Home Insurance

Some insurers provide a discount for Seniors’ policyholders while others do not. A Seniors’ age discount alone from an insurer may not result in the best value option for you.
When we enter your details into our online electronic premium calculation system we include your  age and other important rating factors so we obtain the  most competitive price according to the all the factors that affect the premium cost – not just your age.

Question: Does my policy cover Contents away from Home?

Answer

We can offer a Gold Home policy that provides cover worldwide automatically for any personal property temporarily removed from the premises. Refer to our Home section of this website for an explanation of this policy.

Question: I have some valuable jewellery – do I need to cover these items separately?

Answer

There are certain types of items such as valuable jewellery that need to be specified on a Home Contents policy to provide full cover beyond the standard policy limit. To specify an item on your policy you need to provide a recent certificate of valuation or similar documentary evidence of its value. Check our Home insurance section for details of the cover limitations.

Question: I work from home and have an office with a computer and furniture – is this covered by your Home insurance?

Answer

Our Home policies automatically cover Office furniture and equipment on the premises subject to certain value limitations. However you need to arrange Public Liability insurance in connection with your business as your Home policy does not cover legal liability arising out of earning an income (except babysitting).

Question: I’m aged over 55 – do you provide me with a discount?

Answer

Some insurers provide a discount for Seniors’ policyholders while others do not. A Seniors’ age discount alone from an insurer may not result in the best value option for you.
When we enter your details into our online electronic premium calculation system we include your  age and other important rating factors so we obtain the  most competitive price according to the all the factors that affect the premium cost – not just your age.