Yes, you can, but we would not recommend it. This is because comparison sites have a limited number of vendors who pay commission to advertise there and represent a very small sector of the market.

Most comparison sites provide generalised quotes, and will not take into consideration any specific requirements you have. We work with many clients who have purchased insurance online, only to find that when they need it, it does not provide any cover, excludes the reasons they need to apply or pays out an insufficient value.

It depends on your circumstances; if you rent your home and the landlord provides buildings cover then you should not pay out for duplicate buildings insurance.

However, you should always consider insuring your possessions, and if you are a homeowner then should think about securing robust protection for your property.

Yes, you can – insurance cannot be refused for applicants from a high-risk flood area. This is because the flood protection schemes in those areas are provided by the government and are intended to protect your home.

However, you will likely find that insurance premiums in high-risk areas prone to flooding are higher than in low-risk areas.

Subsidence can be one of the most expensive gradual damages to a property, and most insurers will cover this. However, you should check carefully the excess in place, and how much you would be required to pay towards the repairs. 

This insurance may cover your property itself and not any surrounding areas, such as your garden, garage or driveway, so check what is and is not covered before purchasing any policy.

It depends what has caused the leak; if inclement weather or a falling tree has damaged your roof, then it will probably be covered.

However, many insurers exclude wear and tear so if your roof has started leaking due to falling into disrepair over time, it may not be insured.

If you work from your home, then you must disclose this to your home insurance provider.

Most providers will not increase their premiums as a result but will need to be updated with any changes to how you use and live in your home to ensure that your insurance is not rendered void in the event of a claim.

Many home insurance providers cover main residences and do not insure holiday homes. This is because they are trickier to maintain, may be empty for significant proportions of the year and can be let out to short-term holidaymakers.

However, if you have a holiday home and need insurance to protect you from the costs of repairing it, give us a call. Revolution Finance Brokers work with specialist insurers to provide robust protection to make sure you can repair and rebuild your holiday home should it ever become damaged.

The short answer is – probably not. Contents insurance will include provisions for when you take an item away from your home, but if you are living in halls then your family contents insurance will probably not cover you.

If you will be living away from home for any period and need cover to protect your belongings, give us a call and we will be delighted to run through the options.

Most insurers cover standard homes; those made with typical materials. Homes made from more unusual materials will need specialist cover to adequately provide for the cost of replacing or rebuilding all or any part of the property.

This includes:

Accidental damage is usually an optional extra, so make sure to check whether it is included in your standard policy or not.

As the name suggests, accidental damage covers you for accidents that damage your home – such as a DIY accident that breaks through a pipe.

This depends on your policy. Some insurers recognise that insured possessions such as jewellery or laptops will be taken out of your home from time to time.

However, if you tend to take insured items away from your home regularly, then we recommend taking out personal possession insurance to provide you with continual cover.

The excess is a value that you pay towards the costs of a claim, and the higher the excess you offer, the lower your premiums will be.

Revolution Finance Brokers never recommend automatically renewing your insurance. Typically, premiums rise each year, and by shopping around you can secure the best deals on the market.

Most providers offer competitive offers to attract new clients, to switching your provider can provide a significant cost saving for the year to come.

Most home insurance policies cover your home when you are away on holiday for up to one month. However, if you expect to be away from home for a longer period then you need to check what cover your insurer provides.

If you travel regularly or expect to be away from home for long periods, get in touch and our team will put you in touch with providers who specialise in insurance for people with multiple homes, or who are frequent travellers.

Check your policy to see what cover is provided for your bicycle. These are one of the most commonly stolen items, and so you may need to provide security such as a certain grade of bike lock to make sure that your bike is covered.

Yes, trees on your property are covered by your insurance. You must declare any trees that are within 5 metres of the external walls of your property, including overhanging branches. A TPO (tree protection order) may impact the value of your insurance since these trees can only be cut back or cut down with express permission.

Yes, you must tell your insurer if you build an extension to your home – even if it is a conversion of an existing internal space.

Most insurers exclude damage caused by pets.

Revolution Finance Brokers are experts in the world of insurance – from specialist products for unusual homes, through to securing the best deals on the market to provide our clients with savings on their cover.

Give us a call, and we will ask about your home, possessions, and what cover you feel is right for you, and then find you the best policies to provide this cover at the most competitive cost.