Over 60s Home Insurance

Over 60s Home Insurance

You might be spending more, or even less time at home now, enjoying the freedom retirement brings. Either way, over the years you have put a lot of money into your home, be it adding a conservatory, or converting your loft into a bedroom en suite. But let’s not forget you have probably bought a lot of things over the years too, be it jewellery or the odd designer handbag. Luckily Sheilas’ Wheels offers both buildings and contents insurance, which is rated 5 Stars by independent financial researcher Defaqto. So when you insure your home with us you know you’re getting quality cover. Plus all our call centres are UK based, full of friendly staff who are ready and waiting to help you with any queries you have.

How do buildings and contents insurance differ?

Buying home insurance can be quite confusing, first of all you need to work out how much cover you need, and then you have to choose the right policy that meets your needs. If you own your own home, you’ll probably need buildings insurance as it covers things that are structural, for example the walls, ceilings, and any fixtures and fittings like your bathroom suite and kitchen. Contents insurance on the other hand covers your possessions and soft furnishings, like carpets, curtains, and sofas, so this type of cover can be useful for you even if you’re renting.

What does home insurance for over 60s home insurance look like with Sheilas’ Wheels?

If you’ve been spending your retirement shopping or investing in a new hobby, you might be thinking more about contents insurance and whether you have the right level of cover in place. With Sheilas Contents Insurance you get:

New for old content cover - no shabby substitutes, we'll replace all covered items as new
Garden contents - up to £2,000 to cover you for things like pinched potted plants, tools and furniture
Personal money - up to £750 of you total sum insured to cover lost or stolen cash
Special Events cover - We'll automatically raise your contents cover for up to four weeks before and after a special event, such as religious festivals (up to 15% extra cover) and weddings/births (up to 10% extra cover)
Freezer and fridge contents - up to £1,000 for an impromptu grocery shop if your fridge or freezer breaks

Limits may apply, please check our policy booklet.

What does home insurance for over 60s look like with Sheilas' Wheels - Buildings Insurance

Unlimited buildings cover - so you don’t have to worry about being underinsured
Alternative accommodation cover - up to £75,000
Fixtures and fittings - from kitchens to bathrooms we aim to cover all your fitted suites if they are damaged by an insured event
External door locks - up to £1,000, if your keys are lost or stolen you'll be covered for the cost of replacing them and installing locks on any external doors

Limits may apply, please check our policy booklet.

What events does Sheilas’ Wheels cover?

If your property or possessions are damaged by these specific events, you could make a claim. To find out more please read our policy booklet.

•   Damage caused by fire
•   Falling branches or trees that cause damage to your property or possessions
•   Malicious damage caused by another person, or vandalism
•   Explosion
• Damage as a result of burst or leaking pipes - this includes water tanks, washing machines,
dishwashers, radiators or other fixed heating systems
• Damage as a result of oil leaks
•   Theft or attempted theft
•   Subsidence

What can affect what I pay for over 60s home insurance?

Home insurance prices can vary greatly, and it’s not just down to size and location. The materials your house is built from can affect what you pay, and can even determine if you get a quote or not (Sheilas’ Wheels for example won’t insure properties that have a thatched roof).

Can I increase my cover?

We like to give our customers the choice of enhancing their cover if they want to with our Optional Extras. At the moment the extra cover you can buy includes:

Pest Cover – we cover exterminations up to £150 for mice, rats, and grey squirrels. Visit our pest cover page for more information.

Home Emergency Cover – no more ringing around for out of hours contractors when home emergencies happen, make one call and we’ll aim to get your problem sorted as soon as possible. Your No Claim Discount will be unaffected. For more information please read our home emergency cover page.

Family Legal Protection – legal cover for up to £50,000 (up to £10,000 for employment disputes) for the whole family, plus you get exclusive access to a 24/7 legal advice line For more information please read our family legal protection page.

To find out more about what we cover please read the policy booklet.

Optional Extras

Family Legal Protection	Home Emergency Cover
Access to expert lawyers with up to £50,000 legal costs (up to £10,000 for employment disputes) covered for you and your family. No Claim Discount not affected.	One call to us and we’ll arrange for a contractor to visit your home and carry out the emergency repairs. Call-out charge, labour cost, parts and materials to a limit of £500 (including VAT) subject to a £25 excess.

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