What type of insurance do you need help with?
Most Popular Answers
You can cancel your cover at any time. However, we will not refund your premium if there has been a claim on your policy.
If you have not made a claim, you will be entitled to a full or partial refund.
If you cancel your motor insurance policy within the 14 day cooling off period and your policy has not started, you will receive a full refund of premium but we will charge an administration fee.
If you cancel your motor insurance policy within the 14 day cooling off period and your policy has started, a charge will be made based on the number of days you have had cover. We will also charge an administration fee.
If you cancel more than 14 days after purchasing your policy, a charge will be made based on the number of days you have had cover. We will also charge a cancellation fee.
There will be no refund for any additional optional cover you have selected.
You can find out more about our fees and other charges .
If you want to cancel your policy, please contact our Customer Service team on 0333 234 1558.
For any other enquiries, you can speak to an agent on the phone by choosing from the numbers listed on our contact us page
As well as the declared value, there’ll also normally be a ‘sum insured’ amount on the schedule of insurance. This figure includes a percentage increase designed to cover inflation during the insurance year. The sum insured is a benefit to the property owner as its purpose is to prevent under-insurance in the event of inflation, for example, if the price of bricks and building materials were to increase.
It’s important that the property is insured for its full value to avoid claims being reduced due to under-insurance. When a property is under-insured, any claims made will be subject to an average. This means that any valid claim pay-out will be proportionally reduced by the amount that the property is under-insured.
Ground heave usually occurs when the ground is water logged causing it to expand and rise, it most commonly follows a period of flooding and can be particularly severe in winter as the water in the ground freezes and expands much more forcefully. Common problems associated with heave are serious structural damage to the fabric of buildings, a potentially continuous cycle of damage leading to an increased number of insurance claims, and long term damage which can take a while to become visible and therefore identified.
Subsidence happens when the ground beneath a property moves or sinks downwards, causing the foundations of the building to move. Some soils (and clay) can cause subsidence as it dries and shrinks, trees and other vegetation can cause it by drawing water from the soil, and excessive water from flooding or burst pipes can wash soil away which also causes subsidence. The effect on the building ranges from cracked walls to severe structural damage.
We cannot cover home renovation on our standard home insurance policy. However, our specialist home insurance team can offer cover for homes that are currently undergoing renovation, which provides the policyholder with cover for the insured premises whilst building work is taking place.
Yes, you can cover your instruments either on our specific musical instrument policy or as items on your Contents and Possessions policies.
On our Possessions product, you can cover your instruments up to the individual value of £3000, for accidental loss and damage. You will get up to £150 to hire an instrument whilst yours is in for repair or is being replaced. An excess of just £50 would need to be paid in the event of a claim.
On our Contents product, if your musical instrument is valued at £1500 or more you are asked to name the item on your policy. You also get the option to cover the instrument outside of the home as well as being covered inside. If the musical instrument is valued under £1500 this would be covered under unspecified personal effects up to the single article limit detailed in your policy documents. An excess of just £100 would need to be paid in the event of a claim.
Alternatively, we provide specific musical instrument policies that offer 3 levels of cover so you can choose where in the world you want to be covered and cover your instruments up to a value of £10,000 in total. Find out more about musical instrument insurance.
Where the musical instrument is a vintage and rare or collectible item, we will pay up to the sum insured but only where it is supported and validated by a written valuation from a professional and competent person, made no more than 12 months prior to the commencement date and a photographic record is kept of the front and back of the item, together with any receipts.
Endsleigh's standard policies can cover partial roofs, up to 30% asphalt.
If your roof is made up of more than 30% asphalt, we do have a Non-Standard Insurance Team who will search our panel of specialist insurers who may be able to offer cover.
If your property has suffered from subsidence in the past, or is in an area where subsidence occurs, then Endsleigh's standard home insurance policies will not offer you cover.
We do, however, have a non-standard home insurance team who will search our panel of specialist insurers who may be able to offer cover. You can contact them on 0333 234 1507.
We are unable to offer cover for properties that have previously suffered from heave on our standard home insurance policy. However, our specialist home insurance team can offer cover for all sorts of non-standard properties, such as those that subsidence, heave or landslip.
Find out more about subsidence home insurance.