One of the most important aspects of household insurance is making sure that the amounts of cover namely the sum insured is the correct amount for the buildings / items you need insuring.
As you may or may not know the sum insured is the maximum amount that the insurer will pay, and if the amount is set at a lower level then in the event of a claim it would not be paid in full.
As a broker we work with several different insurers to help devise products that will ensure that you are not under insured when the worst happens.
As a valued customer we believe that you should be dealt with as person not a claim statistic and choose our insurance partners based on the service they provide if the worst happens. Our partners will allocate a Personal Claims Manager to your claim so you have one point of contact if you need to make a claim. UK & Ireland are able to provide you with a full range of home insurance products.
Alternatively please contact us by phone or email.
Cover available can include:
- Up to £1,000,000
- Up to 3 years cover for alternative accommodation if you are unable to live in your accommodation
Contents & Valuables:
- Cover up to £250,000
- Worldwide cover (including accidental loss).
- Legal expense cover up to £100,000
- Additional Benefits available
- 24 Hour Home Emergency Assistance
- Hired marquees cover
- Hole in one cover
- Identify fraud cover
- Travel Insurance
In certain case we may also send out one of our specialist Account Managers to assess your insurance needs. The account manager will be able to review your cover requirements and make recommendations based on these, meaning you can rest easy that your sums insured are covered.
The account manager will also be able to make recommendations on your security requirements and place values on those precious items such as art collections.
|Cover is automatically provided up to £500,000 with the option to increase to £600,000||Giving increased levels of cover and fl exibility to reassure your client and meet their needs|
|Standard buildings cover protects all your buildings(including garages, greenhouses, outbuildings, patios, drives, hedges)||• 20% of buildings sum insured for alternative accommodation|
• £2,000,000 legal responsibility cover
• Removal of squatters fees up to £10,000
• Total excess options from £100 to £300.
|Cover is automatically provided up to £60,000 with the option to increase to £75,000||Giving increased levels of cover and flexibility to reassure your client and meet their needs|
|Covers as standard all contents including household goods, high risk items, personal documents, personal belongings, clerical business equipment and more||
• Now includes credit card cover in the home
up to £500|
• Occupier will receive £2,000,000 legal responsibilities cover
• Occupier will receive £10,000,000 cover for legal liability as an employer to domestic employees
• Total excess options from £100 to £300.
What is buildings insurance?
Buildings insurance is basically cover for the household structure plus all the items that are generally not removable.
Basically the foundations, walls, floors, doors, windows, roof, plumbing, electrical wiring, insulation, fitted kitchens and fitted bedroom units.
The buildings also include garages, sheds, greenhouses, walls, paths and driveways.
What is contents insurance?
Contents insurance is basically everything you would take with you if you moved such as:
All the contents of your home such as Computers Equipment (Laptops, Tablets, iPads etc), clothes, furniture, electrical goods (TV’s Cinema iPods etc) art work, jewellery, food and drink to name a just a few. Basically it’s everything in the property that you own.
PERSONAL INSURANCE PRODUCTS FROM UK & IRELAND INSURANCE
Home Insurance |
High Net Worth Home Insurance |
Landlords Buy To Let Insurance
Mobile Phone Insurance | Student Possessions Insurance | Tenants Possessions |
Annual Multi Trip Travel Insurance | Single Trip Travel Insurance | Holiday Insurance
Backpacker Travel Insurance | Gap Year Travel Insurance | Studying Abroad Insurance
BUSINESS INSURANCE PRODUCTS FROM UK & IRELAND INSURANCE
Business Liability Insurance |
Business Premises Insurance |
Directors & Officers Insurance
Employers Liability Insurance | Home Worker Insurance | Professional Indemnity Insurance
Public Liability Insurance | Shop Insurance | Commercial Vehicle | Motor Fleet | Van Insurance
OTHER WEBSITES FROM UK & IRELAND INSURANCE
Cover4BuyToLet.co.uk- Insurance for Landlords and owners of buy to let properties.
Cover4MobilePhones.co.uk- Specialist Insurance for mobile phones.
Cover4Students.com- Specialist Insurance for students in the United Kingdom.
Cover4Students.ie- Specialist Insurance for students in the Republic of Ireland.
Cover4Travel.com- Online Travel Insurance from UK & Ireland Insurance.
Saxoninsurance.com-Online Insurance services for students, graduates, nurses & young professionals.