Yes, you can start your cover immediately by setting up a direct debit to pay monthly or annually. There is also an option to pay by debit or credit which is available for annual payers only.

You can set up a policy online or by calling us FREE on 0800 29 88 707 and speaking to one of our UK based advisors. Alternatively, you can complete your payment details on the Easy Payment Form supplied with your quotation and post this back to us in the FREE post envelope provided. No stamp is needed.

You will also find a Change of Insurer Form within your quote pack, to help with your change of insurance provider you can complete this form and send it on to your previous insurers to let them know that you wish to cancel your policy with them. Alternatively, please click here to download the form.

You can either pay monthly or annual Direct Debit. Direct Debit also has the advantage of being covered by the banks Direct Debit Guarantee. You can pay annually using your VISA and Mastercard credit, debit cards, or American Express card.

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In most cases an excess will be payable and this could vary by the type of claim. There are usually 2 types of excess applied to an insurance policy, a voluntary excess (an amount that you agree to pay voluntarily - this will reduce the cost of your insurance)and a compulsory excess that the insurer will impose you to be responsible for in the event of a claim under a particular risk. The excess for your policy will be shown clearly on the quotation you obtain from us on line and in writing if you request this and also on the policy documentation if you buy from us.

Yes, you can opt to pay a voluntary excess on top of your Compulsory excess and in return you may receive a discount on your premium.

If you bought your policy online we will email your policy documentation to the email address that you provided to us. You should receive an email within 24 hours.

If you purchased your policy over the telephone we will issue your policy documentation within 24 hours. Your documents should arrive within 5 working days.

If for any reason you have not received your documents, please call our customer services team on:

0845 6 500 500

Please call one of our customer service advisors on 0845 6 500 500 who will be able to make any required changes to your policy. We also offer a range of additional products which you can add to enhance your cover for added peace of mind.

We do everything we can to provide you with a first-class service but sometimes things do go wrong.

If you are unhappy with any element of our service, please click here to view our complaints procedure.

If you decide that you do not wish to proceed then you can cancel this insurance by telephoning us on 0800 95 22 102 or writing to us within 14 days of either:

• The date you receive your policy documentation; or
• The start of the period of insurance

Whichever is the later.

You can cancel your policy at anytime after this period by providing prior written notice. Provided you have not incurred any eligible claims during the period you have been on cover we will retain an amount of premium in proportion to the time you have been on cover and refund the balance to you, subject to a £25 cancellation.

If you have made or submitted a claim during the period of this insurance, we will not refund any premium paid. If you pay monthly by Direct Debit you must continue to pay your installments until your renewal date.

Yes, you are covered on a new for old basis, which means that we will replace your old item with a new one without making any deductions for wear and tear. (Excludes clothes, linen and furs)

No, not automatically. Your contents insurance usually covers you for theft for personal items which you temporarily take away from your home.

You will need to take out our Personal Belongings Away From Home cover for items such as your jewellery, money, credit cards, luggage, mobile phones and laptops to make sure they are protected while you are carrying them around with you.

Your personal belongings will be covered anywhere in the UK and Europe and 60 days worldwide in any period of insurance. The most we will pay for money and credit cards is £500 and £2,000 for any single item.

No, you only need to specify items that are worth more than £2000 and come under the definition of a "valuable".

An example of a "valuable" would be:

• Antiques
• Articles of gold, silver and other precious metals and stones
• Clocks
• Pictures, sculptures and other works of art
• Collections of Stamps, coins or medals

Please note that our insurers may ask for a valuation or purchase receipt within the first few weeks of taking out your policy or in the event of a claim for all items valued over £2000. If you are unable to provide any of these items it could result in your claim being delayed or rejected.

If the bicycle is stolen from your home, including in garages and outbuildings, this is usually covered under the contents. However, if the bicycle is stolen while away from the home, it will only be covered if you have added your cycles under Pedal Cycles Cover.

Yes, loss or damage to the contents left in an outbuilding will be covered up to £5,000. We can increase cover up to £10,000 if the outbuilding has our minimum levels of security.

Yes, you will need to let us know if your home will be unoccupied for longer than 60 days as your insurer may need to impose some terms on your policy for the period of unoccupancy.

For example:

If your home is unoccupied in the winter, you may need to leave your heating on low to prevent your pipes from freezing.

Failure to notify us may invalidate your insurance.

Yes, we need to know of any planned structural alterations to your property before they take place. Failure to do so may invalidate your insurance.

You can rest assured that if the worst does happen, you will have immediate access to the claims service. All claims lines are available 24 hours a day, 365 days with the exception of Broken Bones and Identity Theft claims. For ease of use, we have put together an easy to reference Claims Guide for you.

Naturally we hope you won’t have any accidents or misfortune, but if you do and wish to make a claim under this insurance please contact our claims department on the phone number shown on the policy schedule or in our easy to use Claims Guide to report the incident as soon as possible.

At the time of making a claim, you will be asked to provide:

• The policy number stated on your schedule;

• Full details of the claim.

You should:

• Tell the police as soon as possible if something is lost or if you suspect theft or malicious damage.

• Take all practical steps to get back any property which has been lost.

• If required fill in the claim form and send it back, with everything we have asked for, within 30 days of the incident.

• For loss or damage claims, you must give us (at your own expense) any documents, information and evidence we need.

• As soon as possible send us any written claim which is made against you, and give us full details of any verbal claims made against you.

You must not do any of the following:

• Admit or deny any responsibility for any incident.

• Negotiate or settle any claims made against you by anyone else, unless we write and tell you that you can.

Additional Cover details such as Home Emergency and Legal Protection can be found within the Statement of Fact section of your schedule, under the heading “Your Additional Cover”.

Premium Credit are our chosen partner specialising in financing insurance premiums and high street store purchases. They provide our payment by instalments scheme.

We work with Premium Credit Limited who finance your insurance premium and therefore require an agreement to acknowledge your annual/monthly premiums. As the full premium is not paid by you up front, this means that a credit facility (or loan) is being made available to you for the payment of your insurance.

You can contact Premium Credit by telephoning 0844 736 9836 or by post to the following address; Premium Credit Limited, Premium Credit House, 60 East Street, Epsom, Surrey, KT17 1HB.

Equity Red Star’s claims line is open 9am – 5pm, Monday to Friday, with an emergency service running out of hours. Please use the following contact telephone number; 0844 561 4949. For ease of use, we have put together an easy to reference Claims Guide for you.

Prestige’s claims line is open 9am – 5pm, Monday to Friday, with an emergency service running out of hours. Please use the following contact telephone number; 08450 777 666. For ease of use, we have put together an easy to reference Claims Guide for you.

AXA’s claims line is open 8am – 8pm, Monday to Friday and 9am – 5pm on Saturdays, with an emergency service running out of hours. Please use the following contact telephone number; 0845 900 4180. For ease of use, we have put together an easy to reference Claims Guide for you.

Please call our Customer Care Team on 0845 6 500 500  who will make a note of your call and request that you send in the death certificate, this will then give us authority to amend the policy and receive further instruction from you, or other Executors of the estate. In the unfortunate event that you do need to contact us in this situation you need to be aware that certain conditions will apply as detailed in our policy book, you will receive a copy of this automatically so do not be concerned if you are unable to locate the original that was sent out. These conditions specifically exclude items such as Malicious Damage, Escape of Water, Oil leaks, Theft or Attempted Theft and Accidental Damage as examples.

If you pay by Direct Debit and you are happy with the renewal invitation we sent you then we will automatically renew your policy. If you need changes to be made to your policy, or you do not pay by direct debit, please call one of our customer service advisors on 0845 6 500 500 who will be able to renew your policy for you. We will issue your renewal quote approximately six weeks before your policy is due to expire, and call you around one month before so you can ask any questions, make changes or renew your policy.

For equipment used in connection with a business, the most we will pay for any one claim is £5,000 unless a different amount is shown in the schedule. But, the most we will pay for any one item of such equipment is £2,000 unless a different amount is shown in the schedule. Please inform us of any business equipment you may have and therefore want including in your cover.

Please call one of our customer service advisors on 0845 6 500 500 who will be able to update your contact details for you. Alternatively you can write to us at Insure4retirement, Heron house, 8-10 Christchurch Road, Bournemouth BH1 3NA or email at customerservices@insure4retirement.co.uk. Please provide us with your full address, email address, home telephone number and mobile number.

Please call one of our customer service advisors on 0845 6 500 500 who will be able to change your bank or payment card details for you.

Yes, if you find the same or similar cover within 90 days of taking out your home insurance policy, we will refund the difference (subject to minimum premium) or give you your money back.

The credit agreement comes with a covering letter from premium credit and is a double sided piece of A4 paper. 

The credit agreement will be dispatched separately from your policy documents within 2 - 4 weeks from the day the policy is set up. Unless it is set up prior to 4 weeks in advance of the start date, meaning documents will not be sent out until 4 weeks before.

Your credit agreement is with Premium Credit Limited who provides finance for your insurance premiums and collects payments on our behalf. Premium Credit requires confirmation of your payment plan as you have chosen to pay monthly direct debit.

Your premium is based on an interest rate of 8.9% rather than APR.

YES: The first payment will always be taken on or just after the start of the policy. You can then change this date by calling PCL and giving them your selected date. PCL will then collect the 2nd payment on the selected date that same month and then on that date each month after. For example – Policy starts and first payment is to be collected on the 1st June, customer calls to amend this to the 20th of each month, PCL will then collect the second payment on the 20th June and on that date thereafter, so initially the customer will pay twice in one month.

We say any phone that has the ability to play music (MP3 player) is covered under our standard contents policy. It is also covered under PB away from home if you have chosen to add this. There are still exclusions, like if your mobile phone is used for business purposes it will NOT be covered.

You will be covered for damage caused by weight of snow to your buildings for example weight of snow causing the guttering to come away, not if the snow causes your roof tiles to come away.  Any storm damage claims are subject to meteorological reports etc.  Refer to the relevant Buildings (Pg 4) and Contents (Pg 6) section in your policy documents. Also check under what is NOT covered under the policy.