitable locking device in operation
  • Loss or damage caused by cleaning, maintenance, dismantling or repair - or by failure to do these things
  • Loss or damage caused by mechanical or electrical breakdown or failure
  • Bicycles while being used for racing, pace making or trials
  • Electrically powered or powered assisted bicycles with a motorised output in excess of 250 watts
Would you like cover for any bicycles worth more than £350 each?
Please include details like the make, model and colour if known e.g. Cannondale Synapse 105 Black
£
Add bicycle Cancel
Please include details like the make, model and colour if known e.g. Cannondale Synapse 105 Black
£
Add bicycle Cancel
Please include details like the make, model and colour if known e.g. Cannondale Synapse 105 Black
£
Add bicycle Cancel
Please include details like the make, model and colour if known e.g. Cannondale Synapse 105 Black
£
Add bicycle Cancel
Please include details like the make, model and colour if known e.g. Cannondale Synapse 105 Black
£
Add bicycle Cancel
Please include details like the make, model and colour if known e.g. Cannondale Synapse 105 Black
£
Add bicycle Cancel
Please include details like the make, model and colour if known e.g. Cannondale Synapse 105 Black
£
Add bicycle Cancel
Please include details like the make, model and colour if known e.g. Cannondale Synapse 105 Black
£
Add bicycle Cancel
Please include details like the make, model and colour if known e.g. Cannondale Synapse 105 Black
£
Add bicycle Cancel
Please include details like the make, model and colour if known e.g. Cannondale Synapse 105 Black
£
Add bicycle Cancel
Please include details like the make, model and colour if known e.g. Cannondale Synapse 105 Black
£
Add bicycle Cancel
Please include details like the make, model and colour if known e.g. Cannondale Synapse 105 Black
£
Add bicycle Cancel
Please include details like the make, model and colour if known e.g. Cannondale Synapse 105 Black
£
Add bicycle Cancel
Please include details like the make, model and colour if known e.g. Cannondale Synapse 105 Black
£
Add bicycle Cancel
Please include details like the make, model and colour if known e.g. Cannondale Synapse 105 Black
£
Add bicycle Cancel

About your claims

You must declare all home insurance claims or losses, including:
  • Claims or losses for you and anyone living with you
  • Home insurance claims at home or away from home
  • Loss or damage which did not lead to a claim
  • Loss or damage whether insured or not

Claims history

Do I need to tell you about claims involving anyone at home?

Yes. If anyone living with you made a home insurance claim, please include it here.

What does 'Loss or damage which did not lead to a claim' mean?

If the structure of your home was damaged or an item was stolen, for example, but you decided not to claim for it, please include it here.

What if I didn’t have insurance at the time?

Please tell us if there was any damage at home, even if it was not insured.

Your home insurance claims history before taking out this policy

Claim 1

Claim date

What if no claim was made?

Please tell us the month when the loss or damage happened.

What if I don’t know when exactly?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claim.

Claim type

What do all the claim types mean?

You can find definitions for each claim in our Frequently Asked Questions.

Cover affected

What does this mean?

Please tell us whether the damage was claimed on a buildings insurance policy, a contents insurance policy, or a combined buildings & contents policy.

What if I wasn’t insured at the time?

Please select ‘No insurance’.

What if no claim was made?

Please select ‘No insurance’.
£
This is the total cost of the claim as paid by the insurer. If a claim was not made, or no insurance was held at the time, then enter the loss amount to the best of your knowledge in whole pounds.
Add another claim Remove claim

Claim 2

Claim date

What if no claim was made?

Please tell us the month when the loss or damage happened.

What if I don’t know when exactly?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claim.

Claim type

What do all the claim types mean?

You can find definitions for each claim in our Frequently Asked Questions.

Cover affected

What does this mean?

Please tell us whether the damage was claimed on a buildings insurance policy, a contents insurance policy, or a combined buildings & contents policy.

What if I wasn’t insured at the time?

Please select ‘No insurance’.

What if no claim was made?

Please select ‘No insurance’.
£
This is the total cost of the claim as paid by the insurer. If a claim was not made, or no insurance was held at the time, then enter the loss amount to the best of your knowledge in whole pounds.
Add another claim Remove claim

Claim 3

Claim date

What if no claim was made?

Please tell us the month when the loss or damage happened.

What if I don’t know when exactly?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claim.

Claim type

What do all the claim types mean?

You can find definitions for each claim in our Frequently Asked Questions.

Cover affected

What does this mean?

Please tell us whether the damage was claimed on a buildings insurance policy, a contents insurance policy, or a combined buildings & contents policy.

What if I wasn’t insured at the time?

Please select ‘No insurance’.

What if no claim was made?

Please select ‘No insurance’.
£
This is the total cost of the claim as paid by the insurer. If a claim was not made, or no insurance was held at the time, then enter the loss amount to the best of your knowledge in whole pounds.
Add another claim Remove claim

Buildings insurance history

What if I’ve held buildings insurance for a long time but made a claim recently?

Please answer based on the time since you last made a claim. You should not include the time before the claim in your answer.

What if I used to hold buildings insurance, but not any more?

Please answer based on how long you’ve continuously held buildings insurance up to now. If there’s been a gap, you don’t need to tell us about the insurance before then.

Contents insurance history

What if I’ve held contents insurance for a long time but made a claim recently?

Please answer based on the time since you last made a claim. You should not include the time before the claim in your answer.

What if I used to hold contents insurance, but not any more?

Please answer based on how long you’ve continuously held contents insurance up to now. If there’s been a gap, you don’t need to tell us about the insurance before then.

About you

Title

What if the right title isn’t shown?

Please select the most appropriate answer from the options shown.

What if I’m filling this in for someone else?

Please provide the details for the policyholder - and make sure they are accurate.

First name

Can I use a nickname?

Please enter your full first name - although you can use a shortened version if that’s what you prefer to be called.

Surname

What’s a surname?

It’s also known as the last name or family name.

Date of birth

How should I enter the date of birth?

Please type in the birth day, then the month, then the year - using two digits, two digits and four digits respectively. So if the date of birth was 1st January 1980, you'd enter 01 01 1980.

What if more than one category could be chosen?

Please select the one which applies for most of the time. For example a full time parent with a part time job would choose 'Currently not employed - House wife/husband'.

Joint policyholder

What’s a joint policyholder?

A joint policyholder is a person living with you who is named on the home insurance as well as you. This could be your spouse or partner for example.

If you name a joint policyholder, we will be allowed to talk to them about this policy. We will also require their permission if you wish to cancel your policy after the cover has started.

Joint policyholder details

Title

What if the right title isn’t shown?

Please select the most appropriate answer from the options shown.

What if I don’t want to add a joint policyholder?

Please change your answer to ‘No’ on the joint policyholder question above.

First name

Can I use a nickname?

Please enter the full first name - although you can use a shortened version if preferred.

What if I don’t want to add a joint policyholder?

Please change your answer to ‘No’ on the joint policyholder question above.

Surname

What’s a surname?

It’s also known as the last name or family name.

What if I don’t want to add a joint policyholder?

Please change your answer to ‘No’ on the joint policyholder question above.

Date of birth

How should I enter the date of birth?

Please type in the birth day, then the month, then the year - using two digits, two digits and four digits respectively. So if the date of birth was 1st January 1980, you'd enter 01 01 1980.

What if I don’t want to add a joint policyholder?

Please change your answer to ‘No’ on the joint policyholder question above.

Interested party

What’s an 'interested party'?

If a mortgage or loan has been taken out to buy a home, the provider may ask to be named as an interested party on the home insurance. If you’ve been asked to declare an interested party on your policy, simply answer Yes to give us their details.

Interested party details

We'll add these details to your policy schedule, ready for you to print and post to your interested party as proof of your home insurance.

Name of interested party

Is this a person or a company name?

It could be either - but it’s more likely to be a company that’s provided a mortgage or loan.

What if I don’t want to add an interested party?

Please change your answer to ‘No’ on the interested party question above.

Building number or name

What address do you need?

Please tell us the address where the interested party is based.

What if I don’t want to add an interested party?

Please change your answer to ‘No’ on the interested party question above.

Building number or name

What address do you need?

Please tell us the address where the interested party is based.

What if I don’t want to add an interested party?

Please change your answer to ‘No’ on the interested party question above.

Building number or name

What address do you need?

Please tell us the address where the interested party is based.

What if I don’t want to add an interested party?

Please change your answer to ‘No’ on the interested party question above.

Building number or name

What address do you need?

Please tell us the address where the interested party is based.

What if I don’t want to add an interested party?

Please change your answer to ‘No’ on the interested party question above.

Postcode

What postcode do you need?

Please tell us the postcode for the interested party.

What if I don’t know the postcode?

The Royal Mail Postcode Finder can help. We’ll need the correct postcode to include the interested party’s details.

What if I don’t want to add an interested party?

Please change your answer to ‘No’ on the interested party question above.

Account or roll number

What’s this?

It’s the number of your mortgage or loan from your provider. They’re usually found on statements or paperwork the provider sends you.

What if I don’t want to add an interested party?

Please change your answer to ‘No’ on the interested party question above.
Paying for your insurance monthly costs more because of the cost of credit. This will be subject to status and affordability checks.

How would you like to pay for your policy?

If you'd like to make just one payment, choose 'single payment'. If you'd like to spread the cost of your policy over monthly instalments, choose 'pay monthly'.

If you choose to pay monthly, your insurance will cost more overall as it includes the cost of credit.

Email address

What's my email address for?

When you're insured with us we'll use your email as our first way of contacting you, plus you'll need it to view your documents securely online.
(optional)

Why do you need my mobile number now?

We may call to help you with your quote.

We'll need your preferred contact number when you're insured with us, but you can leave this blank if you don't have a mobile or prefer to not provide the number now.
(optional)

What if I don't have a promotional code?

If you don't have a promotional code, leave this blank.

We'd like to keep in touch

Once you've saved your quote it will be sent to you.

If it's ok with you, we'll contact you in the next few days to discuss your quote. We'd also like to check in again with you next year to make sure you've got the cover you need to keep you protected.

If you'd like us to contact you, please tick the boxes below to tell us how you'd prefer to hear from us, or you can simply choose not to tick any!


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