CIS 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.

CIS (now Co-operative) Home Insurance Review

CIS have rebranded as Co-operative. They offer a comprehensive level of cover but remain flexible, allowing you to choose between contents cover, buildings cover or both. They also offer a range of extra options to choose from to help you build a comprehensive home insurance plan that works for you.

 

Some of the advantages include:

  • 50% off contents cover - when you buy buildings and contents insurance together.
  • Co-op members get an exclusive price on home insurance plus £50 of Co-op Food vouchers
  • The option to choose your own excess - choose a higher excess to make your premium lower (some exclusions apply)
  • Dedicated 24/7 claims line for members
  • Up to £50,000 legal expenses cover - included as standard
  • 24-hr legal advice help line

 

Co-operative Home Insurance Features

Buildings

  • Up to £500,000 buildings cover for loss or damage after specific events like fire, flooding, storms etc.
  • Property owner’s liability up to £2,000,000 plus legal costs
  • Loss or rent and alternative accommodations costs up to £20,000
  • Accidental breakage of fixed glass in doors, windows, greenhouses etc.
  • Accidental damage to underground pipes, drains and cables
  • Cover for outbuildings such as sheds, garages and greenhouses
  • Architects and surveyors costs covered
  • Legal expenses up to £50,000

 

Contents

  • Your contents are insured up to the amount you choose
  • New for Old replacement on your items
  • Theft from outbuildings covered up to £2,000
  • Personal and occupier’s liability up to £2,000
  • Tennant’s liability up to 20% of the sum insured
  • Personal money in the home is covered up to £250 and the fraudulent use of credit ards is also covered up to £250
  • Contents in the garden are covered up to £500
  • Food in the freezer is covered up to £1000
  • Replacement of locks and missing keys up to £500
  • Accidental damage of technology and accidental breakage of mirrors, fixed glass in furniture and ceramic hobs is included
  • Student’s belongings protected up to £5000
  • Fatal injury in the home up to £5000

 

Optional Extras

On top of your standard cover, you can also add a range of extra add-ons to provide cover for everything you need protected.

Home Emergency cover with HomeRescue Plus.

This covers you up to £250 including VAT for certain emergency repairs

 

Personal Possessions cover

This optional extra allows you to insure your possessions outside of the home

 

Additional Contents Accidental Damage cover

This optional extra will protect you further for damage such as spilt paint on your carpet or furniture

 

Additional Buildings Accidental Damage cover

This optional extra will protect you further against DIY accidents such as drilling through a pipe or cable

 

What is an excess?

Many insurance policies require you to pay out an amount of 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 more restrictions are applied when it comes to claiming.

 

There are two kinds of excess: a compulsory excess and a voluntary excess.

 

A compulsory excess is set by your insurance and you must pay this when making a claim. A voluntary excess is set by yourself and is intended to give you some flexibility over whether you pay more in monthly premiums or more when making a claim. The higher your voluntary excess, the lower your monthly premiums and vice versa.