British Gas Home Insurance

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Rebuild Cost£50,000

5 Star home insurance from just £99
10% of all customers buying home buildings and contents insurance with us from June 2017 to August 2017 paid £99 or less (Source: Aviva). The price you pay will depend upon individual circumstances, cover chosen and payment method selected.

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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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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 Home Insurance Worth it?

We never know when an emergency situation could arise that affects our home. Whether it is an accident, weather damage, a fire, or theft, it pays to be prepared for the worst. Building repairs can be highly expensive and with most properties holding approximately £25,000 of contents, so making sure you have adequate home insurance is a sensible precaution.

 

Home insurance policies are usually flexible and most providers will either offer you a joint buildings and contents insurance policy or the option to buy them separately. It’s also possible to add-on optional extras depending on the exact type and level of coverage you think you will need.

 

British Gas Home Insurance Review

British Gas offer the following as standard with all of their policies:

  • 20% off insurance when you buy online
  • An online account to manage your policy
  • A UK based 24 hour claims line


Buildings Insurance

Helps protect the structure as well as the fixtures and fittings of your home. They offer buildings cover up to £1 million.


Contents Insurance

This policy helps protect your possessions including furniture, electrical equipment and jewellery. They offer contents cover up to £85,000, with a £12,000 limit for single valuable items


Optional Extras

There are a range of extra types of cover you can buy to match your personal needs. If you book online then British Gas offer 20% off any extras for the first year.

 

Dental Damage Cover

Add to your cover for protection against accidents at home

 

Personal Possessions Cover

Protection of your personal possessions when you’re away from home, such as your laptop and mobile

 

Bicycle Cover

This insures your bike and accessories against damage and loss, anywhere in the world

 

Garden Cover

Covers garden equipment and furniture against damage and theft

 

Student Cover

Protection for belongings while your child is at boarding school, college or university


Choosing Home Insurance

When you’re choosing your home insurance, there are many things to consider. We’ve narrowed down some of the key elements of home insurance which you should be looking for.

 

Is your property specialist?

If you own a listed building or if your property has an unusual feature such as a thatched roof, you may need specialist cover

 

Do you need buildings and content cover?

It’s generally advised that you take out both but it does depend on your individual circumstances

 

Does the policy provides enough cover?

All policies have their limits and it’s wise to make sure that your home is covered for the rebuild value rather than the market value. Cost your contents to make sure the policy will be enough to cover it all. Most people vastly underestimate how much their home contents are worth

 

What is New for Old and do I need it?

New for Old cover for your possessions is worth considering. This is offered as standard in many contents policies now and simply means that you will receive a similar but new product to the old item, rather than the value of the old one.

 

What excess are you able to pay?

Many home insurance policies come with excess charges, both voluntary and compulsory, so make sure your chosen provider’s excess policy works for you