Home insurance questions & answers

You should answer to the best of your knowledge. If you have a mortgage you would have supplied this to your mortgage provider who will have it on record.

No a surveyors report is not required, however this is the most you will be paid for a claim and must represent the full rebuilding cost of your buildings in the same form, style and condition as new. If the sum insured is too low, your claim settlement can be reduced by the same percentage that your sum insured is inadequate.

No only properties of standard construction will qualify for this.

You need to tell us how many rooms were designed to be used as bedrooms.

When an insured peril such as theft occurs at home and 'music' has been stolen on a computer, a claim would be honoured for the replacement music if the music provider can confirm purchase up to a limit of £1000. The policy does not exclude loss of, or loss of access to, computer data under perils 1 -11.

However, the accidental loss of music as a result of mechanical failure to an MP3 player or any other device would not be covered, and presumably customers can download the lost music again from their computer.

The 10% cover will automatically apply and covers the person or persons named as the policy holder in the schedule, plus their husband or wife, partner, civil partner, children (including those adopted and foster children) and relatives, provided each of these normally live with them. It does not cover paying guests or any other person to whom your home is lent, let or sub-let.

No your policy only covers lost or stolen keys that relate to external doors, windows and alarm systems fitted to your home.

The valuables cover can be increased but not decreased.

Yes.

Yes this would be a personal item that you normally carry about with you.

Yes this would be a personal item that you normally carry about with you. The cost of phone calls made after a phone is lost or stolen however would not be covered.

The minimum cover for contents is £ 15,000 and cover is provided in multiples of £100.

This is where there is normally at least one person in the property for the majority of the time between 8am and 6pm 5 days a week or more. It is accepted that you will go out shopping, taking children to school and go on holiday for example.

As you are at home there is a lower risk of claims for things like burglary so this will be reflected in the premium. This is one of many factors that affect the premium and is not a set percentage so the overall impact is difficult to quantify.

Yes.

The contents calculator will help you estimate the contents cover you will need. However this only provides a rough guide and it is up to you to make sure that it is adequate to cover all of your contents.

Yes you can still take out Home contents which will provide cover for your personal possessions and valuables and any items of furniture that you have provided yourself e.g. a television. However, if you are part of a shared tenancy agreement with other tenants, then we are unable to provide cover for you.

Mortice locks are available with a 2, 3, 5 or 7 lever mechanism. The higher the number of "levers" the more difficult the lock is to "pick".

If you are unsure you must answer 'NO' until you have had the opportunity to check your locks or contact a locksmith.

You can answer 'YES' to 'are all external doors fitted with 5-lever mortice locks?' if all external doors meet at least one of the following criteria:

• 5-lever mortice lock.
• Multi-point locking (on modern UPVC doors where you lift the handle up before locking and bolts come out top, middle and bottom).
• Patio doors with individual key-operated locks/bolts top and bottom or fitted with multi-point locking.

Home Emergency is only available for owner occupiers. If you are anything other than an owner occupier then the Home Emergency option will not be available.

Yes you can.

Yes – Section 8 – Home emergency special conditions states:- You must maintain your home and all domestic equipment in good condition, and carry out or arrange for regular inspections and preventative maintenance to the fabric and structure.

No there is no limit to the number of calls outs however the most we will pay for any one insured incident in total is £500 (including Value Added Tax) as shown in your schedule for:

• the call-out charge and up to 2 hours labour costs
• parts and materials up to a maximum of £100 (including Value Added Tax).

Alarms being set off and fixed due to power failure would not be classed as an insured incident, therefore not covered under Home Emergency.

If the repair takes over 2 hours and/ or the parts costs more than £100 and the claim is not covered by any other section of the home insurance policy you would be responsible for making payment. You can request a quote before any work is started if you are concerned.

Yes wasps and bees are classed as vermin but removal of them must be from the main property, removal will not be made from an outbuilding.

You do not pay an excess for Home Emergency it just covers up to £500.

The policy covers the person or persons named as the policy holder in the schedule, plus their husband or wife, partner, civil partner, children (including those adopted and foster children) and relatives, provided each of these normally live with them. It does not cover paying guests or any other person to whom your home is lent, let or sub-let. Students who normally reside at the property outside of term time will also be covered.

No.

Use of this service is for confidential advice over the phone on personal tax matters. Specialists can give information and advice on personal tax problems and the tax implications of a range of subjects such as investments, property trusts, inheritance and pensions.

This is simply down to the rounding of the annual premium when divided by 12 months. For example if a policy has an annual premium of £200, then this equates to £16.666666 and this needs to be converted into a whole number. For the first month £16.74 will be paid followed by £16.66 for 11 months. (£16.66 x 11 months = £183.26 + the first payment of £16.74 = £200 which is the annual premium).

No the payments are calculated over the year and then this is averaged out over the 12 months. As outlined in the previous question only the first payment may differ.

No individual premiums will be unaffected.

No payments by credit card must be annual.

Yes you can choose any date between the 1^st and 28^th.

The current underwriter of Nationwide home insurance is Churchill Insurance Company Ltd (Churchill). Churchill is part of Royal Bank of Scotland Insurance (RBSI). RBSI has decided to amalgamate Churchill and its other three UK non-life general insurance underwriters, into a single underwriter known as U K Insurance Limited (UKI).

There will be no impact on Nationwide customers. The features of our products along with the way policies and claims are handled will be unaffected by the transfer.

The change is effective from 23:59 on 10th December, 2011. In preparation for this change Nationwide is currently substituting on systems and documentation all references to Churchill with U K Insurance Limited, This means for a short period starting from the 8th December 2011, you may see both Churchill and U K Insurance Limited referred to within our different systems and documents.

No.

No these are National rate numbers.

Yes add-ons can be added at any time. Call into a branch or ring on 08457 30 20 10.

Yes, if the sum insured is too low the insurer can reduce your claim settlement by the same percentage that your sum insured is inadequate.