Why do I have to complete a calculation guide?

We want to help you make sure you’ve got enough insurance to cover everything you want to cover. If you don’t have enough, you may not be able to rebuild your home the way you want, or replace all your items.

Our home and contents calculators are one tool that can help. Just remember that they’re a guide only, and provide a possible sum insured range. The final decision on the sum insured amount is yours, as we’re unable to guarantee that all information in the calculator is up-to-date or accurate. They might also differ from any estimates we provide as part of your quote.

Everybody’s assessment of what they need to cover their assets is different. How much cover someone chooses can depend on things like the size of their property, the quality of their furniture, and anything unique about their home.

Our home and contents calculators are one tool that can help you figure out how much cover you need. Just remember that they’re a guide only, and provide a possible sum insured range. The final decision on the sum insured amount is yours, as we’re unable to guarantee that all the information in the calculator is up-to-date or accurate. They might also differ from any estimates we provide as part of your quote.

What you pay for your insurance is based on how likely you are to make a claim. We also consider things like discounts, excess, policy options and government charges.

To find out more about how we calculate your premium, read the Premium, Excess and Discounts Guide on our policy booklets page.

The price of your insurance is based on the likelihood of a claim being made on your policy in the future. There are a number of factors we take into account when determining your premium.

We calculate your premium by combining the:

• Pricing factors (these are different for car and home policies)
• Policy options
• Minimum and maximum premium
• Government charges
• Any discounts you’re eligible for.

To find out more about how we work out your premium, have a look at our Premium, Excess & Discounts Guide on our policy booklets page.

Yes you can.

The calculation guide that's provided is a guide only. It's up to you to make sure your home and contents are insured for their full replacement value.

However, if you insure your home or contents for more than the cost to repair, replace or rebuild, we only pay the actual costs of repairing, replacing or rebuilding.