Frequently asked questions
Can i earn no-claims discount? Are my belongings covered outside of the home or when i go on holiday? We receieve a variety of questions, some more common than others.
Below we have answered some of the most popular questions regarding home insurance. These should help reduce any concerns you have but, if they dont please give us a call on 0845 634 6186 and one of our consultants will be more than happy to help.
- Can i get immediate cover?
- Can I insure my property if it is let to tenants?
- Do I need to have proof that I own what I'm insuring?
- Can I insure a property that is not my main home?
- Why do I need to give you all my personal details to get a quote?
- I work from home. Can you still insure me?
- How do I make a change to my home insurance policy?
- The property to be insured is not in the UK, Channel Islands, Isle of Man or Northern Ireland. Can I be covered?
- I don't know the postcode of the home I wish to insure - can you still give me a quote?
- How can I retrieve a saved home insurance quote?
- My property is a grade one or an A listed building. Am I able to be covered?
- What is an approved lock?
- My property is left unoccupied for more than 30 consecutive days during the year. Can I be covered?
- The Re-build cost of my property is more than £1,250,000. Will you cover this?
- What do you mean by self-contained with its own front door?
- Are you able to insure a property that is at risk of flooding?
- Can you insure a home that has been under pinned
- Does my home insurance cover my gadgets?
- How long will it take for my documents to arrive?
- Can I specify a direct debit date?
- Is there a charge for amendments to my policy?
- Are my fences covered for storm damage?
- Who do I call to make a claim?
- Do you offer landlords insurance?
- How far in advance of my renewal date can I get a new quote?
- Can I do a change of address on my existing policy?
- Do I need to let you know if I'm having work done to the property?
- Do I need to let you know if my circumstances change i.e. divorce etc?
- Do I need to take pictures of high value items?
- Can you cover my son/daughters contents whilst in halls of residents?
Answers:
Can I get immediate cover?
Yes, we can arrange immediate cover. Subject to qualifying criteria terms and conditions.
Can I insure my property if it is let to tenants?
We may be able to cover this. Please call us on 0845 634 6186 and we will check this for you.
Do I need to have proof that I own what I'm insuring?
No, but if you make a claim, you may be asked for evidence of value and ownership such as purchase receipts and instruction manuals. This is especially important for valuables, such as jewellery, watches or works of art.
Can I insure a property that is not my main home?
We may be able to insure a second home. If you would like a quote for a second home please give us a call on 0845 634 6186.
Why do I need to give you all my personal details to get a quote?
We need all you personal details to be able to give you our best price possible. Your name and Date of Birth and post code will also be used to find you on our database.
I work from home. Can you still insure me?
Yes, we can insure you in some cases. If you have less that £5,000 of clerical equipment and are visited by individuals in relation to business less than 3 times a week we may be able to insure you.
How do I make a change to my home insurance policy?
Please call our Customer Service department on 0845 634 6183 where we will be able to help you.
The property to be insured is not in the UK, Channel Islands, Isle of Man or Northern Ireland. Can I be covered?
We will not cover this. However, please call our Specialist Home Insurance provided by Towergate on 0844 736 8233 for a quote.
I don't know the postcode of the home I wish to insure - can you still give me a quote?
Unfortunately no. The postcode is one of the key rating factors. Without this we can't offer you a quote.
How can I retrieve a saved home insurance quote?
You can retrieve previously saved quotes by clicking here. To retrieve a quote you will need your email address and password.
My property is a grade one or an A listed building. Am I able to be covered?
We do not cover listed buildings. However, please call our Specialist Home Insurance provided by Towergate on 0844 736 8233 for a quote.
What is an approved lock?
An approved lock is a lock that conforms to British Standard 3621 e.g. 5 lever locks.
My property is left unoccupied for more than 30 consecutive days during the year. Can I be covered?
We may be able to cover this if this only happens on the one occasion. Please call us on 0845 634 6186. If your home is always unoccupied for more than 30 consecutive days we cannot cover this. However, please call our Specialist Home Insurance provided by Towergate on 0844 736 8233 for a quote.
The Re-build cost of my property is more than £1,250,000. Will you cover this?
We will not cover you if the re-build cost of your property is in excess of £1,250,000. However, please call our Specialist Home Insurance provided by Towergate on 0844 736 8233 for a quote.
What do you mean by self-contained with its own front door?
We cannot insure homes that are shared accommodation. If you have your own door to your property that only you, and those that live with you, have access to and is key operated then we may be able to insure your property.
Are you able to insure a property that is at risk of flooding?
Yes, as long as your property has never had flood damage we may be able to insure your home.
Can you insure a home that has been under pinned
We will not cover this. However, please call our Specialist Home Insurance provided by Towergate on 0844 736 8233 for a quote.
Does my home insurance cover my gadgets?
Yes, Gadgets would be covered provided you have taken the correct level of cover on your contents insurance e.g. accidental damage and personal possessions. However we do offer separate Gadget Insurance cover which might better suit your needs. You can buy this online with your home insurance or you can call us on 0845 634 6186 and speak to a household consultant about this.
How long will it take for my documents to arrive?
All documents are available online through our existing customer service area. You can also choose to have your documents posted to you which will take 7 -10 working days.
Can I specify a direct debit date?
Yes. To do this please call us on 0845 634 6183 and speak to a customer care representative.
Is there a charge for amendments to my policy?
Yes. This would be in addition to any charge made by the insurer.
Are my fences covered for storm damage?
No however they are covered for impact and tree damage. If you wish them to be covered for storm damage we offer a separate low cost Garden Insurance cover which may suit your needs better. You can buy this online with your home insurance or you can call us on 0845 634 6186 and speak to a household consultant about this.
Who do I call to make a claim?
The Green Insurance Company is an insurance intermediary and as such we administer your policy and work with a panel of insurers, however, we do not deal with claims. The insurer of your policy would deal with any claims. Their contact details can be found on your schedule of insurance.
Do you offer landlords insurance?
Yes. Due to the nature of this policy we would ask that you call us on 0845 634 6186 to discuss this.
How far in advance of my renewal date can I get a new quote
We can quote up to 30 days in advance of when you need your policy to start.
Can I do a change of address on my existing policy?
Yes, to discus this further and arrange a change of address then call us on 0845 634 6186.
Do I need to let you know if I'm having work done to the property?
Yes. We request that you tell us within 30 days of any work starting as fees and terms may apply at this time. Please call us on 0845 634 6186 to discuss this.
Do I need to let you know if my circumstances change i.e. divorce etc?
Yes. We would ask you call us on 0845 634 6186 to let us know if your circumstances change.
Do I need to take pictures of high value items?
We do not request pictures of high value items to be sent to ourselves if claiming however we do require a valuation for items that are under 3 years old and worth £2500 or more. Your insurance company however may request pictures of the items for proof of purchase if the item can't be provided, e.g it is lost.
Can you cover my son/daughters contents whilst in halls of residents?
Yes we can however there are certain terms and conditions that will apply. Please call us on 0845 634 6186 to discuss this.