Home Insurance

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Why choose A+ for your Home Insurance

As an independent broker we work to find you cover at the best price we can, to meet your individual requirements. With one call to A+ Insurance we can search across our range of insurers to try to match your home insurance needs both on price and cover. With over 25 years experience behind us, you can trust A+ Insurance to help you ensure that you are paying the right price for your cover and receive excellent service from us.

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Get in touch ....

Call us now on 0330 606 2500. It’s Thursday and we're open at 9:00am and close at 6:00pm tonight

You can chat online to one of our advisors from 9:30am to 5:30pm Monday to Friday.
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Send us an email via our online contact form and one of our UK advisors will get back to you within 24 business hours

Write to us at Unit 16 Sovereign Park, Cleveland Way, Hemel Hempstead, Herts, HP2 7DA, if you're visiting us view our map

You can ask us a question, during office hours, by tweeting our dedicated customer service account @askaplus

What our customers say


of our customers, during as recent survey, said they would recommend us to a family member or friend1.

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A+ Home Insurance Policy Features

New For Old

This means that all items will be replaced with the new equivalent. For example, if you’ve damaged a 5 year old TV, it will be replaced with an available equivalent model.

Personal Possessions

The first £1,999 of unspecified personal possessions are covered as standard. So there's no need to let us know about any valuables valued under £2,000 - it's covered2.

Home Emergency Cover

For total peace of mind you can add home emergency cover to your policy for only £49.99. For 24 hour, 7 days a week service for those unexpected home emergencies.

Need a higher level of cover?

If your property has a high rebuild cost, is more than 6 bedrooms or Grade listed then our High Value insurance offers a tailored cover solution to suit you. Cover for high value items and possessions, covering your second home to your main residence can be included.

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A+ Home Insurance In Detail

Policy Documents

You can download key A+ Home Insurance documents in PDF format from the links below. These documents are current and correct at the time of publish, 30th June 2016. Please note : these documents only apply to policies underwritten by UK General Limited.

A+ Home Insurance - Policy Summary (valid until 31st March 2018)

A+ Home Insurance - Policy Summary (valid from 1st April 2018)

A+ Home Insurance - Policy Wording

If you have insurance from A+ Insurance from an alternative insurer please visit the Help Centre or Your A+ to access additional documentation.

The Small Print

A+ Insurance are an independent broker and as such work have access to a number insurers and underwriters across the whole market. The A+ Home Insurance referred to on this page relates to one particular scheme with UK General Limited, who are authorised and regulated by the Financial Conduct Authority. When a quotation is offered other schemes, insurers and products may be quoted because we will be looking for the best cover to suit your particular needs. Your adviser will offer full details on each. A+ Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 308675. Unit 16 Sovereign Park, Cleveland Way, Hemel Hempstead, Hertfordshire, HP2 7DA; Tel 01442 347800. Registered in England No. 02657979

Calls to 0330 numbers are free using any inclusive landline or mobile calling allowance, else charged at local rate. All calls are recorded and monitored for training purposes.

Home Insurance Your Questions

You can find the answers to our most frequently asked questions below. These answers relate to A+ Home Insurance and therefore may not apply to all the insurers and underwriters we work with.

The Basics

What is home insurance?

Home insurance cover comes in two parts – buildings insurance and contents insurance. You can choose either one or both of these based on your needs.

Buildings cover insures your properties bricks and mortar for events like fire and storm damage, while contents cover could protect your belongings against problems like theft, damage and loss. Buying a combined policy, buildings and contents, from the same insurer is normally cheaper than getting two separate policies.

Is home insurance essential?

If you’re a homeowner, most mortgage lenders insist on you having buildings cover in place to protect their investment. You don’t usually need buildings cover if you’re renting, but you may want contents insurance to help cover the cost of replacing your possessions if you suffer a loss.

What should I include in my contents cover?

As a rule of thumb, anything you'd take with you if you moved house should be included on your contents policy - including items like curtains and carpets. It's worth taking the time to go around your house from room to room and putting a reasonable value on everything. It's easy to underestimate the value of your contents, but it’s important to make sure you’re not underinsured.

How do I get a quote for a property I let?

Our standard home insurance may not offer the correct levels of cover if you let your property or are a landlord. If you’d like a quote for a property you own but rent out to tenants, please contact us for a landlord insurance quote.


Can I get immediate home insurance cover?

Yes – providing you have a credit or debit card or the facility to pay by Direct Debit we can issue you with immediate cover. This is subject to normal terms and conditions.

Will increasing my excess make my policy cheaper?

All home insurance policies come with a compulsory excess – the amount you have to pay towards the cost of any claim. On top of this, you can opt to pay a voluntary excess, which may bring costs down. The temptation is to set your voluntary excess high, hoping to save money on your premium. This may work in the short term, but please make sure you can afford to pay this excess if you have to make a claim.

What if i need help with my quote?

Not a problem, we are on hand to help. Simply contact us, quoting your postcode, and one of our UK based advisors will take you through a quotation.

How can I pay for my home insurance?

You can pay using most major credit or debit card or by monthly or annual Direct Debit. If you pay annually we'll collect your first premium on the date you purchase the policy, not the cover start date.

Existing Customers

How do I amend my home insurance policy?

Just call us on 0330 606 2500 or contact us by email, online chat and Twitter and we'll call you back.

What happens if I make a change to my house?

If you are or are planning to renovate or extend your house you need to make sure that you still have enough cover. Call us on 0330 606 2500 to discuss your cover level before you start work on your property.

How do I renew my home insurance policy?

We'll send you a renewal notice 3 to 4 weeks before your renewal date. This will contain information about your premium and your cover.

Direct debit renewal: Check that the information on the renewal notice, renewal letter and finance letter is correct. Unless you need to make amendments to your details you do not need to contact us as your direct debit renewal will be processed 3 working days before your renewal date to ensure continuous cover.

Annual Payment Renewal: To renew your policy you will need to call us before your renewal date with a credit or debit card or send your payment details to us before the renewal date in the pre paid envelope provided with your renewal letter.

How do I cancel my home insurance policy?

To discuss your cancellation please call us on 0330 606 2500.

If you cancel before your policy is due to start we will return any premium you have paid in full.

If you cancel within 14 days of the day it is due to start or of the day on which you receive your documents (whichever is later) we'll return any premium you've paid less an administration fee of up to £25.00 (inclusive of Insurance Premium Tax where applicable), provided you've not made a claim during that time.

If you cancel your policy after that 14 day period we'll return any unused premium less an administration fee of up to £25.00 (inclusive of Insurance Premium Tax where applicable), provided you've not made a claim during the current period of insurance.

New : Store all your important renewals dates using our free renewal reminder app

1. Statistics correct as of 1st September 2016 based upon the responses of 129 customers. 2. Applies to A+ Home Insurance, underwritten by UK General, only.