You will need to complete and agency agreement form which can be found on our website. It may also be of use to discuss agency detail with our Business Support Analyst who will be able to guide you through this process.
Nathaniel Filer
Business Support Analyst
Telephone: 0208 607 2109
Email: Nathaniel.filer@homeandlegacy.co.uk
Visit our website at www.homeandlegacy.co.uk or alternatively please call us and we will be happy to discuss or send out our product literature.
There are a number of ways you can do this.
Feel free to call us on 0844 893 8360 and one of our new business underwriters will happily discuss risk details and provide terms
Otherwise you can submit quotation details via our online quotation form – see www.homeandlegacy.co.uk for details.
Otherwise please fill out one of our household quotation forms and e-mail through to new newbusiness@homeandlegacy.co.uk or fax through on 0844 893 8386.
We will endeavour to provide terms to you within 24hours of receipt of your quotation request. Some complex or larger risks will require referral to our technical underwriting team or insurers for bespoke terms and acceptance but we will keep you updated of progress throughout.
We have access to exclusive rates with 6 leading UK Insurers which enables us to provide competitive premiums whilst also providing excellent policy cover and financial security as peace of mind.
Which Insurers underwrite the Home & Legacy products?
H&L have a panel of insurers offering quotations based on our unique wordings. This panel includes the following insurers:
Allianz, AXA, Legal & General, NIG, Norwich Union, RSA.
Our minimum buildings sum insured is £100,000 and contents and fine art must total a minimum of £40,000.
We don’t have a maximum sum insured and will try to cater for all domestic household risks regardless of size or complexity.
H&L look at each case individually, and underwrite on merit, we can offer cover for a wide range of risks including thatched and listed buildings as well as other non-standard risks; though additional risk information may be requested and a survey appraisal may be required by insurers.
H&L works on a ‘statement of fact’ basis allowing you to confirm cover over the phone. Additionally we are able to email quote schedules and policy documents to you should urgent written confirmation of cover be required.
Please either call through to obtain a quotation or discuss terms and requirements. Alternatively please e-mail requests/instructions to service@homeandlegacy.co.uk or write to us at 500 Avebury Boulevard, Milton Keynes, MK9 2LA.
Our dedicated team of renewal account handlers will issue renewals in good time before renewal date and in accordance with FSA requirements. Certain complex risk may require more detailed analysis and technical underwriting (i.e. risks that may have suffered complex or large losses during the policy year) but we will endeavour to keep you and your client updated on progress in issuing documentation.
Upon receipt of the renewal invite we ask that you check through the documentation thoroughly and ensure any material facts or changes are notified to us. Additionally we require confirmation of your client’s intructions to renew the policy prior to the date of renewal.
Many of the properties we cover will receive a free risk management survey. This will include comprehensive and independent risk management advice from an experienced appraiser.
The surveyor will look at areas such as security and fire protection, flood and storm exposure, property maintenance and structural issues, occupancy and sums insured amongst other things. This will incorporate an internal survey of the house in the presence of the insured and an external survey of the house and outbuildings.
Unfortunately the perception of a minority of clients is that a survey will be an invasion of their privacy or used as a tool to hike up sums insured and thus premiums. This is not the case with the surveys we conduct. Photo's will not be taken of the inside of the property and the report data is stored in a safe and effective manner and not passed on to any 3rd parties. Additionally the surveying companies we use are independent and have absolutely nothing to gain in falsifying or exaggerating sums insured to increase premiums.
Ultimately the survey requirement is a policy condition where applied. This will be made very clear at new business, change of address or renewal stage and we will do everything we can to help you demonstrate the positive aspects of a survey to your client and the "added value" service we are offering. If this still does not change the perception of the client then ultimately we have little choice but to discuss cancellation of the risk.
Yes direct debit is available with payment over 10 months. No deposit is required and there is an interest charge of 6%.
Home and Legacy have a dedicated and experience in-house claims team handling all of our household claims. The claims department is staffed during core business hours of Monday – Friday 9.00 – 5.00 and can be contacted on:
Telephone: 0844 893 8370 Fax: 0844 893 8386 Email: claimsteam@homeandlegacy.co.uk
If your client is abroad and would like to contact us, please call 0203 118 7777
Outside of the above hours if your client has a household emergency, they should contact the Home and Legacy Helpline:
Telephone: 0845 070 1228 and select “Option 3”. When calling they should try and ensure they have their policy schedule available.
Yes, our in-house claims team will notify you should one of your clients contact us regarding a potential claim and we will look to involve you throughout the process.
Our aim is to get it right, first time, every time. If we make a mistake we will try to put it right promptly and we would encourage you to call us as many complaints can be resolved quickly through a simple phone call. Otherwise please contact:
Home and Legacy Insurance Services Limited,
500 Avebury Boulevard, Milton Keynes, MK9 2LA
Telephone: 0844 893 8360
Fax: 0844 893 8386
Email: general@homeandlegacy.co.uk