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When do you need your cover to be in place?

In most cases, you can be insured immediately online. If you don't want to be insured straight away, then that's no problem. You simply enter a future date you want the insurance to start.

Are there any circumstances that may mean you cannot get Home & Contents Insurance?

Yes. If your property is in an area which experiences frequent flooding or land slip you will find it hard to obtain insurance. Flats in high-rise blocks and properties in certain parts of the country may also experience problems obtaining cover.

How Do You calculate the value for your Contents Insurance?

Ideally you should compile a detailed and thorough inventory of all your contents. This enables you to work out how much to insure for and, if you have a claim, your claim will be settled so much quicker.

What is Index Linking and should you have it?

Index Linking means that each year the insurance company will automatically increase the sums insured under your policy to reflect changes the country's rate of inflation.

Are There Any Situations That Would Result In Your Claim Being Refused?

First of all please ensure that you answer all the online questions accurately. If you don’t then the insurance company is entitled to refuse any claim.