Insurer Assumptions

Your home insurance quote/renewal is based on a number of assumptions listed below. If you cannot agree to the assumptions listed below unfortunately we cannot offer you a quote.

• Your property is in a good state of repair, and will be so maintained;
• Your home is built with standard construction material;
• Your property is secure, with locks fitted to all external doors and accessible windows;
• Unless stated on the statement of fact your property is less than 100 years old, and is not a listed or protected structure;
• Your home will not be left unoccupied for more than 30 days in a row;
• Unless stated on the statement of fact this is your main home, occupied solely by you and/or your family;
• Your property is not used in any way for business purposes (including any domestic outbuildings);
• Your property is not located in an area particularly prone to damage by storm, flood, subsidence, heave or landslip;
• Unless stated on the statement of fact your property is not a holiday home or a rented property;
• Your property is not in the course of construction, undergoing renovation or refurbishment;
• Unless stated on the statement of fact you or any member of your household have not made any claims or losses in the past 5 years, whether insured or not, on any home insurance policy;
• You or any member of your household have never been convicted or charged with any criminal offence other than a minor motoring offence;
• You or any member of your household have never been refused insurance, renewal of insurance, had any special terms applied or had a policy cancelled by and insurer including for non-payment of a direct debit.