Comprehensive Outbuilding Coverage In general, yes! Moreover, Intelligent Insurance values your outbuildings and includes them in the quote process. Standard coverage extends up to £40,000 for each outbuilding, ensuring protection for these auxiliary spaces. Tailored Building Insurance Furthermore, for those requiring additional coverage, Intelligent Insurance offers the flexibility to extend building insurance beyond the standard limit. This allows homeowners to customise their coverage according to the value and usage of their outbuildings. Policy Date Considerations For policies purchased before 01/12/2018, note that coverage for each outbuilding is up to £10,000. It’s essential to be aware of the specifics related to your policy date to ensure accurate information during the quote process. Information Required To provide the best coverage, Intelligent Insurance will inquire about the type of outbuilding structure, its construction, and its usage. This detailed information allows for a precise assessment of your outbuilding insurance needs. Defining Outbuildings Understanding that an outbuilding is a structure separate from the main home, used for domestic purposes, is crucial. However, this definition excludes certain structures, such as those open on one or more sides, those lacking a permanent foundation, treehouses, inflatable buildings, or structures made from non-rigid materials. Summary By delving into these specifics, Intelligent Insurance aims to offer tailored coverage, ensuring that your unique outbuilding requirements are met with precision and care.

You cannot change the policy but you can let us know of the changes you wish to make online by completing our amend policy form. To make this as quick and efficient as possible, include in the form as much detail of the change as possible. For example if you have renovation work planned, we would need to know when its starting, how long it’s expected to take, the total value of the works, whether you will live there during the renovation, and what is going to be changed or added to the property (including what is involved in each stage of the renovation i.e. electrics, plumbing, building etc). We would also need to know what the revised rebuilding cost would be.

Absolutely! Where possible, we will invite you to renew by logging into My Account. You can view and accept your renewal offer from there. If you need to make changes to your policy, you will need to contact us first so we can verify your renewal offer with the changes included.

Yes, Intelligent Insurance home policies come with a complimentary element of FREE Family Legal Protection cover, providing essential legal support. Here are the key details: Coverage Limit You are covered up to £25,000 per claim, offering substantial financial protection in legal matters. Covered Areas Consumer Pursuits: Assistance for legal matters related to consumer rights and pursuits Consumer Defence: Legal protection in consumer defense cases Property Damage: Cover for legal issues arising from property damage Property Sale & Purchase: Assistance in legal matters concerning property transactions 24/7 Legal Helpline: Access to a dedicated 24/7 legal helpline ensures you have guidance and support whenever you need it Summary Having legal expenses cover included in your home insurance provides peace of mind, knowing that you have support in various legal situations. Please refer to the policy book for detailed terms, conditions, and exclusions.

Policies that are paid annually by card do not renew automatically, they will lapse on expiry date of the policy if we don’t receive a payment from you by this point. You don’t need to tell us if you no longer need the insurance from renewal e.g. you’re moving abroad, as it will lapse.