Home & Legacy Frequently Asked Questions
We have access to exclusive rates with a number of leading UK Insurers which enables us to provide competitive premiums at the same time as providing excellent policy cover and service.
Home & Legacy works with a panel of insurers, offering quotations based on our unique wordings.
- Our home insurance panel includes: Highway Insurance (part of LV=), Ageas, Aviva, Ecclesiastical and RSA.
- Our motor insurance panel includes: Aviva and Highway Insurance (part of LV=).
- Our landlord insurance policies are currently underwritten by Allianz and Cigna Insurance Services (Europe) Limited.
Our minimum buildings sum insured is £100,000 and contents must total a minimum of £75,000.
We don’t have a maximum sum insured and will try to cater for all domestic household risks regardless of size or complexity.
We look at each case individually, and underwrite on merit, we can offer cover for a wide range of risks including thatched, unoccupied properties, properties with planned building works, as well as some other non standard risks. Please note that additional risk information may be requested and a survey appraisal may be required by insurers.
Our account handlers will issue renewals in good time before renewal date and in accordance with FCA requirements. Certain complex risks may require more detailed analysis and technical underwriting (i.e. risks that may have suffered complex or large losses during the policy year) but we will endeavour to keep you updated on progress in issuing documentation.
Upon receipt of the renewal invite we ask that you check through the documentation thoroughly and ensure that inaccurate or incomplete information or changes are notified to us. Additionally we require confirmation of your client’s intructions to renew the policy prior to the date of renewal.
Some of the higher value properties we cover, and those of non-standard construction, will receive a free risk management survey. This will include comprehensive and independent risk management advice from an experienced appraiser.
The surveyor will look at areas such as security and fire protection, flood and storm exposure, property maintenance and structural issues, occupancy and sums insured amongst other things. This will incorporate an internal survey of the house in the presence of the insured and an external survey of the house and outbuildings.
When a survey is requested it will be because it is a requirement of the insurer in order to provide the cover.
It will only be a minority of clients who will have the perception that a survey is an invasion of their privacy or used as a tool to hike up sums insured and thus premiums. We will do everything we can to help you demonstrate the positive aspects of a survey to your client and the "added value" service the findings can offer.
No photos will be taken of the inside of the property. Additionally, the surveying companies appointed by insurers are completely independent and have absolutely nothing to gain in falsifying or exaggerating sums insured to increase premiums.
Yes, monthly direct debit is available and we act as an introducer to Close Brothers Premium Finance.
For home and motor policies the payment can be spread over 10 months. No deposit is required for home insurance. A deposit may sometimes be required for motor insurance.
For home or motor insurance, when payment is spread over 10 months without deposit, the interest rate is 6% and representative annual percentage rate of charge (%APR) 15.45% (variable).
For landlord policies payment can also be spread over 12 months. The interest rate is 6% and representative (%APR) 12.54% (variable). The facility can only be offered to landlords with a UK correspondence address.
The %APR is the total cost expressed as an annual percentage of the total amount of credit and is provided to help compare different offers.
Please note a commission is paid to Home & Legacy for introducing business to Close Brothers Premium Finance - this is included within the interest charge.
Yes, our in-house claims team will notify you should one of your clients contact us regarding a potential claim and we will look to involve you throughout the process.
Our aim is to get it right, first time, every time. If we make a mistake we will try to put it right promptly and we would encourage you to call us because many complaints can be resolved quickly through a simple phone call. Otherwise please contact:
Home and Legacy Insurance Services Limited,
500 Avebury Boulevard,
Telephone: 0344 893 8370
Fax: 0344 893 8386
If you would like to find out in more detail how to make a complaint please refer to our Complaints Procedure.