Bradford and Bingley Home Insurance

Compare Bradford and Bingley Home Insurance

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Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline

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£500,000£60,000

5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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Unlimited£100,000

Existing customers only

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with Gocompare.com (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Is Bradford and Bingley home insurance right for you?

Home Insurance is a non-compulsory form of property insurance which is designed to protect against damage to your property or to the belongings within your home.

 

What can be insured?

Home insurance can be very basic or cover a lot more depending on your provider and what polices you take out. The two main types are:

 

Building Cover

This covers the actual structure of the building. The walls, windows, floor and roof and will also include permanent features such as the kitchen and bathroom set. Policies do vary but this kind of cover will normally insure your property against flooding, burst pipes, theft, fires and weather damage.

 

Extra cover can normally be added if you need and many people like to also take out accidental damage cover, giving well-rounded protection for your home.

 

Contents Cover

Most families will have contents in their property valuing over £20,000. Many families have a great deal more. The idea of replacing these items due to flooding, theft, leakage, natural disasters is a worrying thought for many.

 

Contents insurance removes this worry. It will normally cover everything from jewellery to carpets, curtains, and electronic devices. Always read your policy carefully because every insurer will have a limit on what they are willing to pay out, so make sure your policy is adequate to cover what you need it to.

 

You can usually get these two types of cover as a joint policy from one insurance company or you can buy both types of insurance independently.

 

Bradford and Bingley Home Insurance Review

Bradford and Bingley provide a range of customer benefits with their insurance:

  • 24 hour UK claims service
  • Alternative accommodation provided as standard if your property is undergoing repair
  • 10% increase of contents cover for one month before and after weddings and Christmas
  • 30% no claims discount
  • Items are replaced on a new-for-old basis
  • Online self-service system which allows you to view your policy and make payments

 

Bradford and Bingley home insurance features

  • Contents cover up to £99,000
  • Buildings cover up to £750,000 for buildings up to 5 bedrooms
  • Cover for accidental damage included as standard (plus option to increase the limit if necessary)
  • Outdoor Cover up to £1000 for contents within outbuildings, garages and sheds
  • Key cover if your keys are accidently lost or stolen up to £500. New locks can be fitted or new keys provided
  • Student cover for your child is provided up to £1000 with the standard contents cover policy

 

Optional extras

Family Legal Protection

Up to £50,000 worth of financial supports per incident for your legal costs. You will also have access to a confidential legal helpline, 24 hours per day.

 

Extra Keycare Cover

Up to £1,500, this includes keys to your car, home, office or caravan, it won’t affect your no claims discount on your car or home insurance when you use this service, no excess to pay.