Home Insurance for Over 50s

Home Insurance Products

Get a Quote - Home insurance

FAQs

• Is my PC covered?

  Yes, the Castle Cover Home Contents policy automatically provides cover for home computers. If you have a portable/laptop computer and require protection for outside of the home, you will need to take out our optional Personal Possessions cover as part of your home contents policy.
  
  If the replacement value exceeds £1500, we are unable to offer cover online - please call us for a quote on 0800 519 50 50.

• Are my belongings covered outside the home or when I go on holiday?

  Yes, if you take out our Personal Possessions option as part of your Castle Cover Contents policy, your personal belongings (including up to £500 for Money and £500 for Credit Cards) will be covered against theft, loss or accidental damage away from the home.
  
  This has an individual article limit up to £2,000 with a total limit of £5,000 of cover at any one time whilst in Europe or anywhere else in the world for up to 90 days during any period of insurance.

• What type of home insurance cover is available to me?

  Castle Cover offers standard building insurance, contents insurance and buildings and contents insurance with cover levels of up to £50,000 for contents and £500,000 for buildings.
  
  Castle Cover also offers Full Accidental Damage Cover, Pedal Cycle Cover, Personal Possessions Cover, Family Legal Protection, Home Emergency Cover and Garden Cover as add-ons to your policy

• What is Family Legal Protection Cover?

  Family Legal Protection provides up to £50,000 cover for you in legal costs. This cover helps you to pursue claims for death or personal injury and any disputes arising from contracts for goods and services, selling of goods, the rightful occupation or ownership of your home and contracts of employment.
  
  Also, a free 24-hour Legal Helpline is provided.

• Is a bicycle theft covered by my contents insurance?

  If the bicycle is stolen from your home, (including its garages or outbuildings) this is covered under your standard Castle Cover Contents policy. However, if the bicycle is stolen while away from your home, it will only be covered if Pedal Cycle cover has been selected - this is an optional extra as part of your contents premium
  
  In order to obtain a quotation please contact our friendly and knowledgeable advisers on 0800 519 50 50

• Do I need to specify all of my valuable items such as furniture and stereo equipment?

  No. You only need to specify items that are worth more than £2,000 and fall under our definition of a ‘Valuable’. We define Valuables as jewellery, watches, furs, items or sets or collections of gold, silver or other precious metals, works of art, sets of stamps or coins or medals all belonging to you or any member of your family.
  
  If you have any items to be specified, please call one of our friendly and knowledgeable advisers on 0800 519 50 50

• Can I insure my property if it is let to tenants?

  The standard Castle Cover buildings and contents policy does not provide cover for tenanted properties. However, we are able to offer insurance for buy-to-let properties under a separate policy. Please contact one of our advisers on 0800 519 50 50.

• Do you offer a new for old policy?

  The Castle Cover Home Contents policy provides cover on a ‘new for old’ basis. The only exclusion is that there will be a deduction for clothes, furs and household linen.
  There will be no deduction for all other Contents provided they have been maintained in good repair and the total limit is sufficient to cover the full value of the property.

• Do I need to provide proof of ownership for all of my possessions?

  No. However, in the event of a claim you may be asked to provide evidence of value and ownership, such as purchase receipts, valuation certificates and instruction manuals. It is essential to provide such documentation for any valuables specified on the policy, such as jewellery, watches or works of art.

• Can I insure a property that is not my permanent residence?

  Yes, we may consider this; however this is subject to terms and conditions. (Non permanent residence i.e. Let property, Holiday Home) which will need to meet our underwriting criteria. Please contact one of our team on 0800 519 50 50.

• Can I arrange insurance cover just for my personal items?

  Yes, provided you take out a home contents policy with Castle Cover. You can cover your Personal Possessions from loss or damage away from the home (individual article limit up to £2,000 with a total limit of £5,000 of cover at any one time whilst in Europe or anywhere else in the world for up to 90 days during any period of insurance.)

• Do you give a no-claims discount on home insurance?

  Yes, Castle Cover offer a No Claims Discount, providing you have not made any claims in the last 3 years on your home insurance.

• In which cases do I need to tell you about the individual value of my contents?

  The items we class as Valuables are jewellery (including costume jewellery), articles of or containing gold, silver or other precious metals, cameras (which include video cameras, camcorders and digital cameras), binoculars, watches, furs, painting and other works of art, collections of stamps, coins and medals are automatically covered for up to £2,000 each, subject to an overall valuables limit. Any individual valuables with a replacement value exceeding £2,000 will need to be specified on the policy separately. Please call us if you need any valuables specified.

• Will having a burglar alarm system reduce my annual contents premium?

  Yes, you will receive a discount if you have and use an intruder alarm that is installed and maintained by an NSI approved company. If we apply a discount, there will be an expectation that the security measures must be operational at all times, otherwise you may have to pay a heavier excess, or in some cases, the claim may be refused

• If I have a mortgage, will you note the lender’s interest on my policy?

  Yes, this will be included on your policy when you take out a building cover with us.

• Will my policy include any excesses?

  Yes, there is a standard excess of £50 for buildings and contents. We also offer a voluntary excess of £250. The excess for subsidence, heave and landslip is £1,000.

• How do I make a claim on my Home policy?

  By telephoning us on the helpline number shown in your policy schedule.

• How do I contact Castle Cover Insurance by telephone?

  For home insurance, please contact 0800 519 50 50
  For car insurance, please contact 0800 519 50 60
  For travel insurance, please contact 0800 519 60 70
  For pet insurance, please contact 0870 243 5216

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