Would also like to add that we are surprised by the lack of insurance knowledge from some providers. Okay we understand that most, like us, act on a non-advisory basis. However that doesn’t mean that queries cannot be understood and answered using industry gained knowledge without over-stepping the provider’s regulatory status. It would seem that staff have no insurance knowledge what so ever.

No call handling system here!

What we offer is the ability to call us during office hours, 9am to 5pm Monday to Friday, excluding bank holidays and mostly get straight through. Okay there may be busy times when the line is engaged, but that’s not often. Would also add that having an engaged tone is better than a call handling service. At least you know that you can call back and with us most likely get through to a real person.

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With regard to this topic, garden room home insurance, a few issues arise which would need sorting to ensure the insurance will respond in the event of a claim:
A garden room isn’t like an average shed or any other outbuilding, it usually costs much more. It’s designed to be a livable space, like an self-contained extension of your home. A policy may not class a garden room as a conventional outbuilding, under the definitions, due to the higher cost.
Another stand out point is the replacement cost of the contents, including personal possessions and may be business equipment kept in the garden room. Most policies have a limit for total contents kept in all domestic garages and outbuildings, which could be around £5,000. As the limit under the insured contents section is set within the policy wording, it is likely that your insurer won’t increase the sum insured, taking into account the probability of a higher sum being needed when factoring in the garden room.
Finally you may well have a garden room to use for both pleasure purposes and for business. May be the business element includes visitors. This should be disclosed to your insurer, as may alter the acceptance, premium cover or terms.

Link to the quote form

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There’s plenty of information out there about this scheme, but how does it affect home insurance? First and foremost the home insurer must be informed of your intentions before it happens. Within documents there will be a section where the insurer must be advised of any changes to the occupancy and this would apply. In addition as the UK Government would be paying £350 per month, so our Ukrainian friends would be classed as paying guests. In addition it’s probable that your prospective guests will be in receipt of State benefits, which should also be raised with your insurer. Hopefully your insurer would accept this arrangement, as a necessity and would continue the cover. However you can not assume that your insurer will be OK with this arrangement or try searching for a vague answer online. You should make a specific inquiry to your insurer, which will then be recorded under your policy. Keeping your current policy running is the idea outcome, as generally it is not a good idea to cancel and switch insurers at any other time other than the renewal / expiry date.

Homes for Ukraine

If your current insurer cannot accommodate the Homes for Ukraine scheme, then please feel free to complete a quote form sharing your home with paying guests . Your Ukrainian guests would go under the same occupancy criteria as sharing your home with lodgers and page-link is on that basis. As above this would be an annual insurance quote and policy, which would continue, if after six months your Ukrainian guests move out and your home is solely owner occupied again.

If you will not be resident in the property, then the let home form for Homes for Ukraine would then be required for the purposes of providing a quote. landlord and tenant information

Slava Ukraini

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Should you work from home, whether it be clerical or manual work and use a home office or other outbuilding on your land, then it’s important to ensure that this is disclosed. If you have business visitors, including customers, to your home, this is more information that needs to be advised. Generally if cover can be provided, all business items and any stock, other than office equipment, would be excluded. As a rule home insurance policy wordings include cover for office equipment if you have home contents insurance cover. All liabilities connected to your occupation, business or profession would be excluded from cover and the policy would be endorsed accordingly. If you are running a small business from home and are looking for one policy combining the two, we would recommend a homeworker’s insurance, which are readily available by doing an internet search.

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Whilst there is no set definition for what makes up fixtures and fittings, but as a general rule of thumb fixtures is an item or items that you would expect to find in a private dwelling that is bolted to the floor or walls. Fittings again would be an item you would find in a home that is free standing or hung by a nail or hook.

Fixtures examples

• Light fitments, excluding the shades
• Built in wardrobes and cupboards
• Bathroom suites (sinks, baths, toilets and bidets)
• Kitchen units

Fittings examples

• Curtain rails
• Free standing domestic appliances (ovens, refrigerators and washing machines)
• Television aerials and satellite dishes

For a quote for a combined leaseholders improvements and contents insurance, please click on the link:

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We offer leaseholders the opportunity to purchase cover for their kitchen or bathroom and other fixtures and fittings they have installed, as well as contents insurance under one policy.

Leaseholders and kitchens

For a quote please use the link below.

Leaseholders Improvements Insurance

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When a leasehold takes the decision to replace the existing bathroom he or she is only thinking about the extra comfort this enhancement will bring, plus maybe more money on the selling price. It is unlikely they will realise that their investment may not be insured. Our advice is to check the block buildings insurance policy wording. If you kind yourselves in the situation where no cover applies then maybe we can help. We offer quotes and cover along with your contents insurance, with a variety of options for you to select.

Leaseholders for more details and a quote please follow the link: leaseholders improvements insurance

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A new fitted kitchen usually costs from £3,000 upwards, so a major outlay for anyone. This is an asset that is worth protecting in the event of insured damage, such as a fire or escape of water damage. We offer a solution if you find that your kitchen is not covered under the block policy. A policy with a quality insurer that is much more than just kitchen insurance. Other permanent fixtures and fittings not insured by the block policy would also be insured, like fitted bathroom, internal doors, leaseholder’s own flooring and other small fixtures and fittings. We sell this insurance along with contents insurance, with a combined discount.

Leaseholders for more details and a quote please follow the link: leaseholders improvements insurance

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As a live in landlord you need the right cover taking into account the circumstances. If you live in a house or bungalow we recommend insuring your buildings and contents insurance under one policy. Should you live in a flat or maisonette then we can offer contents insurance.

Live in landlord legal liability insurance

Whether you require a combined policy, or just contents insurance our policies including legal liabilities for accidents to paying guests. Meaning if the unthinkable happens and you are liable for injury or property damage our policy includes up to £2,000,000 liability cover, plus legal expenses. You contact the insurer’s claim department and give the details of the incident, then the insurer will take over. They will need with all third party correspondence, whether it be from the claimant or solicitor using their experience and resources. Taking the weight of dealing with legal paperwork off your shoulders. A worthwhile cover extension, which hopefully you will never need, but sometimes the unlikely happens.

Temporary accommodation and loss of rent

Cost of alternative accommodation and loss of rent cover is automatically included. Up to 20% of your contents and / or buildings and contents sums insured. If you rely on your income from paying guests this insurance will help protect your cash flow. In the event of a big claim under the policy making your home uninhabitable.

We hope that our policy will meet your requirements. For a quote please click on the quote button below:

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We are also within two miles of the M25 and the A3, so around ten minutes drive away. The village or small town of West Byfleet has a good range of shops, including a Waitrose store and three charity shops.

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