We generally don't look to write risks with planned or ongoing building works or extensive renovations at new business.

Existing customers planning to undertake building works or extensive renovations should tell us as soon as possible in advance of starting any work.  There are conditions and exclusions relating to building works in our policy wordings.

The buildings sum insured is should cover the total cost to rebuild the property in the event of a total loss. It is not should not reflect the market value.

The rebuild cost must include the full cost of rebuilding the structure of the main home, all it's fixtures and fittings, all outbuildings used for domestic purposes (sheds, garages, greenhouses or similar), all boundary walls, drives, patios etc and any other structural items such as swimming pools. It must also include the cost of removal of rubble and debris, professional fees such as surveyors and architects, as well as all building materials and labour costs.

For larger properties, Listed buildings or those of unusual construction, it may be advisable to seek professional advice from a building surveyor.

Further advice and help can be found along with a property rebuilding calculator on The Association of British Insurers website.

If the contents include a number of fine art or antiques or items of Jewellery and Watches, it is advisable to use the services of a professional valuer.  Home & Legacy can recommend an appropriate expert. 

We issue all renewals via email in good time before renewal date but can accommodate other methods of communication, if this is preferred.

Certain complex risks may require more detailed analysis and technical underwriting (i.e. risks that may have suffered complex or large losses during the policy year). For these risks, any necessary discussions between us will all take place well in advance so that we can always ensure renewal invites are issued in good time.

When you have opted for renewals electronically you will receive an email from us to tell you that your clients' policies are invited for renewal. You will be able to log on to Home & Legacy Online to access their documentation. 

Upon receipt of the renewal invites we ask that you check through the documentation thoroughly and to ensure that inaccurate or incomplete information or changes are notified to us. Additionally we will require you to confirm your clients’ renewal instructions to us before their renewal dates.

Every week your brokerage will receive an email round-up of the renewals due.

We may require a risk management survey/appraisal for some properties, usually those of higher value or non-standard construction.  We only use independent professional property surveyors.

The surveyor will complete an external survey of the property (including the main home, outbuildings and any other structures).  An internal survey in the home will also be carried out in the presence of the policyholder. 

Yes, monthly direct debit is available and we act as an introducer to Close Brothers Premium Finance.  

Premium finance can be offered to policyholders with a UK correspondence address and UK bank account

For home insurance policies the annual premium can be spread over 10 months. No deposit is required.

For landlord policies the annual premium can be spread over 12 months. 

There is an additional charge made for the credit, which will make the overall cost for the insurance policy more expensive.

Close Brothers Premium Finance carry out various assessments before approving loan applications. Their assessments will leave hard footprint on individuals’ credit files. Not all applications are accepted.