Home insurance questions & answers

We hope you find the answer you are looking for here. If this is not the case please check your policy document or call us on 0800 30 20 10.

What happens if I do not know the year built for the property?

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.
If the house does not qualify for unlimited cover, does the rebuild cost I supply have to be backed up with a surveyors report?

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.
Will non-standard construction properties e.g. Stone/wooden construction get unlimited cover?

No only properties of standard construction will qualify for this.
If a bungalow has a room that is being used as a dining room but could be a bedroom should this be included in the number of bedrooms?

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