Frequently Asked Questions
We know that insurance can often be complex and we try our best to make all our communications as straightforward as possible. But if you’re still not sure, or have a question, take a look below for the answers to some of our most frequently asked questions.
Of course we’re always here to help if you still have a question. Just call us on 0800 035 8258 and one of our friendly team will be more than happy to help. We’re around Monday to Friday 8.30am-8pm and Saturday 9.30am-1pm.
Do I really need to bother with tenant’s insurance?
Nobody ever thinks that a disaster will happen to them - so it can be tempting to ignore insurance – especially if you’re short on cash or time.
But nobody can predict the future, and incidents such as fires, floods and theft do happen to real people on a daily basis - which is why you might want to consider protecting your possessions, and your landlord’s fixtures and fittings, in case the unexpected happens.
Why should I choose HomeLet for my contents insurance?
Because we’ve created our products just for tenants, so your contents are covered - along with any accidental damage to your landlord’s property, furniture, fixtures and fittings. We’re industry specialists, so we know that tenants are looking for cover that suits their personal circumstances.
In fact, our Contents Insurance Incorporating Tenancy Liability product has been designed especially to suit the needs of real life tenants, so it protects you while you’re moving house, offers more protection around big events such as Christmas and weddings, and can even be taken with you if you buy a home of your own.
How long does the application process take?
Not long at all – it’s really easy to
get a quote. You can save your quote and come back to it at a later time if you need to. Or, if you prefer to speak to us directly, just call 0800 035 8258 and we’ll take you through the application over the phone.
Can I pay safely online with HomeLet?
We use PayPoint, a leading international provider, to securely cover all payments made through our website. If you prefer to pay over the phone, that’s fine, just call us on
0800 035 8258.
Do you need to know every item I want to cover?
No – it’s actually a lot easier than that – as we offer blanket cover of £50,000. Only single items worth over £2,500, which you’ll take out of the home, need to be specified – we’ll ask you about these during the quote process.
Can I cover my bicycle on my policy?
Yes, up to £500 for those kept in the home. You’ll need additional pedal cycle cover if you want protection for your bike when you’re out and about, or if it’s worth over £500.
Do I need to provide proof of ownership for my possessions?
It’s always a good idea to keep your receipts, but we don’t need proof of ownership for standard contents insurance or our unspecified possessions cover option. However, if you choose to take out additional specified possessions cover with us then we’ll ask for proof of ownership, such as receipts, invoices and manuals etc.
Can I cancel my policy if I change my mind?
Yes, you have a 14 day cooling off period after you’ve bought a policy with us, so if you decide your policy isn’t right for you, you can simply call us on 0800 035 8258 and make any changes you need to or, alternatively, you can cancel it.
Please be aware that if you’ve already made a claim on your policy and want to cancel it before the renewal date, you’ll be liable to pay for the policy in full.
What if I no longer need the policy?
You can transfer your policy to a new address, or cancel your policy at any time by calling
0800 035 8258 – there’s a £30 cancellation fee on annually paid policies, and we can’t refund a monthly paid policy when you cancel part way through a month. Please also be aware that if you've made a claim on your policy and want to cancel it before the full insurance term's ended, you'll be liable to pay the remaining premium due.
How do I renew my policy?
We’ll automatically do this for you – we’ll send you a renewal notice a month before to let you know. If you don’t need to make any changes, you don’t need to do anything, or you can call us and let us know any new details.
How do I make a complaint?
We work very hard to provide the highest standards of customer service but we recognise that there may be occasions when problems arise, and you can help us by telling us what you think of our service. We welcome all your comments, suggestions, compliments or complaints.
Most things can be sorted out by speaking to us directly over the phone and we can usually put matters right there and then.
View our full complaints procedure