Welcome to www.houseinsurance.co.uk

Here you can:

• Read a selection of articles designed to help you get the best deal for you on house insurance
• Get the most up to date house insurance related news
• Register to be reminded when your insurance is due for renewal
• Use our quote finders to compare prices and find the best quote for you
• To get you started, the HouseInsurance.co.uk Guide To Insurance, below, provides some useful hints and tips to consider when choosing the kind of insurance which would best match your needs

Please feel free to browse the site - we hope to be able to answer at least some of your insurance queries, and to help you find your best deal.

A Quote Insurance : Privacy, Terms and Conditions

Houseinsurance.co.uk is a trading style of Hero Insurance Services Limited
Hero Insurance Services Ltd is authorised and regulated by the Financial Services Authority (number 308619).
Registered Address: Hero Insurance Services Limited, Highway House, Brentwood, Essex, CM14 4EJ (company registration number 4092570).

Personal Data

Any information you provide may be held by us and our panel of insurers in connection with the cover for which you are applying. It may be used by us or our panel of insurers' relevant staff in making a decision concerning your insurance application and for the purpose of servicing any cover that may be arranged.

Use in Connection With the Claims and Underwriting Exchange Register

We would advise you that we exchange information with other insurers through various databases to help us to check information provided by you and also to prevent fraudulent claims.

Use for Marketing Purposes

We may use, analyse and assess information held about you to give you information about our other products and services. To help improve our services and in the interests of security we may monitor and/or record your telephone calls with us.

Rehabilitation of Offenders Act 1974

Please note that you are not required to disclose convictions regarded as "Spent Under the Rehabilitation of Offenders Act 1974".

Law and Jurisdiction

All quotations which we obtain are in respect of policies subject to the law of England and Wales and subject to the exclusive jurisdiction of the English Courts save in either case where your policy otherwise provides.

Internet and Confidentiality

If you proceed to apply for cover by selecting a quotation offered to you, and provide credit/debit card payment details for verification by us, then you should be aware that we have taken steps to protect your confidential payment information from disclosure to third parties. However, please note that despite our best endeavours transactions over the internet may be subject to interruption, transmission blackout, delayed transmission due to internet traffic or incorrect data transmission due to the nature of the internet and matters outside our control.

However, please note that despite our best endeavours transactions over the internet may be subject to interruption, transmission blackout, delayed transmission due to internet traffic or incorrect data transmission due to the nature of the internet and matters outside our control.

Territory Statement

Please note that A Quote is only able to arrange household insurance on this website for individuals resident in the United Kingdom continuously, (excuding Northern Ireland) for the past three years.

A Quote Insurance - Terms of Business

As an Independent Intermediary our service includes advising you on your insurance needs; arranging your insurance cover with insurers to meet your requirements; and helping you with any ongoing changes you have to make. As a member of the Financial Services Authority we are obliged under the FSA code of conduct to advise you of the basis on which we transact business.

Please note that we do make charge of £10.00 for the arranging of Insurance policies, if you wish to know what we earn as commission we will only be too pleased to advise you. Any premiums quoted to you are the total cost that you will pay for your insurance excluding any interest that may be due (dependent on your payment method). All payments that you make are split proportionally between our earnings and the Insurers net premium requirement for the policy.

All quotations are guaranteed on the information provided it is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy and when you renew your insurance. It is important that you ensure that all statements you make on proposal forms, claim forms and other documents are full and accurate. Please note that if you fail to disclose any material information to you insurers, this could invalidate your insurance cover and could mean that part or all of a claim may not be paid.

In addition to the premiums charged or returned by insurers we do charge up to 15% of premium plus £20 for any additional or return premium. Your schedule for the adjustment will show the net due to the Insurance Company. You will be advised of any charges in advance when obtaining any quotation. Should you cancel your policy during its currency the return premium will be the net return given by your Insurer less our charge of 15%.

In the event that you wish to cancel your policy due to you being unhappy with any terms or conditions of your policy, you will only be charged for the days you have had cover based on the premium quoted the minimum charge will be £25.00. To qualify all Insurance documentation must be returned to us within the 10 days of the inception . We would point out that if you cancel your policy after this time Insurers may charge a short period premium which can be the number of months you have been cover plus an additional three months premium.

If you have elected to pay on long term credit any credits that are issued by Insurers will be used to reduce the outstanding balance of the agreement, in the event of policy being cancelled this may mean that you do have further instalments that will be collected under the credit agreement that you have entered into, until the balance is cleared. Your cancellation of the credit agreement will be an instruction from you to cancel your policy unless the full balance of the agreement is paid.

In the unfortunate circumstance that you need to make a claim or are involved in an incident that may result in you being claimed against it is your duty to advise us or your Insurers without delay and forward any correspondence you may receive immediately, failure to do so may prejudice the Insurers position and they may look to you for recompence.

It is our intention to provide you with the highest level of customer service at all times. In the unlikely event that you feel we have not met these standards please contact Mrs J Basham, either verbally or in writing, who will take details of your concerns. We will acknowledge in writing within five working days who will be dealing with your concerns and if they are able to address them at that time. Should our investigations take longer we will provide a full response within twenty days or provide you with timescales for our full response. As member of the FSA if you are unhappy with our response you will that have access to the Financial Ombudsman Service, South Quay Plaza 2, 183 Marsh Wall, London E14 9SR

Downloading Information

Any material and/or data downloaded or obtained through use of this website or any of the websites mentioned in this website is at your own discretion and risk and you will be solely responsible for any damage to your computer system or loss of data that results from the downloading of such material and/or data.

Additional Information

If you elect to pay by instalments the interest charge is eight percent (for the deposit plus three instalments scheme) and twelve percent (for the ten month instalment scheme). All costs are included in the quoted payment for each payment method.