We’ve partnered with Uinsure to offer you their award-winning home insurance product. You can choose buildings insurance, contents insurance or both. Whichever policy you take, you’ll enjoy quality cover with a comprehensive range of features and benefits.
As standard, Uinsure will cover your buildings up to £1 million and your contents up to £75,000, with the option to increase cover to £100,000. They offer a one-year guarantee on home repairs carried out by insurer appointed builders, with an experienced claims and customer service team in the UK, providing help 24/7.
You’ll find more information about Uinsure’s home insurance product on the tables below including what’s covered under each policy and details of some of the exclusions that apply. Full details of cover, exclusions and restrictions can be found in Uinsure’s Policy Wording (PDF).
You can apply for a quote online, using the link on this page, or if you'd like to speak to a member of our team, request a call back.
| As standard | |
|---|---|
| New for old replacement of items |  |
| No cancellation or adjustment fees | |
| All repairs guaranteed for 12 months | |
| Only pay for the cover you want | |
| Buildings cover | |
|---|---|
| Loss or damage to your buildings from specific events, e.g. fire, theft, storm, flood, subsidence, escape of water, etc | £1 million |
| Accidental breakage of fixed glass in doors, windows and greenhouses, sanitary fittings and solar panels | |
| Accidental damage to your buildings e.g. putting your foot through a ceiling | Optional |
| Liability as the owner of your home | £2 million |
| Cost of alternative accommodation should your home become uninhabitable | £200,000 |
| Cost of sourcing and making good a leak in your property (Trace & Access cover) | £1 million |
| Contents cover | |
|---|---|
| Loss or damage to your contents from specific events e.g. fire, theft, storm, flood, subsidence, escape of water, etc | £75,000 with the option to increase to £100,000 |
| Accidental damage to computer equipment (but not portable items such as laptops), TV’s, videos, DVD players, etc | |
| Accidental damage to your contents e.g. spilling wine on the carpet | Optional |
| Cover for high risk items | £20,000 (included in the contents sum insured) |
| Cover for items taken away from the home (such as handbags, jewellery and mobile phones) | Optional |
| Cover for money in the home | £750 |
| Cover for items left in the open in your garden | £1,000 |
| Cover for items stolen from a shed or garage | £5,000 (limit of £2,500 per outbuilding) |
| Student belongings | £5,000 (limit of £1,000 per item) |
Uinsure will provide up to £1,500 cover for each home emergency with no annual maximum: Emergencies such as boiler breakdown, burst water pipes or a blocked toilet, pest infestations, lost or stolen house keys, failure of electrical power or gas supply, roofing problems, broken or damaged windows and doors that are a security risk. They will also contribute £500 towards a new boiler if it cannot be repaired.
Home Emergency Cover does not cover normal day-to-day maintenance on your home and exclusions do apply, for example Uinsure will not cover damage to roofing over 10 years of age or where the roof has not been satisfactorily maintained. A full list of exclusions can be found in Uinsure’s Policy Wording (PDF).
The policy provides cover up to £150,000 for professional fees in the following areas: Property rights, employment disputes, pursuit of civil claims for personal injury or death, consumer disputes and defence, probate, tax investigations and property damage.
Exclusions do apply, for example, Uinsure will not cover any legal action if there are not prospects of success. This is where the likelihood of winning is less than 51%. There are also some restrictions including qualifying periods which must be met before raising a claim. Full details can be found in Uinsure’s Policy Wording (PDF).
We’ve put together a list of frequently asked questions about Uinsure’s home insurance policy, from general information about what’s covered to making a claim.
You can get a quote for Uinsure’s award-winning home insurance product online in minutes. Input your details to see how much you could save on your home insurance.
In partnership with Uinsure
Marsden Building Society acts as an introducer to Uinsure. Uinsure Limited is authorised and regulated by the Financial Conduct Authority (No 465689), Registered address: Uinsure Limited, Po Box 5524, Manchester M61 0QR
We want to provide the best service possible, so if you have any questions, get in touch. You can contact us by phone, visit us in branch or email us – we’ll be happy to help.
01282 440500 * 
