Using the Alexander Rose Independent online search engine for a new Buildings & Contents policy couldn't be easier. If you are looking for a new policy, or maybe just received your renewal quote from your existing provider and feel you maybe paying too much, just click on the link below and with the minimum of details input we can provide you with a list of top providers and costs.
Our Online system is a quick and easy way to compare a range of guaranteed quotes from a panel of the UK's Insurers, including AVIVA, Axa, Royal & SunAlliance, Zurich, Legal & General and Groupama. Your cover can be placed on risk immediately and policy numbers confirmed by email within minutes. Or if you're in a hurry and want to come back to us later, simply save your quote details (we just need your email address and a password) and pick up where you left us.
Click here to use our Buildings & Contents quote system.
If you have an accurate rebuild cost for your home (not the same as market value if you're new to this) and a reasonably accurate value for your contents then quote on Sum Insured Policy. If you don't have accurate valuations, then just say how many bedrooms you have and leave the sum insured as zero. The notional (or 'bedroom rated') policies offer very generous limits of cover...meaning it's very unlikely you will end up being under insured.
The basic initial quote we provide can be enhanced with the following options. Please consider these carefully as they add value and cover to your policy.
Policies can be extended to cover accidental damage or loss of items which you may take out of your home. This extension can cover such items as clothing, jewellery, cameras and sports equipment. You should enter the maximum value of items (individually worth less than £1000) that you are likely to have out of the home at any one time. This will set the cover at a level adequate to reimburse you for total loss of these.
You may have some items you want to cover outside the home which are worth more than £1000. For example, an expensive camcorder, watch or piece of jewellery. To arrange cover for these items you need to list them separately by clicking "Add Specified Items".
In addition to buildings insurance and contents insurance, most insurers offer accidental damage insurance for a small additional fee. If you're a little bit clumsy, have excitable children or simply have a lot of breakable and valuable stuff in your house, it can be well worth the money. Without this option selected, if you were to drop an expensive gadget down the stairs, spill paint on the carpet, put your foot through the ceiling etc... you would typically not be covered. Most Insurers include some garden cover within Buildings cover but you should select this option if you want the maximum protection for your lawns, trees, shrubs and garden ornaments.
The policyholder has to meet some of the cost of every claim and this is known as the "excess" (eg. the first £100 of each claim). For example, if you have a valid claim for damage to your home that will cost £500 to repair and your excess is £60, the insurance company will give you £540, which is the value of the claim minus the excess charge.
* Please note that damage to buildings caused by subsidence, heave and landslip is usually subject to a higher level of excess, typically around £1,000.
The policyholder has to meet some of the cost of every claim and this is known as the "excess" (eg. the first £100 of each claim). For example, if you have a valid claim for a TV set that will cost £500 to replace and your excess is £60, the insurance company will give you £540, which is the value of the claim minus the excess charge.
Don't forget to tell us how long you have been claim free. Likewise, always let us know if you have had to make a claim on any previous policy.
This option provides up to £75,000 of cover for legal expenses, such as:
- personal injury
- consumer disputes
- home rights
- employment disputes
We have many years of experience in the Financial Services industry offering mortgage advice in Norwich and throughout East Anglia. As Independent Mortgage Brokers, we are helping our customers benefit from our range of services. We focus on a face-to-face service, taking each client's situation into account. If you find daytime appointments difficult, evening appointments can easily be arranged in the comfort of your home. However, with an office in Norwich city centre and convenient parking nearby, you are welcome to arrange a daytime appointment if required. Whether you are a first time buyer venturing into the unknown and needing unbiased mortgage advice, or your current mortgage deal is coming to an end and you need to remortgage, or even an experienced landlord looking to review your Buy To Let mortgages, let us find the right deal for you.
The overall cost for comparison is 5.0% APR The actual rate available will depend on your circumstances. Ask for an illustration. The APR is variable and based on a usual case. A fee will be payable depending on your circumstances. An indication of the fee is 1% of the amount borrowed. Typically a fee of £299.00 will be charged. An early repayment fee maybe payable depending on the mortgage you choose. Adding existing debts to your mortgage will both extend the repayment term and increase the overall cost of the debt. Think carefully before securing other debts against your home. Your home maybe repossessed if you do not keep up payments on your mortgage. Alexander Rose Independent is a trading style of Independent Mortgages & Financial Solutions Ltd. Independent Mortgages & Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority No 480536.