Is Castle Cover home insurance right for you?
Emergency situations at home cannot be anticipated, so people are rarely financially prepared for when their property is subject to an accident, adverse weather damage, a fire or theft. Building repairs are expensive and with most properties holding approximately £25,000 of contents, home insurance is a sensible precaution to be ready for the worst.
Home Insurance is generally separated in to buildings and content cover. With Castle Cover you can purchase these policies together as one joint cover plan or you buy them separately as you require.
Castle Cover Insurance Home Insurance Review
Castle Cover home insurance aims to bring you cheaper cover for your home and its contents because it specialises in insurance for the over 50s. This means if you are 50 or older, you might be able to save money on comprehensive cover for your home.
Advantages of choosing Castle Cover
- New for Old replacement of damaged items
- Up to 20% discount for those with approved home security measures
- Instant cover
- Access to a 24/7 UK-based call centre
- No administration charges when you manage your policy online
- Up to £500,00 included, as standard
- Gardens and other external buildings and features such as sheds, pools, tennis courts, and garages are covered
- Removal of debris, up to £50,000
- Alternative accommodation up to £100,000
- Property owner’s liability up to £2 million
- Up to £50,000 contents cover included, as standard
- New for Old replacement of damaged or stolen items
- Contents out in the open are covered up to £500
- Accidental damage cover to electronics is included
Home Emergency Cover
Covers you for emergencies around the home and will provide you with overnight accommodation if needed, transport to accommodation and the callout, labour, parts, and materials fee.
Legal Expenses Cover
Provides access to a range of legal service as well as £50,000 cover for legal costs.
£10 reward paid to anyone who finds and returns your keys and you are covered for up to £1,500 for replacement locks and keys.
Makes sure that your external fixtures which are not covered by the standard insurance are taken care of. This includes: gates, garden fences, plants, ponds and rockeries.
What is an Excess?
An excess is the sum you have to pay when you claim on your insurance. Normally, the cheaper the insurance the higher the excess or the more restrictions that are applied when it comes to claiming.
Generally, there are two kinds of excess: a compulsory excess and a voluntary excess. Compulsory means that your insurer will set the price and you must pay it, whereas voluntary excess is set by yourself.
Remember to set your voluntary excess carefully. If you're willing to contribute a large amount towards a claim, your insurer will reward you with a lower premium, but this could make claiming on your policy more expensive.