The information in this form will be used to generate a proposal for cover and a premium for the period of insurance.
Please note that if you complete “Date cover is required from”, cover will commence from that date and without further notice. This is to ensure that you have buildings cover from, or as close as possible to, your intended cover date. Note that cover will only be effective and binding once you have paid for or agreed to pay the premium. Any claim made before payment is made will not be covered.
If you have paid for a policy and you change your mind within 28 days of cover commencing, please call or email us to cancel the policy. You can do this without cost to you. Note that if you have already made a claim on the policy we cannot return the premium to you.
When you complete the application form it is your duty and responsibility to provide complete and accurate information to the insurer.
Failure to disclose material information or any inaccuracies in the information given can lead to serious consequences. Your insurance cover could become void and any potential claim may be affected.
If any circumstances change which might affect your insurance, you have a duty to provide the insurer with all relevant details. For example, if you or anybody who normally lives with you has been convicted of any offence (other than a minor driving offence), or if your home is used for any business or profession, then you need to notify us.
If you fail to provide this information, the insurer can refuse any claim and refuse to renew or void your insurance completely.
If you have any doubt about a particular fact you should disclose it. If your home is lent, let, sublet or shared or if it is not your permanent place of residence you should disclose this to the insurer. It is a condition of your insurance policy that your home is in a good state of repair and will be maintained in this condition.
You must also inform the insurer if your home will be unoccupied for longer than the period stated in your policy, is about to undergo significant alteration or refurbishment or is showing any signs of damage due to subsidence, ground heave, landslip or flooding or if it has been repaired due to any of these issues.
If you choose not to insure with the block policy scheme, you should ensure that you have buildings insurance for your property.