An award-winning home insurance product
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).
| 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 |
What is not insured?
| 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). |
| 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) |
What is not insured?
| 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). |
Optional extras
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.
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
Marsden Building Society acts as an introducer to Uinsure. Uinsure Limited is authorised and regulated by the Financial Conduct Authority (No 463689). Registered address: Uinsure Limited, Po Box 5524, Manchester M61 0QR.