CIS Home Insurance
Compare CIS Home Insurance With UK Market
- *Based on 10% of Admiral tier Instaquote building and contents combined customers between July and December 2020 paid from £115
- Choose from three levels of cover: Admiral, Gold or Platinum
- Unlimited buildings cover
- Up to £150,000 contents cover
- Bicycle cover (under £350)
- Optional additional cover including bicycle cover worth more than £350, high value items and personal possessions
- Optional extras including Family Legal Protection, Home Emergency Cover, Boiler Emergency Cover and Accidental Damage Cover
- 24 hour emercny helpline
- Moneyfacts’ Home Insurance Provider of the Year, Moneyfacts’ highest five star rating, Insurance Choice Awards Best Home Insurance Provider 2019
- Admiral.com Home Insurance is rated 9.1 out of 10 based on 4084 Revoo reviews from the last 12 months
- 20 million policies: Over the past 28 years, the Admiral Group has served millions of policies to our vast customer base.
Cover for your property, possessions and more.
Damage to your property and possessions
- Caused by events such as fire, theft, subsidence and flooding
- Includes damage to garages and outbuildings and their contents
Cost of alternative accommodation (including loss of rent)
- We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
- And if you’re a landlord, we’ll also cover you for any lost rent while the property is uninhabitable
Liability protection for injuries or property damage
- If you’re legally liable as the homeowner or occupier or if you’re an employer of domestic services (eg a cleaner)
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
- Wet rot, dry rot or frost damage
- Damage that’s been caused over time
- Fences, gates or hedges damaged in a storm
- Claims for poor workmanship or faulty design
Take a look at our policy wording for full details of what’s not covered.
* Excludes Home Emergency and Home Legal expenses
- Comparing quotes from a range of providers lets you find the best deal at the best price, with the add-ons you need
- Quickly compare home insurance quotes
- We’ll show you which home insurance quotes are the cheapest along with claims experience, a quality score, home emergency cover and cover level
- Once you’ve found a policy that suits your needs, you can call or click through to apply for your home insurance policy directly with the insurer
- *51% of consumers could save up to 41.70%, or £90.17. Consumer Intelligence, November 2019
- Save £££’s online with our home insurance policies
- Buildings, contents or combined insurance available
- Add on optional extras
- Low prices with great value insurance
- Flexible, comprehensive home insurance
- CCJ’s, bankruptcy or offenders acceptable
- Cover available for vacant property
- Non standard construction insurance available
- 9 out of 10 customers rate overall claims service as excellent
What do I need to get a quote?
Getting a home insurance quote normally takes about 8 minutes. But having the following at hand could speed things up:
Your property’s build date: you can find the actual date in your mortgage survey or home buyer’s report
The date you bought your house or when you moved in.
Locks and alarms: Confused provide useful lock pictures to help you find which locks you have fitted.
Details and cost of any claims in the last five years: This’ll be stated in your renewal documents. Alternatively contact your previous insurer.
The rebuild cost of your house: Confused will often fill this in for you. But you can also calculate it yourself, or hire a chartered surveyor to carry out an assessment.
The total cost of your personal belongings: If you don’t know this, you can use the Confused.com contents calculator.
The details of any items you wish to insure that are worth over £1,000.
Roof type: Which materials are used on your roof – such as asphalt shingle, tile, slate or thatched.
What does home insurance cover?
Home insurance falls into 3 categories – buildings, contents and combined buildings and contents insurance policies.
Buildings insurance covers the bricks and mortar of your home, and contents insurance covers your belongings. Typically, contents are anything you can pack up and take with you if you move home, such as furniture, clothes, and TVs.
Combined buildings and contents insurance policies can help reduce the cost of home insurance, but they’re usually only suitable if you own your home. They insure your property against damage, but also cover your belongings under the same insurance policy.
You can compare all three policy types through Confused.com.
You can also add optional extras to your policy, such as home emergency cover and legal cover – however, some providers might include these as standard. Accidental damage cover is another extra worth considering, as it covers unintentional one-off incidents that harm your property or its contents.
For example, putting your foot through the floor when you’re up in the loft, or spilling red wine on the carpet.
- Cheaper insurance based on what you actually own – Every policy includes a free video survey with one of our accredited surveyors – meaning that in just 15 minutes, you’ll have an accurate figure of the exact level of cover you need
- Quick and easy claims – for items under £5,000 the survey will also serve as proof of ownership – meaning smoother, faster claims
- Get a quote in 60 seconds
- Your data is protected by bank and government grade technology, ensuring the highest levels of security and privacy. Your data will never be shared without your consent
- No cancellation fees
- No administration fees to make changes
- 24/7 UK based claims service
- Contents cover can include bicycle & gadget cover
- Damaged items get replaced with new
- Underwritten by Great Lakes, a fully owned subsidiary of Munich Re Group who are one of the world’s leading reinsurers
CIS Home Insurance
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
- 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
- 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
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.
Home Insurance Providers
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