insure 4 retirement home insurance

Insure4Retirement home insurance

Find out if Insure4Retirement’s home insurance could help you protect the things you love.

Life can throw some unexpected twists our way so you’ll want to find home insurance which best protects your home and belongings.

Insure4Retirement offers packages for buildings cover, contents cover or both together, so you can choose what suits you and your home.

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Who are Insure4Retirement?

Insure4Retirement are specialists in providing insurance to the over 50s. They offer home, car and travel insurance plus many other types of insurance including pet and holiday home insurance.

Insure4Retirement were founded in 2004 and are now part of Gallagher, one of the world’s largest insurance brokers.

What are Insure4Retirement’s cover options?

Insure4Retirement Buildings Cover

Insure4Retirement’s buildings cover offers essential cover for your building against damage caused by a long list of insured events.

Features of this include:

  • Cover for the cost of repairing or rebuilding your home
  • Cover for rent or alternative accommodation if you can’t live in your home whilst repairs are being carried out.
  • Cover of property owner’s liability insurance
  • Protection for outbuildings
Insure4Retirement Contents Cover

Insure4Retirement’s contents cover offers essential cover for your contents against loss or theft caused by a long list of insured events.

Features of this include:

  • Cover for rent if you can’t live in your home whilst repairs are carried out.
  • 10% of contents sum insure for loss or damage to contents left in an outbuilding.
  • Cover of items left in the open e.g. garden furniture
  • Cover for the accidental loss of metered water or oil in your domestic heating system
  • Cover for loss of downloaded electronic data
  • Cover in the event of loss of damage to the deeds of your property or other legal documents
  • Cover of up to £500 worth of money in the event it is lost
Optional policy extras

You can choose the optional extras that are right for you and only pay for the additional cover you need.

  • Home Emergency cover provides 24 hour emergency helpline and engineer service for home emergencies
  • Personal legal protection cover to help you and your family deal with legal matters
  • Garden secure cover covers your garden and fences in the event of damage
  • Key cover protects house, garage, office and car keys
  • Pedal cycles cover accidental loss or damage to you and your family’s pedal cycles
  • Accidental damage to your buildings

What’s covered under my policy?

Insure4Retirement’s home insurance policies offer cover and protection for your home against certain risks. These include:

  • Fire, lightning, explosion or earthquake
  • Smoke
  • Malicious damage
  • Riot, civil commotion, political disturbance
  • Collision
  • Falling trees or branches
  • Falling television and radio aerials
  • Storms or floods
  • Theft/vandalism
  • Accidental damage to fixed glass
  • Escaped oil/water
  • Subsidence
But the Insure4Retirement home insurance policies also include some extra cover as standard. Check out some of these additional extras below, for a full list check out the Insure4Retirement home insurance policy document.

BenefitsBuildingsContents
Accidental damage to cables, underground pipes and drains
Debris clearance for rebuilds and repairs
Alternative accommodation and/or loss of rent
Exchanged contracts
Emergency services
Replacement lock and keys
Changing address
Trace and access
Damage to food in fridge or freezer
Contents in transit
Death benefit
Special events
Broadband/internet loss of use
Contents in full time education
Shopping in transit
Theft by bogus officials
Medical equipment on loan
Jury service
Electronic data

What is my excess?

An excess is the amount of money you contribute when you make a claim. The amount of your excess will depend on the level of cover you have and the nature of your claim.

There are two different types of excess that are applied to the home insurance policy and these are:

  • Voluntary excess which is the agreed amount you voluntarily contribute towards a claim. You can opt to pay this excess on top of your compulsory excess and you could receive a discount on your premium as a result.
  • Compulsory excess which is the amount you are required to pay as stipulated by your insurer when you make a claim and when you have a degree of responsibility for any of the damages incurred.

The details of your policy’s excess will be shown in your insurance quote and in your policy documentation once you have purchased the Insure4Retirement’s home insurance.

How much is this going to cost me?

There are a number of factors that can affect the cost of your Insure4Retirement home insurance premium, including:

  • The level of cover you choose. Whether you choose to use contents cover, buildings cover, or both, it will reflect on the overall price that you pay. Adding on optional extras will also add onto the price.
  • Your sum insured. The greater the amount you wish to insure your home or contents for, the more you can expect to pay for cover.
  • Your home. The age of your home and the materials from which it is constructed can influence its ability to withstand damage.
  • Where your home is located. Certain risks, for example storm and theft, are more prevalent in certain areas, and insurers will take this into consideration when calculating your premiums.
  • Security. Security measures such as an alarm system and deadbolts can act as a deterrent to thieves and therefore reduce the cost of your cover.

What is the claims process for Insure4Retirement home insurance?

To make a home insurance claim at Insure4Retirement, you will first need to locate your insurer in the “Need to make a claim” section of your Home Insurance Schedule. You will also need your policy number.

Here are the telephone numbers for the insurers you may need to contact:

  • ABC Insurance 0800 0322 851
  • Ageas 0345 122 3019
  • Arc Legal Assistance 0344 770 1093
  • Axa 0330 024 6842
  • Axa Assistance 0800 479 0066
  • Covéa Insurance 0330 024 2255
  • Direct Group Limited 03301 026071
  • Integra Insurance Solutions Limited 01274 700810
  • Legal & General Insurance Limited 0370 900 5567
  • Midas Underwriting Limited 0345 074 4789
  • Pen Affinity 03301 026 791
  • Pen Underwriting Limited 0345 072 9974
  • Royal & Sun Alliance Insurance plc 0330 102 4008
  • UK General Insurance Ltd 0344 893 1022

Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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