Home Insurance – More Th>n up the anti online

MORE TH>N have changed their onl;ine Home Insurance policy package to relect the TV campaign and offer free contents when you buy buildings insurance. They claim as a result of customer feedback.

Get a quote and More Th>n info

Here’s the Deal:-

FREE contents cover when you buy Buildings Insurance. And, if you stay-claim free you’ll get FREE contents cover for the life of your policy.

25% discount if you buy online.

Covers all your possessions while they are in your home and garden (including any garages, sheds or outbuildings at the same address)

Up to £75,000 Contents cover – as standard (take note high net worth market)

‘New for old’ replacement of damaged or stolen goods – many delivered direct to your door

Basic Accidental Damage cover automatically included – for accidental damage to items such as your TV, music & entertainment systems, PCs, DVD player and including items such as ceramic hobs and glass top furniture

Buildings Cover:

Up to £400,000 buildings cover with an option of £750,000 buildings cover – making sure customers don’t pay for cover they don’t need.
This cover provides protection against storm, flood, fire and subsidence for the structure of your home, as well as the full rebuilding cost of your home including architects and surveyor fees
Buildings cover includes fixed kitchen units, bathrooms, plumbing, patios, walls and fences
Major repairs carry a MORE TH>N ‘Repairs Guarantee’ from the approved contractor network.

(Sounds to us like a good proposition aimed towards the 50K+ per year market!)

Home Contents Cover:

This covers your belongings such as;

Free-standing Fridges and Cookers,
Sofas,
Carpets,
Ornaments,
Music & Entertainment systems,
PCs and DVD players,
and more personal items such as Watches and Jewellery

Cover is against theft, fire, water-damage and flood
Option to upgrade cover to include accidental loss or damage in the Home (full AD cover)
Option to upgrade cover to include “contents away from the Home cover” (away)
£1,500 single item limit – items other than carpets, curtains and furniture worth over this limit will need to be declared individually

More Than stress the product is aimed at ensuring customers don’t pay for home insurance cover they don’t need.

Insurance Blogger is fairly impressed with this cover offering, however we are a bit concerned that there is no mention of Legal Expenses which is in our humble opinion one of the most important home insurance covers to the high net worth market. We need to establish whether this cover comes as standard or as an expensive optional extra.

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