Your Mortgage Compare Limited Buildings and Contents Insurance Questions Answered

How can I purchase a Home and/or Contents Insurance Policy?

There are a number of options available to you when you're ready to buy your Buildings and Contents Insurance from Mortgage Compare Limited.

If you are a new customer you can:

  1. Buy via your Mortgage Compare Limited Broker – Get a quote and then buy securely online, 24 hours a day, 7 days a week. Online discounts may apply. Please refer to the current offer on our website
  2. Buy Online - Get a quote and then buy securely online, 24 hours a day, 7 days a week. Online discounts may apply. Please refer to the current offer on our website
  3. Complete a quote online then call our friendly team on 01604 439930 at the end of the quote to complete the purchase of your policy. Our team is available Monday to Friday between 8.00am and 8.00pm.

Please note, if you purchase over the phone, the 10% online discount will not apply.

If I buy Buildings and Contents Insurance online when will I be covered?

Just like purchasing insurance over the phone, your insurance cover will begin on the date you request the cover to start.

Is it safe to purchase Buildings and Contents Insurance online?

Your online safety is of utmost importance to us. Our VeriSign certificate confirms that our online quote and payment system enables sensitive data to be safely encrypted. Please also make sure that the computer you're using is protected with the latest internet security system.

I am having trouble purchasing online, what should I do?

Please call 01604 439930 with your Quote Reference Number and we'll give you a hand. We're here to help Monday to Friday 8.00am-8.00pm.

Can I pay my insurance in monthly instalments?

If you decide to pay monthly, there's one upfront payment followed by 11 monthly instalments.

  • You can also pay fortnightly if you wish.

How do I make a Buildings and Contents Insurance claim?

Call 01604 439930 to make a Buildings or Contents Insurance claim. On the phone, we will guide you through our fast and friendly process, and we'll answer any questions that crop up along the way. Our claims team will do their best to ensure your claims experience is as hassle-free as it can be, in order to avoid any inconvenience to you and your family. We may need to arrange for an assessor to visit you, to inspect the damage, and help you organise repairs or replacement of damaged items.

In case of an emergency, please call our customer service staff on 01604 439930 for immediate support and advice.

What benefits are important to consider when choosing a Home and Contents insurance?

Benefits which could be important to you include:

  1. Choice of optional covers
  2. Flexible excess option - alter your premium by adjusting your excess
  3. Monthly or fortnightly payment options
  4. No forms to fill in ever, even if you claim
  5. 21 day money back guarantee if you cancel your policy and have not made a claim*

Why might I have different Buildings and Contents Insurance premiums to my friends or neighbours?

Home and Contents Insurance premiums are calculated based on the size of the home and level of 'risk' the insurance underwriters (Auto & General) associate with you and your home and/or contents. So simple factors that differentiate you and someone else contribute to the perception of 'risk'.

Risk may be affected by the location of the home, what materials the home is constructed from, the security devices installed at the home, and how the home is occupied. For example, not all insurers treat each suburb the same. The frequency of claims is also considered carefully.

Auto & General's underwriting allows us to offer competitive rates.

What happens if I don't disclose information about my past claims when I am asked?

This is called non-disclosure and affects an insurer's ability to accurately assess your risk or calculate the correct premium. It can lead to a claim being paid only in part; or not paid at all and/or your policy being cancelled.

What are the best ways I can save money on my Buildings and Contents Insurance?

Mortgage Compare Limited believes that you should only have to pay for the cover you decide you need and we give you a number of options that allow you to tailor your policy; choose whether you want to include these optional covers:

  • Accidental Damage
  • Flood

You can also choose the excess amount you pay if you need to make a claim, this will adjust the amount of premium charged for your Buildings and Contents Insurance.

What is Accidental Damage option?

For an additional premium, the Accidental Damage option provides cover for:

  • Accidental loss or damage to your Buildings caused by an accident which occurs at the insured address.
  • Accidental loss or damage to your contents caused by an accident which occurs in the Buildings at the insured address.

What is flood cover?

For an additional premium, the Flood option provides cover for:

  • Loss or damage to your home caused by flood which occurs at the insured address.
  • Loss or damage to your contents caused by flood which occurs in the home at the insured address.
  • Flood is defined as - the covering of normally dry land by water that has escaped or been released from the normal confines of: any lake, or any river, creek or other natural watercourse, whether or not altered or modified; or any reservoir, canal, or dam.

What are my Buildings and Contents insured against?

Under a standard Home and/or Contents Insured policy we cover you for:

  1. Fire
  2. Explosion
  3. Theft and attempted theft
  4. Malicious damage, vandalism, riot or civil commotion
  5. Accidental breakage of glass, ceramic and sanitary fixtures
  6. Storm and rainwater
  7. Lighting
  8. Earthquake
  9. Sudden and unexpected escape of liquid
  10. Impact at the home

How do I cancel my policy?

To cancel your policy please call 01604 439930 and we can arrange the cancellation of your policy.

How do I renew my policy?

You will receive a policy schedule and renewal letter in the mail annually. Your policy will automatically renew, unless you contact 01604 439930 to either cancel or make changes to the policy. You can also contact us to change the automatic renewal option if you would rather manually renew each year.

Mortgage Compare Limited is bound by the Data Protection Act of 1998, and information provided by you will be held, processed and used by ourselves, professional advisor and any associated companies in servicing our relationship with you, however strict confidentiality will be maintained at all times.

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Mortgage Compare Limited which is authorised and regulated by the Financial Conduct Authority.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.
See our website for our terms and conditions.
Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority
Adverse Credit - The overall rate for comparison is 9.2% APR. The actual rate available will depend upon your circumstances. Ask for a Mortgage Illustration
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Mortgage Compare Limited is entered on the FCA register under reference number 600521.