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Home Insurance Quote


About Your Home

Before you start your online quote...
Throughout the quote form we have provided guidance in the form of 'Help Tips' which appear down the right hand side, and should be read in conjunction with the questions.

Some of the details we collect are defined as sensitive under Data Protection Law and by proceeding with this quote you are agreeing to these details being processed.

Our Service

We provide a non advised sales service, this means we will provide you with sufficient information to enable you to make an informed decision on the purchase of your car insurance.

We will not make a formal recommendation for you, so please consider all information carefully to ensure the policy meets your requirements before you decide to proceed.


To provide you the policy holder with a quote we have made some assumptions about you and the property. Please check our assumptions are accurate then tick the box to say you agree. Any errors may invalidate your insurance or future claims. If you cannot agree to any of these then call us on 0800 048 3036 or use our call me back form.

You and any joint insured:
  • must be a permanent resident in England, Scotland, Wales or Northern Ireland (we regret we cannot offer quotes for residents of the Channel Islands or the Isle of Man)
  • are not students, unless a mature student who does not live away from home
  • have no criminal convictions, have never been refused insurance, had any special terms imposed or had a policy cancelled or declared void by an insurer
  • have never been declared bankrupt and have no County Court Judgements (CCJs) in the last 6 years
  • have earned any no claims bonus that you are using on a household policy in the UK and it has not expired more than 30 days ago
All persons residing at the property:
  • do not have any claims from subsidence or flooding
  • do not have any pending or unsettled claims
  • do not have any convictions which are not considered spent
The property construction:
  • is of standard construction, being built of brick or stone with a slate or tiled roof
  • if constructed of a timber frame must also be built of bricks and after 1980
  • is in a good state of repair and does not have any construction work in progress
  • is not under a preservation order
The property:
  • is not a bedsit or a room in halls of residence or barracks
  • if a holiday home, is used only by family and friends and it is not commercially let
  • is not used for any business purposes other than clerical use only
The property and garden/grounds:
  • does not have any trees over 3 metres / 10 feet tall that are within 7 metres / 23 feet of the property
  • has not had any previous problems with any tree on your property or a tree that you are legally responsible for
  • is not within 400m of the sea, a river, watercourse, lake or reservoir
  • is not in an Environment Agency defined flood risk area
  • has never suffered from any flooding to the best of your knowledge
  • is free of and has never suffered from any of these; subsidence, landslip and heave and is not underpinned or provided with other means of structural support to the best of your knowledge
Use of the property - if main residence:
  • is being used as your main home and is not unoccupied at the point of purchasing this policy
  • is not left unoccupied for more than 30 continuous days in any one period of insurance
  • is not shared by anyone who is not an immediate family member
Use of the property - if holiday home
  • is only used by family and friends and is not commercially let
Use of the property - if let:
  • is on an assured, shorthold tenancy of minimum 6 months contract and is professionally managed
  • the tenant is a family unit, a single person or two people sharing who is gainfully employed and rent is paid solely from the tenant
  • is occupied by tenants or will be within 28 days and has not been left unoccupied for the last 28 days
  • is not sublet or let via or to persons referred by the DSS Local Authority, Housing Association or charitable organisations, refugees or asylum seekers or to a company

* required details


The Property

First choose whether you own or rent the property, then select the description that closest matches your circumstances.

If you cannot find a match on the list, please phone us on 0800 048 3036 for a quote.

We cannot quote if you rent a room in a shared house, live in a bedsit or in halls of residence


Select the property description that closest matches the property you wish to insure.

The property must be self contained with its own front door.


Please enter the year that your property was built if known. If unsure, please enter an approximate year.


Please choose when the home is mostly left unoccupied.

If you leave your home unoccupied for more than 30 consecutive days please call us on 0800 048 3036 for a telephone quote.


Please choose how many bedrooms your home has. This includes any rooms that were originally designed as bedrooms, but are now used for other purposes, e.g. study or computer room.


If you have selected "yes" to being a member of a Neighbourhood Watch scheme, then you must be an active member, i.e. regularly attend meetings.

An endorsement may show on the next pages confirming the exact conditions required by the insurer. If you cannot comply with it, please select "no".


If you have selected "yes" to having door and window locks, please note that all external doors must be fitted with locks that comply to British Standard BS3621.

Any French doors or patio doors must lock top, middle and bottom.

All ground floor and accessible windows must have key operated locks, and be locked when the house is unoccupied or you have retired for the night.

An endorsement may show on the next pages confirming the exact conditions required by the insurer. If you cannot comply with it, please select "no".


An alarm must be installed, maintained and serviced annually by either a NACOSS (National Approval Council of Security Systems) or a SSAIB (Security Systems and Alarm Inspection Board) supplier to be approved.


Please input your postcode and then click the "Find" button to obtain a list of addresses with your postcode.

You should then select your address from this list, don't worry if this isn't completely accurate as after selection you will be able to modify the first two lines. For example you may need to add a flat number.

Policy Details

You need to consider whether a combined policy is more suitable for your financial needs as opposed to separate policies for both buildings and contents.


Please enter the date you would like your insurance to start.

You can get a quote for up to 12 months in advance, but you can only buy the policy within 30 days of when the policy is due to start. As we regularly update our prices, your quote can only be guaranteed at the time of purchase.

If you have not purchased the property yet or started a rental agreement, then please input the date you anticipate completing purchase or when your rental agreement starts.

Claims, Losses or Damage

Have you or anyone living with you made any household (building or contents or personal belongs) claims or suffered any loss or damage - whether insured or not – in the last 5 years? Please click "Add Claim" to enter add your claims, losses or damage to the policy.

Please advise of any household claims, losses or damage to the property incurred in the last 5 years whether insured or not. This should include any incidents that resulted in damage to the property, items being stolen or injury to other people for example: burglary, vandalism, fire, water or storm damage.  If this is your main residence include claims made by anyone living at the property.  If you are insuring a property that is let to professionals then include all claims made by yourself as well as any relating to the property.  Note that we cannot provide cover if there are any claims which are pending settlement.

Please click the "Add Claim" button to enter your claims, losses or damage to the policy.

Personal Information

Please note that in accordance with the European Directive that came into force in December 2012, the price of your policy will not be affected by your gender and your premium will be "gender neutral". We collect gender information for documentation and administrative purposes only.


Please input your postcode and then click the "Find" button to obtain a list of addresses with your postcode.

You should then select your address from this list, don't worry if this isn't completely accurate as after selection you will be able to modify the first two lines. For example you may need to add a flat number.


Any work that you undertake for more than 16 hours per week and are paid for is classed as full time.

If you work 16 hours or less per week then this is classed as part time.

You only need to declare voluntary work if you receive payment other than expenses.

We cannot insure you if you are a full time student, unless you are a mature student and do not live in student accommodation. Please call us if you are not sure whether or not you qualify.


If you work 16 hours or less per week then this is classed as part time.

Any work that you undertake for more than 16 hours per week and are paid for is classed as full time.

You only need to declare voluntary work if you receive payment other than expenses.

Joint Insured

Please choose whether you wish to have your spouse, common-law spouse or an immediate member of your family named on the insurance policy.

The policy should be in joint names if both you and a partner share a financial interest in the property, e.g. if the mortgage is in joint names. We can then speak to either you or any joint insured about the policy and either of you can submit a claim.

Recall Quote Details

Please complete your email address carefully, as this will be used as your login allowing you to recall quotes and buy at a later date. If you have previously gained a quote then simply use the same email address and this quote will be added to your account.


Please ensure that you input your email address accurately as this will be used as your login username allowing you to recall quotes and buy policies at a later date.

Keeping You Informed

insure.co.uk is a trading style of Hastings Insurance Services Ltd. The information you provide may occasionally be used to inform you about details of similar products, services and special offers provided by us and our selected partners. By ticking the relevant boxes below you are agreeing for us to use your information in this way.

Your data will be used in accordance with our privacy policy

Introducer Arrangements

A third party may have introduced you to us and for this the introducer may be paid a fee by us. We may also, with your consent, introduce you to other third parties, for which we may be paid a fee.

Data Protection

Any personal data you provide will be held securely and in accordance with the Data Protection Act 1998. The information you have given us will be held and used to manage your insurance policy, which will include both underwriting and claim handling. For this purpose we may disclose it to other interested third parties, for example insurers, other intermediaries, uninsured loss recovery agencies, regulatory authorities for the purposes of monitoring and/or enforcing compliance with any regulatory rules/codes, other third parties involved (directly and indirectly) in your insurance, and agents (including claims handling agencies) who provide services on our behalf.

We may also need to disclose personal data to a third party so that the service you requested can be provided. It may also be necessary to transfer it to countries outside the European Economic Area.

Your calls may be monitored and recorded in order that the service may be improved and to help prevent and detect fraud. Documents received by us are filed electronically. We may check information provided or received and we, our insurers and our credit providers may also undertake credit searches and additional fraud searches. We may also pass information about you to credit reference agencies and premium finance providers in connection with the assessment of your financial stand ing generally and, in particular, where you have requested a premium instalment plan. This may include details of your payment record with us.

By accepting this policy you consent to our processing personal data including sensitive data about you and other persons who may be insured under the policy. You understand that all personal data you give to us must be accurate and that you have the specific consent of those other persons to disclose their personal data.

Insurers pass information to the Claims and Underwriting Exchange Register (CUE), run by Insurance Database Services Ltd, the Hunter Database, run by MCL Software Ltd., and the Motor Insurance Anti-Fraud and Theft Register (MIAFTR), run by the Association of British Insurers (ABI), and other databases. We, and your insurer, may search these registers as this helps us to check information provided and to prevent fraudulent claims. We may also undertake credit searches and additional fraud searches. Under the conditions of your policy you must tell us about any incident (such as an accident or theft) which may or may not give rise to a claim. When you tell us about an incident we will pass information relating to it to the registers.

Credit checks

We and/or your insurer may pass information about you to credit reference agencies, where it is necessary to carry out a credit check search on you before we and/or your insurer provide you with any services (including quotations and prior to offering a renewal). You should be aware that the results of those searches will be recorded by the credit reference agencies and that we and/or your insurer and other organisations may use those records in order to help make credit decisions about you, people financially linked to you and others in your household. Often insurance and other financial services providers will only request a credit check once you have decided on a particular supplier. Every application you submit for a loan or credit card, however, may affect your credit score so you may wish to keep applications to a minimum to protect your credit rating.

Motor Insurance Database – Continuous Insurance Enforcement

Information relating to your insurance policy will be added to the Motor Insurance Database ("MID") managed by the Motor Insurers' Bureau ("MIB"). MID and the data stored on it may be used by certain statutory and/or authorised bodies including the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:

  • Electronic Licensing
  • Continuous Insurance Enforcement
  • Law enforcement (prevention, detection, apprehension and or prosecution of offenders)
  • The provision of government services and or other services aimed at reducing the level and incidence of uninsured driving.

If you are involved in a road traffic accident (either in the UK, EEA or certain other territories), insurers and or the MIB may search the MID to obtain relevant information.

Persons (including his or her appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.

It is vital that the MID holds your correct registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized by the Police. You can check that your correct registration number details are shown on the MID at www.askmid.com

You can find out more about this from your insurer, or at www.mib.org.uk

You should show these notes to anyone insured to drive the vehicle covered under this policy.

Your information may also be used for customer services, marketing (including customer profiling), offering renewals, research and statistical purposes, and crime prevention. We may share your information with our agents or service providers and with third parties with whom we have a business relationship, for the purposes described above. If you give us information about another person, in doing so you confirm that they have given you permission to provide it to us to be able to process their personal data (including any sensitive personal data) and also that you have told them who we are and what we will use their data for, as set out in this notice. If you, or any other person of whom you have provided details, do not wish your data to be used for marketing purposes, you can write to our Data Protection Officer at insure.co.uk, Conquest House, Collington Avenue, Bexhill-on-Sea, East Sussex, TN39 3LW.

In the case of personal data, with limited exceptions, you have the right to access and if necessary rectify information held about you by formal written application to our Data Protection Officer at insure.co.uk, Conquest House, Collington Avenue, Bexhill-on-Sea, East Sussex, TN39 3LW.

We recommend you keep this document safely with your policy and all other documents relating to your insurance. We have shown, within your documentation, the information that you supplied to us, and on which your premium has been calculated. In the event of a claim, or on request, you must be able to substantiate this information, so it is important that you check it, and can agree that it is all correct to the best of your knowledge and belief. If anything is not correct or differs from what you told us, you must contact us immediately, as otherwise your insurance may be rendered invalid, or your insurers entitled to avoid payment of a claim. In particular, you must remember that you have to disclose all material facts to us. Material facts are any facts that are likely to influence an insurer in his acceptance or rejection of your risk. If you are in any doubt as to whether a fact is material or not, you should disclose it to us. If the information is NOT true and complete, your insurance may not protect you in the event of a claim. It is an offence under the Road Traffic Act to make any false statement or to withhold any information for the purpose of obtaining a certificate of motor insurance. If you provide an answer or information which you know is untrue you may be committing a criminal offence. You must also disclose all information which you know we would want to take into account in evaluating your proposal (e.g. previous accidents). Failure to provide such information may be a criminal offence. These offences are punishable with up to 10 years imprisonment and/or a fine.

It is important to note that, if the vehicle is to be driven by anyone who has, to your knowledge, had motor insurance refused or cancelled at any time in the past, the agreement of the insurers MUST be obtained before cover can be granted. It is important that your vehicle is kept and maintained in a roadworthy condition with a valid MOT certificate where required by law.

You can advise us of any amendments by phoning us on 0844 879 3015, by emailing us at cs@insure.co.uk, by faxing us on 01638 782301, or by writing to us at insure, Rosalind Franklin House, Fordham Road, Newmarket, Suffolk, CB8 7XN.

Help Tips

insure and insure.co.uk are trading names of Hastings Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority - firm reference number 311492. Calls may be recorded for our mutual protection. All policies sold are subject to English Law. Registered Office: Conquest House, Collington Avenue, Bexhill-on-Sea, East Sussex TN39 3LW (registered in England and Wales no. 3116518).

Charges to 0844 numbers will vary. Please check with your service provider.

© 2014 Hastings Insurance Services Limited.

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