Commodore Finance Ltd © All rights reserved. Privacy Policy | Terms of Use

Our home is probably one of our most important commodities, not just bricks and mortar but fond memories and something of extreme personal value.

This is why it is so important that we have the necessary insurance cover in place.

Why come to us for home insurance quotes?

1. We can advise you correctly in relation to the full and proper rebuilding costs of your home, This will ensure that you never experience a claim only to be told they won’t pay the full amount of the claim as you didn’t have the correct level of cover.
2. We can advise you correctly in relation to a sufficient sum assured for your contents insurance as we come across hundreds of people on a regular basis that have severely underinsured themselves without realising it.
3. We can take the responsibility. By using our team of advisors to source the most appropriate product you at least have some financial comeback should anything go wrong.
4. We can source the most appropriate and most competitive cover to meet your individual needs saving you precious time on comparison web sites. Always remember there are a lot of providers who do not appear on comparison sites.

Please feel free to use our on line quote engine, this will give you an indication of the potential cost of your cover.

*Please note that whilst you are able to quote online immediately using the button below, we must stress that this is not an exhaustive list of providers, due to the large scale of our panel it may be of benefit to you to speak to one of our team with your requirements and we can send you a full no obligation quotation.

There are primarily two main elements to Home Insurance.

Buildings Cover – This covers the bricks, mortar and its permanent fixtures and fittings such as kitchens and bathrooms. Whilst it is not a legal requirement to have this type of insurance cover in place, should your property be mortgaged, the lender will impose this requirement as a condition of your mortgage and as security to them due to the amount of money they have invested in your home.

When taking out buildings insurance it should be noted that whilst mortgage lenders say you must have it, you do not have to implement the cover via their own providers. You are totally free to obtain the cover yourself from a provider of your own choice; as such you may well find you can obtain cover at a greatly reduced cost elsewhere.

Some lenders may impose an ‘insurance administration fee’ usually in the region of £25.00 - £40.00, this is a one off fee that they will normally add to your mortgage account. You should therefore always check with your lender first and calculate this into the overall cost when looking at alternative providers.

Contents Cover – There isn’t any legal requirement or any conditions imposed by your mortgage lender that says you must implement this type of insurance cover. Think however, how you would feel if you suffered fire or even just flood damage and you lost everything.

Your favourite ornaments, your flat-screen television your carpets and home furnishings, everything you and your family worked so hard to buy could be ruined. This is why it is so important that you should consider this cover in addition to your Building Insurance.

(Additional options that may be included or added to your policy are as follows)

Accidental Damage – This option can be added to the Buildings, the Contents or both and it does as it says on the tin – it covers you for any accidental damage.

Typical incidents that we find that can occur and require this cover are things such as accidents with spillages on computers, laptops and televisions. Television sets that are accidentally dropped or damage to glass in furniture.

Incidents that occur and require this cover for your buildings are things such as putting your foot through ceilings when working in the attic or hammering a nail into an electrical cable or water pipe.

Sounds silly but believe us when we say it happens!

Home Emergency Cover – This will provide you with assistance/cover for a sudden unexpected event such as burst water pipe and needs immediate action.

Legal Expenses Cover – This will subject to conditions within your policy meet expenses up to a certain sum assured (dependant on the policy/insurer) for things such as legal defence, bodily injury, employment disputes and more.

Personal Possessions – This can be added to your contents cover and insures items, which you, or your family carry away from the home such as jewellery, mobile telephones, keys, cameras etc.

Home Insurance Exclusions Explained

(this list is not exhaustive and you should check your individual policy documentation for full information)

Within your home insurance policy documentation please always be aware that insurers impose certain conditions/exclusions to your policy examples of typical exclusions are noted below:

1. Loss, damage, liability resulting from or in connection with terrorism
2. Your fences and gates are not usually covered for storm damage
3. Pollution or contamination unless it arises from a sudden incident within the period of insurance and is entirely accidental and unexpected

Other factors that may also invalidate any claim you make may include (this list is not exhaustive):

• Incorrectly describing the locks on your external doors to the property.
• Leaving windows open whilst you are away from the home.
• Not using the key operated locks on your windows (if applicable).
• Incorrectly describing your alarm system i.e. you may be receiving a discount for a NACOSS approved alarm but your isn’t NACOSS approved.
• Not putting your alarm system on whilst away from the property if you have declared that you have one to obtain a discount.
• Leaving external doors unlocked resulting in burglary without the use of forced entry.
• If you leave your property unoccupied for more than 30 days in a row i.e. if you take a longer holiday.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

We do not normally charge for mortgage advice, however this will depend on your circumstances. If a fee is charged our typical fee is £99.

Commodore Finance Limited is an Appointed Representative of Personal Touch Financial Services Limited which is authorised and regulated by the Financial Services Authority