Buildings & Contents
Protects the structure of your property and its permanent fixtures and fittings as well as the contents insude your home
To ensure that you have the best cover in place, we refer clients to specialists in this field. Please fill out the form below and we will ask them to get in touch at a time convenient to you.
Buildings and contents insurance is via referral to our trusted partner, Nest GI, who are experts in their field.
What is Buildings Insurance?
Buildings insurance covers the cost of repairing damage to the physical structure of your property. Garages, sheds and fences are also covered, as well as the cost of replacing items such as pipes, cables and drains. Your insurance should cover the full cost of rebuilding your house.
Is it a legal requirement to have Buildings Insurance?
If you have a mortgage, then it is a condition of the mortgage that you have Buildings Insurance in place for the duration of the mortgage term.
If you don't have a mortgage, we would still strongly recommend that you have Buildings Insurance so that should your home get destroyed, you can ensure it is rebuilt.
When should I start my Buildings Insurance policy?
If you're buying a property, then we would recommend that you have Buildings Insurance in place for exchange of contracts.
What is Contents Insurance?
Contents insurance covers the cost of replacing or repairing your possessions if they are damaged, destroyed or stolen. It includes everything you would take with you if you moved home including your furniture, kitchen appliances, curtains, bedding, clothing, television, computing equipment and jewellery.
Is it a legal requirement to have Contents Insurance?
In short, no it isn't - but we would strongly recommend that you insure your contents as the cost to replace them quickly adds up.
Can I get a combined Buildings and Contents Insurance policy?
Absolutely. We would strongly recommend that you protect both the building and its contents.
Why do you refer to Nest GI?
Quite simply, this is their area of expertise - they live and breathe general insurance day in and day out. They offer a fully advised, fee-free service, delivering the high level of knowledge, skill, and support we expect for our clients. They also have access to specialist solutions for more complex risks, including harder-to-insure properties and commercial cover.
I already have cover in place, why should I speak to Nest GI mid-policy?
A lot of people let their insurance renew with the same provider every year. Sometimes this means that your cost has increased above what other providers may be able to offer. Other times, life has moved on, you have made changes to your property or have individual items e.g. jewellery or a bike that you would want covered by your policy.
Furthermore, Nest GI will pay any cancellation fees to your old provider when you take cover with them. Most of the insurers that Nest GI deal with also don't charge for admin changes and offer interest-free monthly payments.
What about my No Claims Bonus, would that be affected if I change insurer mid-policy?
In short, no. Your cover would still be continuous.
How do I apply for cover?
Fill out the short form below and we will ask Nest GI to get in touch with you.