What does Quoteline Direct buildings insurance cover?
Buildings insurance generally covers the structural and fixed elements of your property. This includes the cost of repairs or rebuilding your home if your roof, walls, floors or permanent fixtures are damaged.
Damage can be caused by extreme weather and unexpected circumstances such as storms, floods, fire, vehicle theft and vandalism damage. A buildings insurance policy can typically protect you against the financial cost of these situations.
If you have a mortgage, most providers require you to have a buildings insurance policy as a condition of your agreement.
As a home insurance broker, exactly what's included in your Quoteline Direct policy could vary depending on the policy and cover you choose. But buildings insurance can offer cover for:
It can also provide cover for other things including:
- Trace and access: Provides cover to find and fix hidden water or oil leaks.
- Locks and keys: Protects you against the cost of key or lock replacement.
- Damage caused by the emergency services: Cover can help recover costs if any damage is caused by emergency services gaining access to your home.
- Homeowner liability: Can help cover costs if someone makes a claim against you for loss or damage while on your property.
What does Quoteline Direct contents insurance cover?
If buildings insurance protects the structure of your home, contents insurance covers the moveable stuff within it. This can help to pay or replace items like electronic devices, jewellery, furniture and more if they're damaged, lost or stolen.
As Quoteline Direct is a home insurance broker, the features of your contents insurance policy can vary depending on the insurer and policy you choose.
With a contents insurance policy, you can typically expect cover for:
- Contents in your home: This includes anything from TVs and computers to kitchen appliances.
- Furniture: This could be sofas, beds and dining tables.
- Furnishings: Such as any antiques, light shades, curtains, carpets, ornaments and more.
- Kitchenware: From cutlery to appliances such as a fridge or air fryer!
- Theft from outbuildings: Any items stolen from a locked outbuilding could be covered.
- Household removals: If you move home, your belongings could be protected from damage, loss or theft.
- Freezer food: Offers cover for any food spoilt due to the temperature of your freezer changing accidentally.
- Money in your home: If cash at home is lost or damaged, you could be protected.
When you search for a contents insurance policy, total and single-item cover limits are typically included. If you need a helping hand to work this out, try using our contents calculator!
Quoteline Direct house insurance optional extras
Home insurance policies will state the cover you can expect to receive as standard. You'll find some common exclusions, but you do have the option to upgrade your policy with a number of extra benefits.
Depending on the policy you buy through Quoteline Direct, sometimes you'll have these included in your policy as bonus features. But typically, these tend to come at an additional cost.
Common optional extras include:
Legal protection: This can offer protection against expensive legal costs if you need to make a personal injury claim or a contractual, property or employment dispute.
Accidental damage cover: If you're playing cricket in the garden, for example, and a stray shot smashes a window, you could be covered! This type of cover is beneficial when unexpected, one-off unintentional accidents cause damage.
Home emergency cover: Some issues require urgent attention, such as a boiler breakdown. Home emergency cover can protect you against costly emergency call-outs and repairs.
Personal possessions cover: Contents insurance tends to cover your belongings at home. If you want to enjoy similar cover away from home, you could consider personal possessions insurance. This can help protect items like mobile phones from theft, damage and loss if you're on the go It can also include jewellery insurance if you declare any items you want cover for.
What Quoteline Direct home insurance customers say:
Contact Quoteline Direct about home insurance
Online
If you have a home insurance policy through Quoteline Direct, you can manage it online. This will enable you to use the live chat service and access the following features:
- Renew your policy or check renewal date
- View policy documents
- Request no claims bonus
- Upload validation documents
Phone
You can call Quoteline Direct by dialling: 0161 874 8011.
The opening hours for this service are:
Monday to Friday: 9am-6pm, Saturdays: 9am-1pm, Bank Holidays: 10am-3pm
Any other information
Quoteline Direct's registered office is: Clipper House, Chester Road, Stretford, Sale, Manchester, M32 8AF
The company is registered under the trading name of Arthur J. Gallagher Insurance Brokers Limited with the Financial Conduct Authority (firm reference no. 312919).
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