If you own your own home, you should have building insurance. If you rent your home or have a lease, the landlord or landowner is usually responsible for insuring the property. Our building insurance covers loss or damage to the structure of your home, such as walls, fixed furniture, gates and fences, walkways and terraces within the borders of your country. Residential buildings such as sheds, garages and greenhouses are also covered (garages and outbuildings used for commercial purposes other than office buildings are not included). Our home insurance covers your personal belongings against loss or damage and includes everything you would take with you if you had to move – including, for example, furniture, kitchen utensils, curtains, bedding, clothing, televisions, computer equipment and jewellery. If you made a claim during the insurance period, you will have to pay the full annual premium and will not receive a refund. If you have the details of your new property, we can make you a change of address offer if your new home meets our criteria. Our Gold policy includes this coverage as standard and for an additional premium you can add family legal protection to your Silver policy, where you are insured for the costs of pursuing certain legal proceedings, such as: You are also insured for the costs of defending legal proceedings, such as: If you purchased your policy through a comparison site such as Moneysupermarket or Compare the Market, You have our Extra or Essentials home insurance. If you are experiencing financial problems due to coronavirus (COVID-19) and need help, we may be able to help.
We offer this service to those in need, which are types of situations in which we can help; If you have changed your name, we ask you to send the original documents, which can be in the form of a marriage certificate, a valid passport or a certificate. We send a repair shop to assess the situation and carry out emergency work arising from emergencies, such as: At your next renewal, we will send you an offer for the next 12 months and if you wish to accept it, you will need to contact us to proceed with your policy. If you wish to add or remove an additional coverage option, such as accidental damage or bicycle coverage, you can do so by contacting us. If more than one coverage service applies to a damage event, only one deductible will be applied. In the case of different deductibles, the higher deductible applies. We want you to understand how much you will have to pay in case of damage, so if you need help or advice, do not hesitate to contact us. Visit our Home Insurance Hub for everything you need to make a claim, manage your account, contact us and more. Gold and Silver customers, if you have an insurance number that starts with DUHHS, please call 0370 060 0227 Need more questions? To learn more, visit our dedicated FAQ page.
The lines are open:Monday to Thursday8am – 8pm FridayFriday closedSaturday and Sunday closedWe are closed on public holidays. Fairmead Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 202050 for financial services. Registered in England and Wales number 00423930. Registered office: 57 Ladymead, Guildford, Surrey, GU1 1DB. Find out how to make a claim on your existing policy or read our FAQ. If you cancel this policy within 14 days of the start or renewal date, or receipt of your insurance documents, whichever is later, we will refund the unused period of coverage. View your home insurance documents and download them from My Insurance. Gold Insurance Product Information PDF file: Gold Insurance Product Information PDF size: 144KB Help and support for our existing insurance customers Excess is the amount you have to pay for each individual claim. Gold and Silver Policy Booklet PDF file: Gold and silver policy booklet PDF size: 264KB. If you need to change your personal information such as your name, please contact us. Limitations and exclusions apply, for example, we do not cover boilers and hot air units older than 8 years. Please refer to the policy brochure for details on coverage and what is not included.
We usually need it if your valuable item is over £10,000 or if you make a claim. You can pay online by credit/debit card through our secure online payment gateway (24/7). If you pay direct debit, we will continue to collect your premium in this way, unless you tell us otherwise. We no longer mention mortgage lenders as interested parties or co-policyholders in our home insurance policies. For more information on what is covered and what is not, please read our policy brochure, which can be found in the Key Documents section. Limitations and exclusions apply. We will inform you if you need to submit a notice or proof of ownership and how you need to send it to us. If you wish to change your payment method, please contact our customer service. If you need coverage for two addresses, we can cover both properties and also cover your contents during the move, provided we currently insure the address from which you are moving. Tenants are not eligible for residential emergency coverage, either for the gold or silver policy.
Vulnerability has many factors. We can all find ourselves in a vulnerable situation from time to time. We take care of our customers and their loved ones, that`s why we`re there when you need us. Extra and Essentials are our existing construction and content policies purchased prior to August 14, 2017 (these products were available after that date if purchased on a comparison site). We will also cover your costs in connection with a formal request from HM Revenue & Customs regarding your private tax matters. Home Emergency is provided by AXA Assistance (UK) Limited. Legal & General, L&G, L&G – EVERY DAY MATTERS and the Legal & General logo are registered trademarks of Legal & General Group PLC and are used by Fairmead Insurance Limited under license. Legal & General Group PLC accepts no responsibility for Fairmead Insurance Limited products or the maintenance of such products. This policy is underwritten by Fairmead Insurance Limited, a member of Liverpool Victoria General Insurance Group. Fairmead Insurance Limited is not a member of the Legal & General group of companies.
You must register to view your documents here. Please send a copy of the original document with your insurance number and contact details in case we need to contact you. We will send them back to you by registered mail. Coverage and limitations PDF file: SmartQuote Product Information PDF size: 66KB To learn more about your policy, how to make a claim, frequently asked questions and more, visit our support pages. If you are not sure what type of font you have, refer to the following information to determine your font type. We know that some of our customers are currently under additional financial pressure.