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FAQ | Property Policy Pre April 2016 Post April 2016| Key Facts

Cheap Home Insurance at Portwood's

  •  Insure 50,000 home contents and either 300,000 or 500,000 Home Buildings from 100 + IPT (50 + IPT for buildings only or contents only)

  • Extend insurance policy to cover all-risks on valuables and electrical items (laptops/ i-phones etc).

Do you qualify for the Home insurance policy?

  • The home must be in the UK of standard construction, in good condition, built after 1700, not listed and not in a flood or subsidence area. There must not be more than 5 bedrooms (or rooms that were once bedrooms).

  • You must not need more than 50,000 contents cover, 300,000 (1-3 bedroom) or 500,000 buildings cover

  • If your valuables exceed 16,667 or any single value exceeds 5,000 then the full value will not be paid in the event of a claim (valuables exceeding 5,000 can be insured under the personal possessions section - receipts will be required).

  • There must not have been more than ONE claim, not exceeding 5,000 in the last three years.

  • Unless a first-time buyer, the previous policy must have expired within the last 30 days.

  • A full detail of requirements will appear on the results page.

  • (Insurance Quotes are available for buildings up to 1,000,000 and contents up to 150,000 on our alternative policy.

If you do not qualify Click here for a sum insured quote - otherwise - let's get you covered!

Rating Factors

Postcode of property
Age of proposer (If more than one proposer then the older person)
Type of Property (A 'scottish flat' (or 'Gateshead flat') are one of a pair of properties above each other with separate entry doors)
Number of Bedrooms: at least A room counts as a bedroom if originally designed as such - even if now used for another purpose.
Year Built
Professional alarm system?   The professional alarm system must be under maintenance - otherwise answer 'No'
Is accidental damage needed  
Years no claims bonus.  Contents  Buildings
Policy covers wanted
Standard Excess Required There is a standard 1000 for subsidence.
Claim DeclarationWhen was the incident?  
Cirumstances of claim (if any)

Additional covers

The standard excess applies. This is 'all risks' cover.
Personal Possessions Unspecified non electrical items - maximum single article limit 2,000.00
Covers valuables and portable electronic goods (if selected) in the home and outside (including 60 days worldwide cover) against accidental loss or damage. Items over 2,000 need to be specified and a receipt/ valuation provided.

Any items listed here will be covered in addition to the 50,000 basic sum insured.

NB Portable electrical items cannot be listed separately and cover is only available under the 'Unspecified Electrical Items'

Unspecified Electrical Items
Description
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Total Personal Possessions The maximum sum for all possessions (specified and unspecified) is 25,000.00
Money (No Excess)t>   Covers 300 money in the home and 400 abuse of credit cards - costs 4.40 (inc IPT)
Increased Frozen Food (No Excess)   Covers food in the freezer should it spoil due to certain failures of power supply. 500 cover is provided free. Automatically
Sports Equipment Standard excess applies : Includes 60 days worldwide cover : excludes breakage in use.
Pedal Cycles (up to 4) Description
Description
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Total Pedal Cycle Cover Standard excess applies : Indemnity cover only: Restricted to British Isles
Family Legal Expenses   See section 8 of the policy - additional premium = 18.00 Refer to wording re excesses.

(Quote assumes same no claims bonus on both buildings and contents and that the same excess is required)'