| Claims History | |
| '3 in 5 years' (for example) Means, to be eligible for an Internet quote, you must not have more than 3 incidents in the last 5 years. If you have more than 3 claims you need to contact the insurer direct to obtain a quote. |
More Definitions |
| Business Use | |
| 'Yes' (for example) Means, that you may use your home for business purposes. |
More Definitions |
| Minimum Contents Value | |
| '£50,000' (for example) Means, to be eligible for an Internet quote, the value of the contents of your home must not be less than £50,000. |
More Definitions |
| House Ownership | |
| The following definitions relate to buildings insurance only. You may still get a quote for contents insurance irrespective of who owns the building. 'Self' means, you will only get a quote if the house is registered in your name. 'Family' means, you will only get a quote if you or a member of your family is the registered owner. 'Max. 2' (for example) means, you will only get a quote if there are no more than 2 registered owners. 'No companies' means, you will not get a quote if the property is owned by a company. |
More Definitions |
| Max. No. of Bedrooms | |
| This shows the maximum number of bedrooms for which you can obtain a quote online. If your home has more bedrooms than the limit shown you need to contact the insurer direct to obtain a quote. | More Definitions |
| Minimum Rebuild Cost | |
| This shows the minimum rebuild cost for which you can obtain a quote online. For example, 30k means if the rebuild cost is less than 30,000 you need to contact the insurer direct to obtain a quote. | More Definitions |
| Maximum Rebuild Cost | |
| NB: This is not the value of your home. This shows the maximum rebuild cost for which you can obtain a quote online. For example, 250k means if the rebuild cost exceeds 250,000 you need to contact the insurer direct to obtain a quote. |
More Definitions |
| Multiple Quotes | |
| Some sites offer you more than one quote or will select the best quote from a panel of insurers. | More Definitions |
| Sight Saver | |
| SoreEyes donates 50% of income from supporting insurers to Sight Savers International, the leading UK charity, which helps prevent blindness and restores sight in developing countries. 'Yes' means that this is a supporting insurer. |
More Definitions |
| Quote & Buy Online Home Insurance Sites | |
| These are the most sophisticated sites enabling you to obtain a firm quotation and buy securely online (or via telephone where preferred). | More Definitions |
| High Value Quote & Buy Online Home Insurance Sites | |
| These are the most sophisticated sites enabling you to obtain a firm quotation and buy securely online (or via telephone where preferred). Most insurers have a maximum contents and / or buildings value which they will insure. Typically a maximum of £50,000 to £65,000 for contents and £300,000 to £400,000 for buildings. In contrast, a high value insurer sets minimums below which they will not quote. Typically, a minimum of £50,000 for contents and £175,000 to £250,000 for buildings with no maximum. |
More Definitions |
| Quote Online Home Insurance Sites | |
| These sites offer a firm quotation online but have no payment facility. You will need to speak to the insurer direct to make a payment. | More Definitions |
| Estimate Online Home Insurance Sites | |
| These sites provide a ballpark estimate. You then need to speak to the insurer direct to receive a confirmed quote and to make a payment. | More Definitions |
| Quote Request Home Insurance Sites | |
| Basic non-interactive sites including a form that you can e-mail to request a quote. Expect a response within 1 or 2 days via e-mail, post, fax or telephone. | More Definitions |
| Other Home Insurance Sites | |
| These sites only give basic information about the company including contact details. | More Definitions |