What is the Motor Insurers Bureau (MIB) and what do they do?
Home Emergency Cover
Imagine you’re at home and a pipe suddenly bursts, or the electricity goes when you’re cooking Sunday lunch for the in-laws.
When faced with these situations, it can be hard to know who to call and more importantly, who will do the job right.
With access to specialist providers of home emergency insurance and domestic repair services, we can help you to stay calm in a crisis situation.
Don’t know who to turn to in a crisis?
We include access to a 24-hour helpline, approved repairmen, a two-hour response assurance for water and electrical emergencies and a guarantee with permanent repairs.
Non-standard home insurance
Do you have a unique home?
If your house falls outside the typical definition of a ‘bricks and mortar’ building, it may be classified as a non-standard household. This could make it more difficult to get insurance at a competitive price. Are you the owner of a non-standard home?
The age of your property can greatly affect your chance of getting cover from a number of insurance providers. If your home is 100+ years, it may become increasingly difficult to insure.
If you live in an area with a high crime rate or an area where a number of claims have been made, it may be more difficult to insure your house as this is one of the most common factors insurers consider.
Those living in an area with a flood risk, even if their home hasn’t previously been flooded, may find obtaining regular home insurance difficult and at a higher cost.
Thatched Roof Properties
You could find that many insurers who will insure thatched roof properties charge higher premiums due to the increased risk of fire damage.
If you have had made previous claims, this can subsequently make it more difficult to insure your home. Insurers share claims information so a refusal from one can be indicative of a general trend amongst other insurers.
Common Home Insurance claims
We take a look at some of the most common Home Insurance Claims
- Water Damage
The leading cause of home insurance claims in the UK.
- Weather/Storm Damage
Causing immediate damage or long-term erosion.
Statistics suggest that only 9% of contents stolen are usually recovered.
- Accidental damage
Defined as an unintentional accident which harms your home and/or contents.
The effects can be devastating and often mean a high insurance claim.
Keeping a clear head in an emergency
Our friendly team at The Insurance Centre will discuss your options with you so that you can be confident that your home’s utilities are protected, either with one product or several within one policy. Take a look at the risks Home Emergency Cover can cover you against and what you can do personally to mitigate the risk in your home.
- Boiler failure or burst pipes
- Water supply failure
- Roof damage
- Pest infestation
- Electricity failure
- Issues with doors/windows and locks
- Check grout in kitchen/bathrooms
- Regularly inspect plumbing for leaks
- Don’t wait for the issue to get worse
- Test smoke detectors often
- Service your boiler
- Watch out for mould/mildew
- Remain vigilant in severe weather
- Clean gutters and downspouts
Ourselves and a number of our extended family members have used The Insurance Centre for the past 30 plus years for both our business and personal insurances. Nothing is too much trouble and all our queries are dealt with swiftly. We could not recommend them highly enough.
High Net Worth and Property portfolio client|
From the initial enquiry to going on cover, Alan our contact at The Insurance Centre has been incredibly friendly, helpful and knowledgeable.
He works with us to ensure we are happy and leaves me with the confidence that the insurance side of our business is taken care of. Nothing is too much trouble and the personal service provided is second to none.
Get Lost Escape Rooms|
Although I have now retired I would like to thank Carl and the team at The Insurance Centre for their service over the years. They have provided me with insurance cover both as a manufacturer and as a landlord and I have always relied on the help and advice provided to me.
I would be happy to recommend their services to anyone looking for insurance cover.
Steve Allen Properties Limited|
The Insurance Centre acquired the insurance broker I used to insure with approximately 15 years ago. Since then the work Claire Banks carries out for us is extremely efficient, she is reliable and does exactly what she says she will.
For that reason I have continued to renew our insurance with The Insurance Centre and I am very thankful for what Claire and the team do.
Frequently Asked Questions
You are not usually required to take out the Buildings Insurance recommended by your mortgage lender unless written into the terms of the contact.
It varies – if you take out Contents Cover with The Insurance Centre, we can work with you to figure out the value of everything you own which is not fixed. Homeowners often undervalue the worth of their contents, therefore it’s important to come up with a correct estimate.
Yes you can still insure your listed property. Older buildings are often harder to insure and you will require a specialist policy. If you speak to one of our friendly team at The Insurance Centre, we can find a policy to suit you, protecting your listed building.
In this instance, it’s best to check first to ensure your insurers will accept this. Most will allow you to use your own contractors if their quote is reasonable but they will no longer then be liable for the workmanship.
Get a quote
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