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Buildings & Contents Insurance Factfind

Let our team of advisors help you to find the right buildings and contents insurance for you.

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PERSONAL INFORMATION

Applicant 1

Title: *
Forename: *
Surname: *
Address: *
Postcode: *
Daytime Tel No: *
Evening Tel No: *
Mobile:
Email Address: *
Date of Birth: *	/ /
Nationality: *
Sex: *	Male Female
Occupation: *

Applicant 2 (if applicable)

Title:
Forename:
Surname:
Address: Same as Applicant 1
Postcode:
Daytime Tel No:
Evening Tel No:
Mobile:
Email Address:
Date of Birth:	/ /
Nationality:
Sex:	Male Female
Occupation:

PROPERTY DETAILS

Is the insurance to cover the address above? *	Yes No
Property Address: *
Property Type: *
What is the main construction of the walls? *	Please Specify:
What is the main construction of the roof? *	Please Specify:
How many bedrooms does the property have? *
How many reception rooms does the property have? *
How many garages does the property have and are they integral to the house (joined to it) or detached, i.e. built within the boundaries but separate from the house? *
What year was the property built? *
Is the property fitted with a smoke detector? *	Yes No
Does anyone who lives in the property smoke? *	Yes No
Is the property fitted with an approved burglar alarm? *	Yes No Make & Type: *
Is the burglar alarm connected to the local police station or is it ‘audible only’, i.e. an alarm that just rings and maybe has a blue flashing light? *	Connected to Police Audible Only
Is the property fitted with approved locks to all windows and doors? *	Yes No
Is the door that is used as a final exit door from the home fitted with a mortice deadlock of at least 5 levers conforming to BS3621? *	Yes No
Are all other external doors fitted as above or at least with locks conforming to BS3621? *	Yes No
Are any patio doors fitted with key operated locks or bolts to prevent lifting? *	Yes (or not applicable) No
Is the property in a Neighbourhood Watch area? *	Yes No
Is the property solely going to be occupied by you and members of your family? *	Yes No
How many people will reside at the property? *
If you and your family will not live in the property please provide details of the occupants i.e. will it be rented to tenants etc.?
Is the property a weekend home, or will it be left unattended for more than 30 days at a time? *	Yes No
Will the property be regularly left unattended (other than normal working hours)? *	Yes No
Will the property be used for trade, business or professional use? *	Yes No
Is the property in a good state of repair? *	Yes No
Has the property or the surrounding area ever suffered from subsidence, landslip, heave, coastal or river erosion? *	Yes No Please provide details: *
Does the property show any signs of bulging or cracking walls? *	Yes No
Has the property to be insured ever been underpinned or provided with any forms of structural support? *	Yes No Please provide details: *

DECLARATION

Have you made any claims in the last nine years? *	Yes No Please provide details for all claims including date of claim, amount & reason: *
How long have you held buildings insurance? *
How long have you held contents insurance? *
Have you or anyone normally resident with you been convicted of any offence, other than driving offences? *	Yes No Please provide details: *
Have you or anyone else at your address got any convictions or cautions other than driving related offences pending? *	Yes No
Have you ever had any home insurance cancelled, declined, declared void or had any special terms imposed? *	Yes No
Have you or anyone normally resident with you sustained any loss, damage or liability whether insured or not during the last five years arising from risks which can be insured under a home insurance policy? *	Yes No Please provide details: *
Have you or any member of your household been declared bankrupt or been the subject of any bankruptcy proceedings? *	Yes No Please provide details: *

BUILDING AND CONTENTS COVER REQUIREMENTS

BUILDINGS COVER

What is the re-build cost of your property? (The sum assured should be stated on your existing policy schedule and/or renewal notice) *	£ Warning – do not under-insure! ‘Average’ applies – see explanation below
What is the maximum buildings cover excess (for all claims excluding subsidence) that you wish to accept (The higher the excess, the lower the premium)? *	£
Do you require accidental damage cover? (To cover broken windows etc.) *	Yes No
Is there any interested party (i.e. your mortgage lender) to be noted on the policy? *	Yes No Please state the name of the bank or building society: *

CONTENTS COVER

What is the estimated maximum value of the contents of your home that you need to cover? *	£ Warning – do not under-insure! ‘Average’ applies – see explanation below
What is the maximum excess that you wish to accept (The higher the excess, the lower the premium)? *	£
Do you require accidental damage cover (For example, to cover spilling paint on the carpet)? *	Yes No
Are there any valuable items valued over £1000 that you wish to cover? *	Yes No Please provide details of items to be covered: *
Do you require personal possessions cover for any valuables whilst away from the home for example to cover loss of rings etc.? (Think carefully about whether you really want to cover personal possessions, because this type of cover is proportionately expensive) *	Yes No Please provide a description of items to be covered and the value of each: *

OTHER BENEFITS (Note – these are not available from all insurers)

Do you require Home emergency cover? *	Must Have Prefer It No Thanks
Do you require Legal Expenses cover? (For example, to cover you if somebody tries to sue you if they are injured on your property. We do recommend this cover.) *	Must Have Prefer It No Thanks
Do you require No Claims Discount Protection? *	Must Have Prefer It No Thanks

AVERAGING If the rebuild cost of your house is £200,000 and you only insure it for £100,000, and a fire does £100,000 worth of damage, the insurer will ‘average’ the damage because you are under-insured, i.e. you have only insured half the value of the house, so the insurer would only pay out half the claim, i.e. £50,000 for £100,000 of damage less any excess. IT IS ESSENTIAL THAT YOU DO NOT UNDER-INSURE! IF YOU ARE NOT SURE ABOUT THIS PLEASE ASK OUR ADVICE.

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