![]() Inflation increases the price of goods and services, impacting Direct Line’s claims and general expenses. If you’ve made a claim in the previous year this could result in an increased premium. Your claims history is taken into consideration when pricing your policy. If you do choose the convenience of automatic renewal, your price will still be the same as one given to a new customer. You'll still get a renewal invite before the policy end date, but cover will stop if other arrangements aren't made. If you choose to automatically renew, you can cancel at any time. There are many reasons why the cost of your home insurance premium may have changed on renewal, with some having a bigger impact than others. And not telling us could invalidate your policy. The more expensive your items are, the more it will cost you to get them insured.Įven if you’ve moved into a new house, your claims history is still taken into consideration. For example, wooded structures are particularly vulnerable to fire, termites and rot.įactors like your age, whether you’re married with children, or if you’re away from home for long periods of time can all have an impact on your quote.Ĭommon tile and slate roofs are easier to insure than those that are flat (vulnerable to burglars and weather damage). The age of your property and materials used to build your house can have a huge impact on your quote. If you live in a large house, the cost to have it rebuilt is likely to increase the buildings element of your quote.ĭue to a higher risk of flooding, homes near rivers or coastlines are generally more expensive to insure. It could be that you live in a city with a higher crime rate, a woodland area affected by tree roots or a rural location exposed to severe weather conditions. Your premium is based on several factors relating to you, your home and the value of your items. The greater the risk of loss and damage to your home and belongings, the higher your insurance quote is likely to be. Cash limited to the cost of the replacement to Direct Line. Items must be stolen or damaged beyond repair. When your claim is approved, you can have a brand new replacement where available, or we'll give you the cash. If you need to make a change to your policy we won't charge you an administration fee. Extreme weather conditions may extend response time. ![]() Worried about uncontrollable leaks in the home? With Home Insurance Plus, we can send an emergency plumber within three hours.Įxcludes Highlands and Islands. Personal possession cover needed for items outside the home. Theft claims and accidental loss up to £3000. ![]() We'll be ready to send replacements for everyday items like phones and laptops within two hours of an approved claim - reconnecting you ASAP. Protection provided only when more than a 50% chance of recovery. Provides a 24/7 helpline and up to £100,000 cover for claims including contract disputes, personal injury and motoring prosecution. Repairing or replacing an entire set, suite, group or collection of items.Ĭover for portable items that you take out of your home, like laptops and mobiles.Ĭovers situations when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes.Ĭovers emergencies that occur in your home like broken boilers, faulty locks and uncontrollable water leaks. Replacing any parts of the building that were removed to help get to escaping water.įor you and your pets, in case you can’t live at your home while it’s being repaired after an insured event. Covers the main structure of your home if you need to rebuild or repair it after a fire, flood or theft.Ĭovering the value of all your possessions in the home. ![]()
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