We're here to help
Telephone icon 01282 440500 *

Home Insurance FAQs

Marsden colleague on laptop browsing list of FAQs to help a customer

We’ve partnered with Uinsure, to offer you their award-winning home insurance product. You can find out more about Uinsure’s policy and how to get a quote by visiting our home insurance page. Below you’ll find some frequently asked questions about their product to help you with your decision.

Home insurance cover comes in two parts – buildings insurance and contents insurance. You can choose either one or both of these based on your needs. Buildings insurance protects the structure of your home, including walls, roof, permanent fixtures and fittings, while contents insurance could protect your belongings against problems like theft, damage and loss.

If you’re a homeowner, most mortgage lenders insist you have buildings cover in place.

We’re partnered with Uinsure to provide you with award-winning insurance. Visit our home insurance page to find out more and get a quote today.

Most insurers offer a discount if you purchase buildings & contents cover as part of a combined policy, so it may be cheaper to buy them together from one provider.

Your age, where you live, property type, insurance premium tax, and previous claims are all factors that could contribute to the calculation of your home insurance premiums.

You can amend, or cancel your policy at any time, free of charge.

Uinsure cover your buildings up to £1 million as standard to protect against loss or damage to the structure of your home. Your contents are covered up to £75,000, with the option to increase this to £100,000.

Uinsure offer a one-year guarantee on home repairs carried out by insurer-appointed builders.

Yes, Uinsure’s experienced claims and customer service teams are all UK-based and help is available 24/7

If you wish to make a claim, call Uinsure’s claims team on 0330 102 6023 and they will be happy to help 24 hours a day. Please remember to have your policy number to hand and be able to explain what has happened to the advisor.

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).

Our UK bases customer services team are available Monday – Friday, 9am – 5pm and can be contacted on 0330 100 9602.

Buildings cover

There is no legal requirement for someone with no mortgage to have buildings insurance. This is the choice of the individual.

Uinsure home insurance offers £1 million in buildings cover to all customers as standard if their home needs to be rebuilt.

Some insurers will ask you to specify a rebuild cost for your property and this can be hard to define. To address that problem, Uinsure offer a blanket £1 million rebuild cost which is suitable for the vast majority of customers and reduces the risk of being under-insured.

Not automatically. Uinsure will cover accidental breakage to fixed glass, ceramic hobs built into cookers that are permanent fixtures in your home, sanitary fixtures and fittings in your home. For an additional premium, you may extend your cover to include their extended accidental damage cover option.

This policy is designed to insure your contents against damage cause by unintended mishaps, such as spilling wine on a carpet, knocking over an ornament, or burning a sofa with a cigarette.

Uinsure are not currently able to offer cover to customers for listed buildings. However, this is something that can be looked into by the Uinsure non-standard team.

No. Uinsure will only cover properties that are in a good state of repair.

There are exclusions under Uinsure’s buildings cover. These include;

  • Any loss or damage caused by anything that happens gradually including wear and tear (i.e. if a gutter is blocked and damp appears over a period of time).
  • Loss or damage under a number of sections of your policy if your home is left unoccupied for more than 60 days.
  • Malicious damage, theft or attempted theft caused by you, your family, domestic staff, lodgers, paying guests or anybody lawfully in the property.
  • Loss or damage to gates, fences and hedges during a storm.
  • Loss or damage caused by a weather event that does not meet the definition of storm in the policy wording (as most properties should be able to withstand normal weather conditions).
  • Loss or damage caused by chewing, scratching, tearing or fouling by domestic pets.
    Escape of water as the result of taps being left on (this may be covered if you have added Accidental Damage Cover).

Details of what is insured and what is not insured under Uinsure’s buildings cover can be found in their Policy Wording (PDF).

Contents cover

Contents insurance covers the possessions in your home such as furniture and clothes. It generally covers damage due to fire, lightning, explosion or earthquake, theft (or attempted theft), riots or vandalism, storms or flooding, falling trees, moving objects (such as a car hitting your home) and escaping or leaking water or oil.

Contents insurance covers the items you would take with you if you were to move e.g. furniture, clothes electrical items.

Although not mandatory, contents insurance is available to cover your possessions. Your landlord however, is responsible for ensuring that you home has buildings insurance.

Yes, there is no claim limit within the home. If you make a claim for your mobile phone or other electrical device outside of your home, the limit is £500.

The maximum that you can specify for any one item is £15,000. This will go towards your high-risk property limit and must be specified on the policy.

Items individually valued over £2,500 are included in the high-risk property limit and must be specified on the policy. If your maximum claim limit for contents is £75,000, then you will have £20,000 high-risk property limit. If your maximum claim limit for contents is £100,000, then you will have £30,000 high-risk property limit. The replacement value of all high-risk items within the home must not exceed these figures.

Yes, Uinsure offers £1,000 cover for items left in your garden. There is also a £5,000 cover for items stolen from a shed or garage (limit of £2,500 per outbuilding).

There are exclusion under Uinsure’s contents cover. These include;

  • Any loss or damage caused by anything that happens gradually, including wear and tear (i.e. a fridge or washing machine breaking down).
  • Loss or damage under a number of sections of your policy if your home is left unoccupied for more than 60 days.
  • Malicious damage, theft or attempted theft caused by you, your family, domestic staff, lodgers, paying guests or anybody lawfully in the property.
  • Loss or damage caused by a weather event that does not meet the definition of storm in the policy wording.
  • Loss or damage caused by chewing, scratching, tearing or fouling by domestic pets.
  • Escape of water as the result of taps being left on (this may be covered if you have added Accidental Damage Cover).

Details of what is insured and what is not insured under Uinsure’s contents cover can be found in their Policy Wording (PDF).

Home Insurance

Home Insurance

Woman hugs girl in the kitchen of her home insured by Marsden Building Society and Uinsure

Find out more about Uinsure’s home insurance policy on our product page, including details of cover limits and optional extras.

View Home Insurance
Get a quote today

Get a quote today

Smiling woman gets a home insurance quote from Uinsure via Marsden Building Society in the comfort of her home

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.

Get a quote (External)

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

Uinsure Logo Purple
Watermark of a rose

Sign up to our
e-newsletter

If you’d like to find out about our latest news, products and services, sign up to our e-newsletter. We won’t bombard you with emails and we’ll always treat your personal data with care.

Your privacy is important to us and we’ll ensure that your details are accurate and kept up-to-date. View our Privacy page.