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You have the option to enhance your legal coverage by adding legal expenses plus cover to your Intelligent Insurance home insurance policy. The cost for this additional protection is £25.00 per year or a budget-friendly £2.34 per month. Comprehensive Legal Support By opting for legal expenses plus cover, you expand the scope of your legal protection, ensuring comprehensive support for various situations that may arise. This cost-effective addition enhances your overall insurance coverage, providing peace of mind and financial security. Flexible Premium Payment The annual cost of £25.00 or the monthly option of £2.34 allows you to manage your budget effectively while enjoying the benefits of extended legal coverage. This flexibility empowers you to tailor your policy to align with your specific needs and preferences. Summary By considering the affordability and advantages of legal expenses plus cover, you can make an informed decision about enhancing your policy for comprehensive legal support.

Yes, your insurance extends to cover the contents of your fridge and freezer, protecting the value of the items stored in these appliances. In the event of unforeseen circumstances leading to damage or loss, your insurance is designed to compensate up to the specified limit. Standard Coverage Value As part of our standard coverage, it covers the value of fridge and freezer contents up to £750. This baseline coverage ensures that your appliances store a range of items, such as perishable food items, with compensation available in case of an incident. Assessing Coverage Adequacy You should assess the value of the contents in your fridge and freezer to determine whether the standard coverage aligns with your needs. Homeowners with higher-value items or larger quantities of stored food may consider exploring options to enhance this coverage. Flexible Coverage Options Understanding that individual needs vary, our insurance provides flexibility. Homeowners can explore additional coverage options or adjust limits to better suit their requirements. This ensures a personalised approach to insurance that aligns with the specific circumstances of each household. Claiming for Damaged or Lost Contents In the unfortunate event of damage or loss to the contents of your fridge or freezer, the claims process is designed to provide timely and efficient compensation. Familiarise yourself with the claims procedure for a smoother experience should the need arise. Summary By exploring the coverage for the contents of your freezer, you actively assess the adequacy of standard coverage and make informed decisions about adjustments based on the value of your stored items.

Intelligent Insurance policies offer comprehensive coverage for damages to contents resulting from various events, ensuring your belongings are safeguarded in diverse scenarios. The covered incidents include: Fire Riot, civil commotion, labour or political disturbances, and strikes Malicious damage Impact from aircraft, vehicles, or trains; falling aerials or masts; falling trees or branches; animals Storm, flood, or weight of snow Subsidence or ground heave of the site where the buildings stand, or landslip Escape of water from, or freezing in any fixed domestic water or drainage installation, heating installation, washing machine, dishwasher, fridge, freezer, or water bed Theft or attempted theft Escape of oil from a fixed, domestic, oil-fired heating system Additional Benefits Include In addition to the core coverage, Intelligent Insurance goes beyond, offering a range of additional benefits to enhance your protection: Accidental loss of metered water or oil Damage to food in the fridge or freezer Alternative accommodation Replacement locks and keys Change of address – contents cover Contents in transit Death benefit Damage as a tenant Increased cover for special events Loss of use of broadband / internet Contents at university and guests’ contents Shopping in transit Theft by bogus official Medical equipment on loan Jury service – loss of earnings Damage by emergency services Electronic data Contents temporarily away from home With Intelligent Insurance, you enjoy comprehensive protection, ensuring your peace of mind in a wide range of situations. Call us on 0333 311 1110, speak to us via chat, or get your quote directly online.

Choosing the right level of personal belongings cover is crucial for comprehensive protection. Our policies offer the flexibility to select coverage up to £20,000, allowing you to safeguard your belongings with confidence. Tailoring coverage to your needs Whether you have a modest collection of personal items or high-value possessions, our customisable options ensure that you can tailor the coverage to suit your unique requirements. This way, you have the peace of mind that comes with knowing your belongings are adequately protected. Specifying high-value items In situations where you own individual items surpassing £2,000 in value, our policy allows for their separate specification. By doing so, you ensure that these high-worth belongings receive the specific attention and coverage they deserve, contributing to a more comprehensive and personalised insurance solution.

When it comes to Home Emergency cover, it’s essential to grasp the details of your policy. Under the standard Home Emergency coverage, you have the flexibility to make claims, each with a maximum limit of £250 per emergency. This means you can address various unexpected home emergencies, from boiler breakdowns to plumbing issues, with financial support. Annual Cap for Standard Coverage For standard coverage, there’s an annual cap in place to ensure a balanced usage of your coverage. You can make claims up to a total of £500 in any given year, offering a reasonable limit for addressing emergency situations. Enhanced Protection with Home Emergency Plus For those seeking extra protection, Home Emergency Plus offers an elevated level of coverage. This enhanced plan increases the limit per emergency claim to £1,000. Simultaneously, the total claims limit within a single insurance period is £1,000, delivering comprehensive protection for various emergencies. Navigating Unforeseen Home Situations Understanding the limits of your Home Emergency coverage empowers you to navigate unforeseen situations with confidence. Whether you choose standard coverage or opt for the enhanced Home Emergency Plus, Intelligent Insurance is dedicated to providing comprehensive solutions tailored to your needs. Summary Feel secure in the knowledge that your Home Emergency coverage is designed to offer financial support when you need it most, ensuring peace of mind for unexpected home emergencies.