Why use Seico for your home insurance?
We are able to offer quotations with all major insurance companies, plus the various insurers at Lloyds. Once we have the information from you a quotation can take just seconds to complete. We will ensure that we provide you with the cover you require, whilst bearing in mind that cost is a very important factor. We do feel it is important to ensure that you are aware of the covers available on the market, therefore whilst quoting you the lowest premium possible, we will also advise you of additional covers that are available, for instance accidental damage, all risks away from the home etc. The choice is naturally yours as to the cover accepted, however we feel you deserve to know all the choices available. Instant cover is available and we can offer monthly payment plans if required.

View definitions of common terminology:
Standard Cover
Accidental Damage
Excess
Personal Possessions
New for Old

Home Insurance is basically divided into two headings, Buildings and Contents. Cover can be arranged for both under one policy or as two separate policies with different insurance companies. Although you may receive a discount for insuring both under one policy, this is not always the best course of action - some insurers offer better premiums and cover on Buildings rather than Contents and vice versa.

Insurance Company Home Claim Phone Numbers
The majority of insurers do not require claim forms and would rather you reported the incident by phone. This saves time and results in claims being handled more efficiently. Above is a list of some of the major claims help lines.

In nearly all cases, it is less expensive to arrange cover via an insurance intermediary (or broker) rather than a mortgage company. As independent intermediaries we have many companies available and can match the right one for your particular circumstances, type of property and area. The mortgage companies are generally tied to one insurer.

What happens if I need to make a claim?
If you need to make a claim, we will ensure that this is settled as quickly and fairly as possible, by liaison with Insurers and Loss Adjusters - we do not charge for this service. Our 'express claims service' has been designed to take away the stress and worry that a claim can cause.

What covers are available?
We can offer cover for Buildings, Contents and Personal Possession in the house and worldwide, Art, Collections, Antiques, High value Jewellery; in essence anything that you consider part of your home life. We can arrange separate policies for each or a combined policy that provides all your cover under one contract, the choice is yours.

Other policy covers can include:
Money and Credit Cards, Freezer Contents, Annual Travel, Personal Accident, Bicycles, Legal Expenses, Caravans and Small Craft, specified belongings and unspecified belongings. You should check to see which of these are included in any quotation that you obtain.

Points to Note:
Unoccupancy
If your home is to be unoccupied for more than 30 days
1. Notify your insurers
2. Drain and turn off water at the main
3. Ensure that the property is secure and, if possible, arrange for somebody to check on it regularly

Let or Unoccupied Properties
If you decide to let your property, notify your insurer. Some will not cover such properties; therefore it is best to approach an independent intermediary or broker such as Seico Insurance, who have specific facilities available

Business Use of your Property
This should be notified to your insurer. There are now many special policies which can cover personal and business contents.

Sums Insured
If your sums insured are found to be inadequate, any claim payment will be reduced in direct proportion. Therefore it is essential to insure for the correct amount. Normally, mortgage valuations give a re-building sum insured and insurance companies offer guides to calculating your contents sum insured. Otherwise, professional advice should be sought.

Security / Alarm Discounts
If you take advantage of such discounts, you should note that it is a condition of cover that all protections are utilised whenever the property is unattended and at night. If you forget to lock a window, for example, cover could be null and void.

Emergency Helplines
Insurance Company Home Claim Phone Numbers
Most insurers offer helplines for claims assistance. These are only usually there to provide advice and / or details of tradespeople who can carry out repairs. You should always establish whether the insurer will be settling the repair bill direct or not. In some cases, this will be down to you to pay and then claim back from the insurer

Disclosure of Material Facts
You must mention any facts that may affect the way an insurer would consider your risk, failure to do so could void cover. Examples of such facts are; Previous Claims, police convictions or previous cancellation or non-acceptance of cover by an insurer. If you are unsure if a fact is material, you should declare it anyway, to be on the safe side.