Home Insurance UK - Questions & Answers

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Questions

Welcome to Financial Services Network's UK home insurance questions & answers pages. We have divided our questions into four major subject areas:

• General questions.
• Which home insurance company will give me the best deal (full page answer & tips).
• What is and isn't covered.
• Home improvements & buying new items.
• Making claims.
• What is the difference been buildings and home contents insurance?

General Questions

Includes:

• What will I get from my home insurance policy as standard?
• Will I have a choice of ways to pay?
• How do I renew my home insurance?

   

Questions about what is and isn't covered by your household insurance policy.

Includes:

• How much should I insure my contents for?
• Are my personal possessions covered when I take them out of my house?
• What happens if I take them outside the UK?
• Will my bike be covered under my home insurance policy?
• If I bought something second hand, or have had it for several years, how much will the insurance company pay out if it is destroyed or stolen?

 

Questions about making alterations to your house, or buying new items.

Includes:

• I've recently renovated the kitchen in my house. Should I let my insurer know?
• I am having a new conservatory added to my house. It has level 5 door locks, window locks, and toughened glass Will this make my insurance premiums go up?
• I've just had my garden re-landscaped. It cost £2000.00 will this be covered by my home insurance?
• I have just set up an AV room, Windscreen plasma TV, DVD, and Cinema speakers. Do I need to tell my insurance company?
• I've just had my garden re-landscaped. It cost £2000.00 will this be covered by my home insurance?
• I have converted the box bedroom into a home office. It has my computer printer/fax in there. Do I need separate cover?

 

Questions regarding making insurance claims.

Includes:

• Will I have to pay excess if I make a claim?
• I was doing some DIY and spilt paint all over my sofa and carpet. Am I covered?
• I was putting up some new shelves and drilled through a pipe that I didn't know was there. Will I have to pay for the damage?
• How do I make a claim?
• How much would it cost to rebuild my home?