Home Insurance

At Kwik Fit Insurance it's simple, our strength is providing secure polices that guarantee peace of mind in your time of need. Tailor our product to suit your needs, choose from:
*Buildings only cover
*Home Contents Insurance only
*Buildings & Contents Insurance
*Personal possessions cover

Buildings Insurance - This covers:

*The structure of your home including any gates, hedges and walls.
*Structures within the boundaries of your home such as garages and sheds.
*All permanent fixtures and fittings such as kitchen units, fitted wardrobes and bathroom suites.
*You are covered against fire, storm or flood, theft, malicious persons or vandals, subsidence and escape of water.

This also includes:
*Free replacement of locks if your keys are stolen - up to £500
*Accidental damage to glass and sanitary ware
*Up to 20% of the buildings sum insured to pay for the cost of alternative accommodation if the home cannot be lived in because of loss or damage.

Optional Accidental Damage Cover

For extra peace of mind, you can choose to add our Accidental Damage cover to your buildings cover. This will cover accidental damage to your home (e.g. drilling through a pipe or putting your foot through the ceiling while in the loft).

Contents Insurance - This covers

Only items within the household are insured. If you want cover outside the home, you will need Personal Possessions cover (see below).
*All household goods *Valuables - items over a certain value will need to be specified *Money in the home including unauthorised use of any cards - up to £250 *You are covered against fire, storm or flood, theft, malicious persons or vandals, subsidence and escape of water.

This also includes:
*Accidental damage to any home entertainment equipment e.g. TVs, DVD players, hi-fis and home computers
*Accidental breakage of mirrors and fixed glass in furniture
*Freezer contents - up to £500
*Contents in the garden - up to £500

Optional Accidental Damage Cover

For extra peace of mind, you can choose to add our Accidental Damage cover to your contents cover.
This will cover any accidental damage to, e.g. your carpets, curtains, furniture, etc. It would also cover mishaps such as knocking over an ornament or vase.

Optional Personal Possessions Cover

This provides you with cover for your personal belongings (including pedal cycles), money and valuables away from the home. Well even cover them anywhere in the world for up to 60 days a year.

Policy terms, conditions and exclusions apply to all of the above. These can be found in the policy wording.

Our policies come fully-loaded with benefits as standard.

But even the most high-spec policies can benefit from a few added extras. So, when we give you a quote, you'll be able to take your pick of the following optional extras and add as many as you would like when you apply for cover.

Home Insurance optional benefits - Choose from:

1. Personal Accident Cover

Add Kwik Fit Personal Accident Cover to provide £30,000 insurance to cover death caused by accidental injury in the home.

2. Key Cover

Kwik Fit Key Cover is designed to save you from all the cost and inconvenience caused if your keys are lost, stolen or get broken. If you take out Key Cover, you'll get a high quality key fob with a reference number which offers a £10 reward to anyone finding the keys and returning them.

Claims Procedures

*Contact your insurer directly on the claim telephone number stated on your schedule.
*Obtain the estimates required by your Insurer as soon as possible for repairing the damage. ( Any temporary repairs necessary to make your home weatherproof or safe can be put in hand immediately, but retain the bills as the cost may well form part of your claim. However, your insurer should have the opportunity of inspecting the damage before permanent repairs commence.)
*If someone is holding you or your family responsible for damage to their property or for bodily injury to them, immediately notify your insurer.

*If requested please send written details to your insurer of your claim.
*You must supply at your own expense all reports, certificates, plans and specification information that your insurer requires.
*You must take all reasonable steps to recover any missing property.
*You must take all reasonable steps to prevent further damage.
*You must not admit or deny any claim made by someone else against you or your family or make any agreement with them.Your insurer has the right to negotiate, settle or defend any such claim in your name or on your behalf.
*You must report any claims within 6 months of the event which gave rise to the claim.

How your insurer settles claims

*Your insurer will at its option, pay in cash the amount of the loss or damage or may repair, reinstate or replace the lost or damaged property.
*Your insurer will not pay more than the sum insured shown on your schedule
*Your sum insured will not be reduced by any claim.
*You will have to pay the excess shown on your schedule and/or policy document.

Matching Sets, Suites and Carpets

An individual item of a matching set of articles or suite of furniture or sanitary ware or other bathroom fittings is regarded as a single item. Your insurer will pay you for individual damaged items but not for undamaged companion pieces. Where carpeting is damaged beyond repair only the damaged carpet will be replaced and not undamaged carpet in adjoining rooms.

Wear and Tear

Contents - 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 a good state of repair and the sum insured represents the full value of the item.
Buildings - if repair or reinstatement is carried out, there will be no reduction provided that the sum insured represents the full value of the buildings and they have been maintained in a good state of repair.

Other Insurance

If you have any other insurance policies which cover the same loss, damage or liability as this policy your insurer will only pay their proportional share of the claim.
For full details of the cover please read the full policy wording.

Your Home Insurance Questions

Answers:

Kwik-Fit Insurance Trading Information

Kwik Fit Insurance is an insurance intermediary, authorised and regulated by the Financial Services Authority (FSA). Registered in Scotland No. 147319. Registered Office: 1 Masterton Way, Tannochside Business Park, Glasgow, G71 5PU. VAT number 380094850.

Disclosing the Full Facts

If you don't disclose all material facts, your insurance could be invalid and not give protection in the event of a claim. In particular you should tell us about any incidents (whether your fault or not, and whether you claimed or not).
It is an offence to make false statements or withhold information to obtain motor insurance.

Terms and Conditions

All policies are subject to qualifying criteria, terms and conditions, details of which will be discussed when you call
We can only offer policies to residents of the British Isles.

Law Applicable

Policy documents detail the law applicable to each contract of insurance. This depends on the type of insurance you buy, and which insurer underwrites it. Generally, it will be English law. If you would like confirmation of this, please ask us before buying.

Keeping Us Informed

Once you buy your insurance, you have a duty to keep us informed of any changes to your circumstances. Note especially that you must call us before you change your car or if you move address. If you don't keep us informed of any changes, your insurance could be invalid and not cover you in the event of a claim.

When Cover Begins and When it Ends

Insurance cover will only begin when we receive your payment and we issue confirmation that cover has begun.

Most policies we sell are annual policies, which expire one year after the start date of cover (unless cancelled before then). Policies that last for different periods of time are single trip travel and term life assurance, both of which last for the period requested by you. In all cases, we will confirm the period of cover before you buy a policy from us, and your policy documents will confirm this.

Renewals

If you buy insurance from us and pay by monthly direct debit, for your convenience and protection we will automatically renew your insurance policies (unless you tell us otherwise). This includes any additional policies. We will write to you before the policy renewal date to remind you of this and to let you know what the revised payments will be.

How to Cancel

If after buying a policy from us, you decide to cancel it, please call us. In most cases we will be able to take your instruction over the phone. Alternatively, you may write to us. Your policy documents will show the full cancellation procedure.

Our charges

When you buy a new policy

No charge

In the event of cancellation

If your policy is cancelled within 14 days of renewal date, or of you receiving your policy documents (whichever happens later), we will charge a fee of £30. If your policy is cancelled after this time, we will charge a fee of £30 for buildings or contents policies and £40 for combined buildings and contents policies.

In the event of a change, or if you request duplicate documents

£5 to £25 charge, depending on the change

When you renew your policy

No charge
If you pay your insurance by direct debit, an interest charge will apply. We will tell you the amount of the charge when we discuss your insurance arrangements.

If You Have a Complaint

We aim to provide satisfactory service at all times. If we let you down, please tell us and we will do our best to resolve the problem.

Step 1

Please call us on 0800 280 2205.

We will do our best to resolve the matter quickly. If you are not completely satisfied, please ask to speak to a Customer Relations Officer.

If you prefer, you may write to our Managing Director outlining your concerns and quoting your Customer Reference Number. Or, you can email us at customerrelations@kfis.co.uk

Our aim is to acknowledge your complaint within 5 working days and resolve it within 20 working days. But in some cases it may take longer. If so, we will let you know. In all cases, you will receive a final written response within 40 working days.

Step 2

If you have received our final written response and you are still not satisfied, you can refer your complaint to the Financial Ombudsman Service within 6 months:

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR

The Ombudsman will need a completed form, which you can get from their website at www.financial-ombudsman.org.uk

They can also help you complete the form by taking your details over the phone on 0845 080 1800.
Please note that if you are a business customer with an annual turnover in excess of £1million, you may not have access to the Ombudsman Service. Referral to the Ombudsman does not affect your right to take legal action.

Data Protection

For your protection and ours, and to ensure our high standards are maintained, we may record or monitor your call.
If you provide information to us, either via our website or over the phone, we will use this information to allow us to service any policy you buy from us, and for statistical and administration purposes.

In order to advise you of our range of financial products and special offers which could save you money, we will contact you in future, and may share your contact details with other carefully selected companies as well as other companies within the Kwik-Fit Group. From time to time we may pass customer information to an external agency to carry out a customer satisfaction survey on our behalf. Please call us on 0800 280 2919 if you do not wish your information to be used in this way.
We may disclose information about you and your policy to the Financial Services Authority and/or the Financial Ombudsman Service , if requested by them. This will only happen if required to enable them to fulfil their obligations such as investigation of a complaint, or alleged misconduct.
Insurers pass information to various databases in order to prevent and detect fraud. The databases used depend on the type of insurance being bought. For motor insurance, this includes the Claims and Underwriting Exchange Register, the Motor Insurance Anti-Fraud and Theft Register, and the Motor Insurance Database. Further details will be explained when you contact us, and on the documents if you buy a policy from us.

If you buy a policy from us

We will keep the information you provide to us secure and private. For your convenience we will make changes to your policy on the instruction of your spouse/partner or a named driver on your policy. If you do not wish this, or if you would like someone else to have access to your file, please let us know. Please note that we will only cancel your policy or change your address on your instruction. No-one else can do this on your behalf, however we will allow your spouse/ partner or any named driver for on your motor insurance policy to cancel your policy if they are setting up a new one through us immediately on your behalf e.g. with a different insurance company.
The insurer who underwrites your policy may pass your personal data to other companies for processing on their behalf. Some of these companies may be based outside Europe in countries which may not have laws to protect your personal data, but in all cases your insurer will ensure that it is kept securely and only used for the purposes for which you provided it. Details of the companies and countries involved can be provided on request.

In the event of an outstanding balance on your account, we will pass your details to a debt collection agency for them to collect this amount on our behalf.
As well as calling us on the above numbers, you can contact us by;

Writing to us at: Kwik-Fit Insurance,
1 Masterton Way,
Tannochside Industrial Estate,
Glasgow,
G71 5PU ,

Alternatively, email us with any queries you may have.
Kwik Fit Insurance is part of the Kwik Fit Financial Services Group.
Registered in Scotland, number:147319.
Registered Office: 1 Masterton Way, Tannochside Business Park, Tannochside, G71 5PU.

If you have any feedback on any part of our website or service, please let us know. For your security and our training purposes, calls may be monitored and recorded.

Home Insurance

Sales: 0800 027 9369 (9am - 8.30pm Mon to Thu, 9am – 7.30pm Fri, 9am - 2pm Sun)

Customer Services: 0800 027 9370 (9am - 8.30pm Mon to Thu, 9am – 7pm Fri, 9am - 2pm Sun)

Claims: If you need to make a claim contact your insurer on the claim telephone number stated on your schedule.

Domestic Homecare Claims: 0870 737 5508 (Available 24 hours a day)

Family Legal Protection Claims: 0117 934 2111 (Available 24 hours a day)

Alternatively, email us with any queries you may have.

Postal Address

You can write to us at the following address: Kwik-Fit Insurance
1 Masterton Way
Tannochside Business Park
Uddingston
Scotland
G71 5PU