Want to check something? You're in the right place. Here we've covered all the things you're likely to want to know about. What's a specified item? Are your valuables covered if you take them on holiday? What's home emergency cover? You'll find the answers to these and many more below.
Not always. Your contents cover usually covers items temporarily away from your home but in another building, like your office.
You can add personal belongings cover to your policy to insure items such as jewellery and luggage when you're on holiday.
This is additional cover you can add to your home insurance policy to cover things like your phone, money or luggage when you take them out of your home.
You'll need to tell us about anything worth more than £1,500 or it may not be covered.
To add personal belongings cover to your policy, get in touch.
Not necessarily. If you buy a new property all you need to do is let us know.>In most cases we can change the address details on your policy. There's a £25 fee and your premium could go up or down.
If you're making structural changes to your property, you need to let us know so we can make sure you're covered if anything goes wrong.
Structural changes include extensions, refitting kitchens and bathrooms and knocking down/building walls.
If you're just making cosmetic changes like painting, plastering or fitting a carpet, you don't need to tell us.
Your pedal cycle is covered automatically at home under the contents section of your policy.
However, if you want it to be covered away from home you will need to either have personal possessions away from home cover or let us know that the cycle is away from home.
If you let us know you have a burglar alarm and want to add it to your policy, it may reduce your price. However, you need to make sure it's on at night, even if you're at home and at all times when the house is unoccupied – if it's not, you won't be covered and any claims you make may be refused.
If you'd prefer to set the alarm as you like without it impacting your cover or any claims you make, just don't tell us you have an alarm.
Yes you do, but for home insurance, we refer to it as 'claims free years'.
When you come to renew your policy, we'll review how many years you've had without making a claim and give you a relevant discount.
Most of our home customers will auto-renew and we do this to ensure your home's always covered should the unexpected happen.
Your policy documents will show if you're set to auto-renew. If you don't want this option, please let us know.
Home emergency cover's one of our additional products you can add to your policy.
It offers a 24 hour helpline to report emergencies - we'll arrange for an approved contractor to come to your property and carry out emergency repairs that are immediately necessary to:
You'll be covered for emergency assistance of up to £1,000 including the callout charge, parts and costs to make the repairs.
This is an additional product you can add to your home policy for £24.99 and it comes as standard with a Hastings Premier policy.
Family legal protection offers a 24 hour helpline for legal advice, debt counselling and cover for up to £75,000 in legal fees to pursue civil proceedings in the following situations:
Specified items are valuable property or personal belongings that are individually worth more than £1,500.
This means that if you have any items in your home that are worth more than £1,500, you need to let us know.
Valuable property includes things like:
Accidental damage covers you for damage caused by one off accidents to either your property or its contents.
You're automatically covered for damage to:
You can upgrade to our additional level which also covers you for things like spillages on your carpet or sofa.
You can upgrade to our additional level which also covers you for things like putting your foot through a ceiling or leaving a tap running.
You can see if you're covered in your documents under 'Statement of insurance'.
A 'family member' is:
Outbuildings cover is cover for structures that don't form part of the main building of your home and are used for domestic purposes.
We don't cover:
We cover student belongings for up to £2,500, as long as the items are kept in halls of residence and the student permanently lives at the address on the policy. There's more information about this in your policy booklet.
Yes, in all cases you'll need to pay your excess when you make a claim.
This is the combined total of your compulsory and voluntary excesses shown on your insurance schedule.
You can find your insurance schedule in your policy documents.
Buildings insurance covers the physical structure of your property including the roof, floors and walls.
Contents insurance covers items inside the property, like furniture, carpets and freestanding appliances.
Some handy ways to protect your home and everything in it.
When it comes to your home, it's important to take every step to protect you and your loved ones from a fire…Read our guide
Be careful about how much personal information you share on the web. Being too open could leave you vulnerable to…Read our guide
From installing CCTV to using light switch timers when you're on holiday, there are plenty of things you can do…Read our guide