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Bateman Group Logo
Bateman Group Logo

Home Insurance

    For many years we have offered advice on household buildings and contents insurance to our clients, and we provide a personalised service to everyone.

    Why choose us for your Home Insurance

    Despite the increase in recent years of “On-line supermarkets” which are predominantly price sensitive, we pride ourselves in finding you a competitive quotation to suit your needs based on our experience and in-depth knowledge of the market.

    More importantly, we are always available on the telephone should you wish to alter anything on your policy and in the unfortunate event of an incident, an experienced member of the team will manage your claim throughout. We understand your needs as a client and have invested significantly in systems and training to ensure that we can deliver the best possible solution to your personal insurance requirements.

    Helping the UK with Home Insurance since 1967

    Why The Bateman Group?

    • Established since 1967
    • Personal service – nominated point of contact
    • Annual reviews
    • 100% independent consultants with access to whole of market
    • Capacity & experience to place non-standard/specialised risks
    • Experienced ‘in-house’ support team
    • Swift issue of policy documentation
    • Rapid claims handling
    • 3,000 clients across the UK

    In our experience individuals consider changing for the following reasons:

    • Some policies are not tailored to suit their individual needs
    • Sums insured can be limited & have serious ‘gaps’ in cover
    • Policy cover has been poorly explained i.e. increased excesses
    • Standard policies can be inflexible
    • Lack of understanding on specialist/non-standard risks
    • Experienced delays in receiving policy documentation
    • Slow settlement of claims
    By providing a personal service throughout we aim to always ensure our clients feel special and valued.

    High Value Home Insurance:

    • World wide all-risks cover without limit
    • No average clause
    • Warranty free
    • Partial loss & depreciation
    • £50,000 of new acquisitions covered from moment of purchase
    • No inner limits on fine art, antiques & collectibles
    • Full restoration for damaged art
    • Trace & access
    • Walk through valuation service for your home &/or possessions to ensure adequate protection
    • Business from home cover available
    • No sub limits on garden furniture or statuary
    • Annual travel cover under same policy
    • Second/holiday homes
    • Cover for listed properties
    • Fast track claims service

    Non-Standard Home Insurance:

    We are in a position to be able to offer competitive rates on properties you may find difficult to insure elsewhere. For example insurers refusing to renew your policy or cancelling insurance as they can no longer offer to protect the risk.
    • Listed properties
    • Building of non-standard construction
    • Properties in a high flood rating area
    • Properties which have been underpinned due to subsidence, heave or landslip
    • Unoccupied properties
    • Houses with flat roofs
    • Irregular claims history

    We also offer additional insurance policies to cover the following:

    • Family legal protection
    • Keys & locks
    • Home emergency
    • Identity theft assistance
    • Personal accident
    • Gadget cover
    • Standard mobile phone
    • Smart phone, iPhone & Android
    • Tablet, iPad, Galaxy & Playbook
    • Laptop including MacBook
    • Satnav, e-reader,Portable MP3/DVD/Games Player

    Home InsuranceFAQs

    What is Home Insurance?

    As independent brokers we have access to a wide panel of insurers and will search the market to find the right package built specifically for your your home insurance needs and requirements, ensuring that you have the right cover for the day-to-day risks that come with owning and living in your home. The appropriate policy will contain everything required to be fully protected as a homeowner or a tenant, including cover such as buildings and contents, plus many other areas of protection.

    We also provide bespoke high-value home insurance to suit your requirements at the lowest possible cost but with the highest level of comprehensive cover for your peace of mind.

    Why do I need Home Insurance?

    Making sure that you are fully covered in all risk areas is our highest priority for you. We will find the ideal insurance package which will include everything you require in one simple premium; so you can rest assured that once everything has been assessed for all areas there could be a potential claim, that you are covered in any future unfortunate circumstances.

    What does Home Insurance cover?

    the market-leading packages that we have access to cover many areas of risk such as damage in a fire or flood which could pay for repairs and rebuild, contents insurance in case of any accidents, as the smallest ones can cause the biggest claims, plus many other areas of protection such as All Risks on items away from the home, Specified Items of high value, legal expenses and travel insurance.

    Our expert insurance advisors will assess your needs and put together the best home insurance package for you to ensure the most comprehensive protection that you require. We aim to source the most suitable cover for you at the competitive price from our panel of insurers.

    How does Home Insurance work?

    The market-leading Home Insurance packages that we have access offer a wide selection of covers that you would require to protect your home and possessions against the risks it faces on a daily basis.

    The way in which we assess the best Home Insurance package for you is to take the time to fully understand your full requirements, along with an analysis of your location, previous risks such as floods in the area, property structure and many other areas that our insurance experts are trained to provide you with the best cover.

    We go into detail to determine the level of risk that is probable on a daily basis, so we can then build the right bespoke insurance package that would protect your home and your possessions in any of those unfortunate circumstances.

    What if I have had claims in the past?

    When a quote is put together for Home Insurance, we asses your situation on an individual basis depending on a number of factors. If you have had claims in the past, we are still able to provide insurance for you, once we establish the whole picture of the risks involved for you as a homeowner or tenant.

    Setting in place risk preventative measures and procedures can dramatically reduce the chances of the claimed risk happening again, such as improved security systems and the latest fire alarms. These efforts can also help increase the number of insurers that we are able to approach to provide you with the most comprehensive and competitive priced Home Insurance package in your current state of risk and previous claims.

    What does Accidental Damage Insurance cover?

    Accidental Damage Insurance can be made part of your Home Insurance package, and it covers you against any one-off accidents that have caused damage to your property or contents. This can be things such as a spill on the carpet that would pay for the replacement, or if damage was caused to the wall or nearby items while putting up the shelves, for example, that would pay for the cost of repair.

    Is it a legal requirement to have Buildings Insurance?

    It’s not a legal requirement to have Buildings Insurance, however, if you are looking to get a mortgage for the property then this may be one of their requirements, as well if you have a leasehold arrangement. Although it’s not a legal requirement, it is highly advisable as damage to the property could be very costly to repair and could cause serious financial problems to get everything back to normal. That’s why having the right home insurance with the correct inclusive buildings cover will help you get everything back on track if anything unfortunate was to happen.

    Can you cover high-value contents?

    Yes, we are able to provide this cover as part of your Home Insurance package. Insurers will be looking at the type of high-value items you possess, the value, your location, any security measures you have in place to prevent any unfortunate circumstances. These are some of the factors that can fluctuate the premium to protect you against these kinds of claims.

    How can I correctly value my building?

    The value of your buildings sum insured is calculated based on the cost of how much it would take to rebuild the property to you, rather than today’s market value. This would include the labour and the materials, especially if you are able to source the required work at a reduced cost. Don’t forget to take into account other areas such as design costs, legal fees, professional advice, planning, site clearance and removal expenses.

    We are not professional valuers and do not offer that service. We would always recommend that you obtain a professional valuation on a regular basis to ensure that the sums insured are correct, up to date and in line with market conditions to avoid any risk of “under-insurance” in the event of a claim, which could affect the outcome of any payment.

    Please note – The insurers we work with will request an up-to-date valuation if one has not been completed within the last 3 years.

    If you are in any doubt regarding the value of your home or possessions, then always seek the advice of an experienced and qualified professional – and if any changes are subsequently required, then contact your insurance broker and/or provider to ensure that the levels of cover are accurate and appropriate.

    Do you provide Home Insurance in monthly instalments?

    We are able to provide most types of Home Insurance packages in monthly instalments. Please don’t hesitate to get in touch with one of our insurance experts who will be able to advise on the best solution to ensure the full protection of your home and possessions. Please start an online quote at the top of the page or call us on 01926 495 113.