Our policy has been awarded a maximum 5 Star Rating by independent experts Defaqto so you have total reassurance that you’re buying quality cover.

Save time by comparing the features and benefits of our product against the rest of the market free of charge by clicking here.

Why choose Uinsure Home Insurance for your clients?


Our cover has been awarded a 5 Star Rating by independent experts Defaqto so you have the reassurance that you’re buying quality cover.


Get quotes from our panel of 5 leading insurers within 30 seconds.


All of our insurers share a common policy wording and compete purely on price, significantly simplifying your compliance.


Our 'Price Beater' puts you firmly in control of both your clients premium and your own commission.


Be confident that our policy includes high cover limits and low policy excesses to ensure that your clients are well protected.


Free Defaqto compare tool - compare over 300 B&C policies!


Uinsure was the first major GI provider to utilise a panel of B&C insurers via a common policy wording. Our panel offering has been continuously refined and currently consists of Ageas, AXA, RSA, LV=Broker and UKGeneral, all of whom share a common policy wording to simplify your compliance procedures.

With 99% postcode coverage, our panel product by design is suitable for the vast majority of clients who require protection for their possessions. High cover limits are teamed with a low policy excess to provide a quality product which is supported by UK based customer service and claims teams. Cover can be arranged and confirmed within minutes based upon the simplest question set and application process in the marketplace.

Product Highlights

  • A maximum 5* Defaqto rating
  • £1 million buildings cover if you need to rebuild your home
  • £75,000 contents cover as standard (with the option to increase this to £100,000)
  • We'll pay to trace the source of a leak and make good any damage caused
  • New for old cover on all replaced contents
  • All our repairs are guaranteed for one year
  • Tailor your cover by adding optional extras, e.g. accidental damage & cover away from the home
  • Experienced claims service with UK-based team

Who are Defaqto

Defaqto is a leading UK independent financial research company.


They independently rate over 500 car and home insurance policies. Their ratings range from one to five stars. Their Star Ratings are designed to help customers identify where a product or policy sits in the market in terms of the features and benefits it offers and the range of options available. Their in-depth Star Ratings process looks at the key features and benefits of every product or policy they rate.

Defaqto are completely independent and unbiased and never knowingly exclude a product or policy from their Star Ratings.

Why is a Defaqto 5 Star Rating important?

Buying home insurance can be a bit of a minefield, whilst its easy to compare products on price alone, its not always easy to understand what you’re getting for your money until its too late.

Defaqto Star Ratings help you to make informed decisions about getting the cover to suit your needs. A Defaqto 5 Star Rating gives you the reassurance that you’re buying quality cover that will deliver when you need it most.

Buildings Accidental Damage

Included as standard within buildings insurance is accidental breakage to fixed glass and ceramic hobs built into cookers that are permanent fixtures in your home, sanitary fixtures and fittings in your home; and solar panels.

Available as an optional extra is Accidental Damage cover. This covers unexpected and unintended damage caused by something sudden and external. Accidental damage would be required in order to claim for events that are not covered under the accidental breakage benefit. An example of this would be putting your foot through a ceiling whilst in the loft where purchasing accidental damage would be required to make a claim.

Contents Accidental Damage

When taking contents insurance you are automatically covered for breakage to televisions (and their aerials) video and audio installations, satellite dishes, receivers or decoders, games consoles or desktop. Accidents caused by children are also included, so if your toddler manages to push over the TV and cracks the screen they will be covered under this section.

For an additional premium though, you can add the accidental damage optional cover to your policy. Accidental Damage cover is designed to insure your contents against damage caused by unintended mishaps, such as spilling wine on a carpet, knocking over an ornament or burning a sofa with a cigarette.

Personal Possessions

Items your clients take outside your home are not covered automatically for loss, theft or damage by our contents insurance.

If you want to insure everyday items your clients take outside like mobile phones, watches, jewellery, laptops or pedal cycles they’d need to add personal belongings cover.

Their personal belongings will be protected anywhere in Europe, and for up to 60 days worldwide during any period of cover, so they'd be insured if they went on holiday.

There is a single article limit of £2,500 but individual limits apply for mobile phones (£500), personal money (£750), credit cards (£1,000) and pedal cycles (max any one cycle £1,000).

Items worth over £2,500 (or pedal cycles over £1,000) need to be individually listed via the quotation system. Cover for specified personal belongings is available up to £15,000.

Home Emergency Cover

Home Emergency Cover provides immediate assistance from professional tradesmen to deal with a range of emergency incidents around the home that need resolving as soon as possible.

The policy provides cover up to £1500 (inc VAT) per claim with no annual maximum limit on claims.

If the policyholder pays annually this will cost £48.00 per year / £4 per month. If the policyholder pays monthly this will cost £53.76 per year / £4.48 per month. Monthly policyholders are subject to 12% premium funding.

Emergencies covered include:

  • Boiler or heating system breakdown,
    • In the event that the Boiler cannot be repaired, this policy will also pay a £500 (inc VAT) contribution towards the cost of a replacement
  • Failure of electrical power, water or gas supply
  • Leaking roofs
  • Burst water pipes or a blocked toilet
  • Lost or stolen house keys
  • Overnight accommodation if your home is uninhabitable

What is not covered?

  • Where you have not serviced the boiler in line with manufacturers recommendations within 12 months prior to the emergency.
  • External toilets, taps, overflows and pipes which do not risk internal damage.
  • Roof Damage where no internal damage is caused and Flat roofs over 10 years of age.
  • Keys for Doors and Locks on Garages or outbuildings.

By adding Home Emergency cover to a policy, your clients can rest assured that they will not be left to deal with a Home Emergency and find tradesman by themselves.

Eligibility Criteria

You have confirmed the following statements to be correct to the best of your knowledge and belief:

  • The walls of your property are built from brick (which includes brick clad with timber frame properties built from 1980 onwards), stone or concrete (excluding prefabricated concrete).           
  • The roof of your property is built from slate or tiles.           
  • The roof of your property is no more than 50% flat.
  • The property to be insured is not registered as a listed building.    
  • The property is permanently occupied by you and your family and by no more than one lodger.  
  • The property is used for administration or clerical work or is not visited more than 10 times per month in connection with any other business where clients are required to attend the property (e.g. tutoring, therapy, hairdressing or similar service industry based occupations). No more than £2,000 in stock is held on the premises.
  • The property is not left unoccupied for more than 60 consecutive days.    
  • Your property will be maintained in a good state of repair.
  • Your property is not undergoing any building work. 
  • The property has not shown any signs of subsidence, heave or landslip within the last 25 years. 
  • (Cracks and bulges in the walls can be signs of subsidence).          
  • To the best of your knowledge the property has no history of flooding.     
  • You have never undertaken preventative measures to limit flooding.        
  • You and anyone residing at your property have not had special terms imposed by your insurer, or had insurance declined, cancelled, refused or declared void.
  • During the last 3 years, at your current or any previous address, you and anyone residing at your property have not had more than one household (buildings or contents or personal belongings) loss or claim.          
  • During the last 3 years, at your current or any previous address, you and anyone residing at your property have not had any household (buildings or contents or personal belongings) loss or claim costing more than £3,000.
  • You and anyone residing at your property have not been convicted or charged for any offence or have any prosecution pending (other than a motoring offence).

Policy Documents and Marketing Material

  • Customer Facing Overview Booklet

  • Uinsure Panel - Policy Wording

  • Insurance Product Information Document

  • Home Insurance Data Capture Form

  • Defaqto Star Rating Explained

  • Client Approach Letter

  • Home Emergency Cover customer-facing flyer

  • Family Legal Protection customer-facing flyer

  • Mailer - How can we help you?

  • Uinsure x Defaqto Social Media


Client Contact Details

Should your client need to speak to customer services to check or amend their policy, they can do so by calling 0330 100 9602.

Should your client need to make a claim on their home insurance policy, they can do so by calling our dedicated home insurance claims team on 0330 102 6023.

Should your client need to make a claim on their home emergency cover optional extra, they can do so by calling 0800 999 4215.

Should your client need to make a claim on their family legal protection optional extra, they can do so by calling 0344 770 1040.