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Yes, you can insure a property you don’t own, but specific conditions must be met. The insurance policy is generally intended for the person or people listed as the policyholder(s). However, insurance coverage can be extended to individuals who have a significant legal interest in the property, such as in cases where contracts have been exchanged for a sale, or when you’re a tenant with a financial interest in the property. If you wish to insure a property you don’t own, it is crucial to inform us and ensure your policy accurately reflects your situation. Misrepresentation of ownership or interest in the property could result in issues with claims or the overall validity of the policy.

Intelligent Insurance home policies include an element of FREE Home Emergency cover as standard. Under this policy you are covered up to £250 for an emergency callout, with a maximum claims limit of £500 per year. Cover includes: 24 hour helpline Plumbing Drainage Internal electrics Pests Internal gas pipes Roof damage

Understanding the distinction between excess and voluntary excess is essential for navigating your home insurance policy: Excess Defined An excess is the amount you must contribute towards a claim before your insurer covers the remaining costs. It consists of both compulsory and voluntary components. Compulsory Excess This is the mandatory amount set by your insurer, automatically applied to every claim. It is non-negotiable and forms part of the total excess. Voluntary Excess Unlike compulsory excess, this is an optional amount you can choose to pay voluntarily in addition to the compulsory excess. Opting for a higher voluntary excess may lower your premium but increases your upfront contribution in a claim. Combined Impact In the event of a claim, both compulsory and voluntary excess amounts are combined. For example, if the compulsory excess is £200 and you choose a voluntary excess of £100, you would pay a total excess of £300. Premium Considerations Selecting a higher voluntary excess might lead to a reduced premium, but it’s crucial to weigh the potential savings against your ability to cover the higher excess during a claim. Summary Being knowledgable on the differences between excess and voluntary excess empowers you to make informed decisions when customising your home insurance policy. Consider your risk tolerance and financial capacity before choosing a voluntary excess amount.

Understanding the excesses on your home insurance policy is crucial for informed decision-making. Here’s what you need to know: Varied Excess Structures The excesses you’ll encounter depend on the insurer providing your policy. Each insurer may have different structures for excess payments. Policy-Specific Information To access detailed information about the excesses applicable to your policy, refer to your quote or policy schedule. These documents outline the specific excess amounts you’ll be required to pay in the event of a claim. Comprehensive Details Your quote or policy schedule provides a comprehensive overview of the excesses, ensuring transparency and clarity regarding your financial responsibilities in case of a claim. Policyholder’s Responsibility As a policyholder, it’s essential to be familiar with the excess details outlined in your policy documentation. This knowledge empowers you to navigate the claims process confidently. For a thorough understanding of the excesses associated with your home insurance policy, review your quote or policy schedule. If you have any questions or need clarification, don’t hesitate to reach out to your insurer for assistance. Note: The information provided in your quote or policy schedule is specific to your policy and insurer, offering personalised insights into excess structures.

The process of progressing a claim without upfront payment of the excess depends on the insurer and the nature of the claim. It’s essential to understand how insurers and their representatives manage this aspect, as Intelligent Insurance doesn’t directly handle claims. Here’s what you need to know: Varied Practices Insurers may have different practices regarding upfront payment of excess. The claims handler assigned to your case will provide specific details based on the type of claim. Claims Process Explanation Upon reporting a claim, the claims handler will guide you through the process and clarify whether upfront payment of the excess is required. This ensures transparency and helps you understand the steps involved. Insurer’s Decision The insurer ultimately decides when and how the excess is paid. Familiarise yourself with the claims process for a smoother experience when progressing your claim. For detailed information on the claims process, including excess payment, consult with the claims handler assigned to your case. They will provide guidance tailored to your specific situation and type of claim. Please note that claim handling practices may vary, and it’s advisable to refer to the policy documentation for comprehensive details.

Yes you can.  You may not wish to insure your contents, or your contents policy may be due at a different time to your buildings policy. However, if you are buying both contents insurance and building cover, we would always recommend purchasing the two policies together.  Most companies will offer a discount for combining the two elements, but purchasing both together is not essential.

All policy documents are stored in My Account New Policy – available within a few minutes following purchase of a new policy Renewal invitation documents – available around 25 days before your renewal date Renewal confirmation – available within 1 working day of paying for your renewal Quote documents are also stored in My Account and you can access these selecting Retrieve Quote and registering for My Account