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Premium Credit is the UK’s leading insurance premium finance company. Learn more about them at their company overview.

Understanding the impact of a voluntary excess on your home insurance premium is crucial for making cost-effective decisions. Here’s what you need to know: Insurer Variation The effect of a voluntary excess on your premium varies among insurers. In many cases, opting for a higher voluntary excess can lead to a reduction in your overall premium. Premium Reduction Potential When you choose a voluntary excess, insurers may offer lower premiums as you are agreeing to contribute more towards the cost of any potential claims. Financial Considerations While a higher voluntary excess can lead to premium savings, it’s essential to assess your financial capacity. Ensure you can comfortably cover both the voluntary and compulsory excess amounts if a claim arises. Risk and Savings Balance Finding the right balance between the savings gained through a reduced premium and the potential financial burden in case of a claim is key. Evaluate your risk tolerance and financial situation before deciding on a voluntary excess. Insurer Guidance Consult with your insurer to understand how different voluntary excess amounts may impact your premium. Insurers can provide personalised insights based on your specific circumstances. Summary Making an informed decision about a voluntary excess involves considering both potential premium savings and your ability to cover excess amounts during a claim. Reach out to us for guidance tailored to your policy and circumstances.

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.

Accidental Damage Cover Overview Accidental damage cover isn’t a default inclusion in your policy; however, it’s a valuable option that you can choose to extend for added protection. This coverage specifically addresses instances where you or your family accidentally damage your belongings. Opt-in Flexibility Unlike automatic inclusions, accidental damage cover requires an opt-in. Homeowners have the flexibility to choose whether they want to add this additional layer of protection to their policy, tailoring their coverage to match their specific needs and concerns. For Both Buildings and Contents Whether it’s for the structure of your home or the contents within, accidental damage cover can be extended to both buildings and contents policies. This versatility allows homeowners to comprehensively safeguard their property against unexpected accidents. How to Add Accidental Damage Cover If you decide that accidental damage cover is essential for your policy, the process of adding it is straightforward. Reach out to Intelligent Insurance to discuss your preferences and ensure that your policy aligns with your unique requirements. Summary By actively recognising the optional nature of accidental damage cover and the simple process to add it, homeowners empower themselves to make informed decisions, customising their policies for comprehensive protection.

If you have buildings insurance cover with Intelligent Insurance, your patio, walls, and fences are automatically included. Here’s a breakdown of the coverage: Permanent Fixtures Coverage These are considered permanent fixtures and are covered under your buildings insurance. Enjoy peace of mind knowing that damages to these essential elements of your property are included in your policy. Contents in the Open Coverage Items that can be moved around, such as garden furniture or plant pots, fall under the category of contents in the open. The coverage for these items can vary by underwriter, with protection extending up to £1,000. Summary Understanding the distinction between permanent fixtures and contents in the open ensures that your coverage aligns with the specific components of your property. Intelligent Insurance provides comprehensive solutions to safeguard both your property’s structure and its movable contents in outdoor spaces.