Household Insurance
Professional Business Insurances for All Types Households.
Welcome to Household Insurance from AIC
At AIC we have a passion for insuring properties ranging from quaint thatched cottages to the stately home and everything in between. As an independent insurance broker we have access to lots of different insurers and are able to offer you impartial advice on their products. Our bespoke service works around you and your requirements, once we have your details we can tailor make a solution that not only covers you correctly but fits the budget as well, and we are surprisingly cheap compared to others if we do say so ourselves, despite the personal professional service we offer.
Types of Property
Detached, Semi Detached, Terraced
Maisonettes, Flats
Bungalows, Cottages
Grade Listed
High Sums Insured
Vacant/Empty Properties
Property Portfolios
Block of Flats
Residential or Buy to Let
Dilapidated Properties
Non Standard Construction
Distressed Risks
What's included?
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Health And Safety
The guys at B-Safe who are health and safety specialists, they offer a visitation service which then highlights any shortfalls you may have, all done in the strictest of confidence, and they help you rectify the problems whatever they may be thereafter. Give them a call on Tel 01476 577323 or visit their site www.B-Safe.org.uk – Once you tell them you’re working with us the initial visit is FREE OF CHARGE!
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Fire Alarms
We’ve teamed up with Fire Systems Consultancy to offer you any assistance you might need on either existing fire alarm systems or the installation of new systems if you so need, give them a call and mention ourselves where you will receive not only discounted rates but a service which is linked with your insurers requirements & expectations : Tel 0845 6262 777 or visit their website – www.firesystemsconsultancy.com
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Burglar Alarms
How about burglar alarms? Similarly to other security measures we are able to liaise directly between the installer and the insurance underwriter, so you get the approved system you want but without any hassle, simply contact our partners at ADT
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FSA (our governing body)
Reassure yourself that we are a recognised, approved and bona fide insurance broker acting under the FSA guidelines, we are an approved FSA insurance broker – see us on their register (Our Ref Number is : 301043) www.fsa.gov.uk/register/home.do
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Bespoke Packages
Whether you need cover for everything or you’re just concerned over one specific piece of cover, we can formulate a bespoke package of insurance around your business.
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Dedicated Account Manager
A dedicated account handler will look after you, from sales through to claims, so you’ll always know who you’re dealing with.
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Best quote
Our pricing is constantly monitored and from a wide range of insurers, so you’ll always get the best quote.
Need help?
Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.
How to make a claim
Whilst you normally have an emergency phone number stated on your policy documents, we always recommend talking to your account handler first.
Frequently Asked Questions
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How much is insurance for a Thatched Property?
That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.
We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.
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What insurance do I need for a Thatched Property?
Great question, and the insurance you need for thatched property is not that different to normal home insurance in what it covers. You still want protection for your most valuable assets being the buildings and/or contents. The real difference is which insurer will you end up with, and how much you’ll pay in premiums. Thatched properties are termed as ‘non-standard’ in the world of insurers, and there’s far less insurers willing to cover them.
We at AIC have access to most insurance carriers willing to quote for Non-Standard homes, and we always recommend you start by having a conversation with one of our experienced staff.
Visit our main website page for Thatched Property Cover and Quotes by clicking here.
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Do I still need to disclose claims, convictions, criminal record and bankruptcy to insurers after all these years?
We at AIC always recommend to air on the side of caution, and disclose everything to ourselves, and we can help you decide if this information needs to be told to insurers, which normally it does.
There are different rules to follow from various sources, as an insurer may ask you to declare convictions in the last 10 years, whereas the rehabilitation act may dictate that you don’t need to declare it for more than say 5 years. DVLA may give you a different answer again for motoring convictions! Talk to one of our friendly consultants and let us help you.
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Why AIC rather than a price comparison site?
Using a dedicated insurance broker provides benefits completely unseen when using a comparison site. With AIC, you’re afforded your own dedicated account manager who specialises in the cover you are seeking. Getting to know our clients is paramount to our customer service dedication and getting to know you AND your requirements is part of that. When you use a price comparison website, you are quite literally just a number and just a click-cost.
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Why do you ask so many questions?
With any type of cover it is important to present insurers with all the information that will or could possibly affect the way they look at the risk. If this is not provided, insurers have the right to walk away from a claim, to change terms at the time of a claim, or reduce an amount paid depending on which law the insurance adheres to.
A good insurance broker (like AIC) should not be afraid to ask the right questions of a potential policy holder, or suggest ideas that will help in the risk management of the cover in question. Insurance is there to help you in the event of a problem, and it makes no sense to cut corners on something so important. We’re here to help you!
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Do you have a call centre?
We hate call centres as much as you! Our phones will never be answered by a call centre and only by a staff member. You only deal with your allocated account advisor, so you know who you will be dealing with every time you need to reach out to us.
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Do I have to pay in full or can I do instalments?
There are two main ways you can pay your insurance: the full sum to cover the next 12 months upfront, or in 12 monthly instalments over an annual period.
The major drawback to monthly payments is paying by instalment usually makes the total cost of cover higher than it would be if you paid in one go. This is because the insurance company is effectively lending you the money to pay the premium, so it will charge you what amounts to interest on the repayments you make across the year.
By paying In full you are clearing your entire payment all in one go, meaning the insurance company won’t have to lend you the money and you won’t be due any premiums on the loan.
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How can I reduce the cost of my insurance?
Great question and one we can of course help you with! Business insurance premiums are arrived at by the analysis of your likeliness to have a loss. When you apply for coverage, your information will be analysed by an underwriter who is responsible for determining whether or not they will consider writing a policy for you. Each business has completely different circumstances and we highly advise you to get in contact with us so we can understand and advise in the best possible way.
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Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.