Assumptions
We are able to provide you with a quote if you have exchanged contracts, have an agreed completion date that is within the next 90 days and can agree to the following assumptions.
The home for which insurance is proposed:
- is my main residence
- is built of brick, stone or concrete
- has a roof built of slate, tile, asphalt or concrete
- is self contained having its own separate lockable front door
- is occupied solely by me, my family permanently living with me, or any joint named policyholder as permanent residence
- is used as a private residence and not as business premises
- is in a good state of repair and will be maintained in this state
- is not occupied as a holiday home
- is not a listed building
- is not regularly unoccupied throughout the night
- is not unoccupied for a period in excess of 60 consecutive days
- has never been damaged by flood
- has never been damaged by subsidence, heave or landslip
I or any member of my family living permanently with me or any joint named policyholder have not:
- made more than one contents claim and/or more than one building claim or suffered any loss or damage on home insurance within the last 3 years
- had any claim(s) made against us within the last 3 years
- had a burglary at the address being proposed for insurance within the last 3 years
- had home insurance cancelled, refused or renewal refused
- been asked to pay an increased premium (other than normal rating increases) or asked to accept any special conditions or had any special terms imposed
- been convicted of any criminal offence (other than motoring convictions) or have any prosecution or police enquiry pending
- received a police caution in connection with an insurance policy/claim
- got one of the following occupations: actor, actress or presenter in films, stage, TV or radio, music or other performing arts, professional sportsperson including trainers and managers, non UK armed forces diplomatic staff, or connected with gaming, nightclubs, circuses, fairgrounds, amusements, street trading, scrap waste, second hand dealing, jewellery or antique dealing, licensed premises
