Home insurance

Cover where it matters most

Why take out home insurance with Wesleyan?

Whether you’re looking to insure your property, your belongings or both, we’ll find you the right cover to protect your home should the unexpected happen. With our 24/7 claims helpline, we’re only ever a phone call away.

  • Buildings cover up to £1,000,000
  • Contents cover up to £75,000
  • UK based 24/7 claims helpline
  • Get cover from Wesleyan’s Selected Panel of leading insurers 
  • Protection you might not expect, with cover for digital downloads and student belongings
  • Customise your policy with our range of optional extras, like Total Home Protection (charges apply)

How it works

Accidents happen. Get peace of mind that repairs or replacements within your policy will be paid for, with home insurance from our selected panel of leading providers.

We act as a broker to find you insurance for your buildings, contents, or both - at a level of cover that suits you. With our advice-based service, you can be assured that we’ll select the most suitable policy to match your needs.

And if your home requires additional protection, you can add our optional extras to your policy.

What's covered?

Depending on the level of cover you choose, your policy can cover:

 
What's covered
Personal belongings
Whether you’re at home or away, your belongings are protected.
Loss or damage
Cover if your home is broken into and your possessions are stolen, or your buildings or items are damaged by natural events like fires, storms or floods.
Alternative accommodation
If your home is left uninhabitable by an insured event, alternative accommodation will be provided for yourself, your family and your pets.
Garden cover
For those with green fingers – you’re insured on your sheds, plants and equipment.
Student belongings
Cover for your belongings up to £2,500 while you study at university, college or boarding school.
Digital downloads
Whether you’re a film fanatic or music lover, you can protect your downloads up to £2,000.

What’s not covered?

  • Loss or damage on an unoccupied home - Depending on your chosen policy, your buildings or contents can’t be covered if you’re away for more than 30, 45 or 60 days in a row.
  • Certain damages - Such as damage caused by wear and tear, vermin and insects, fungus, damp, light, wet or dry rot.

Optional extras

For extra peace of mind, why not add our Total Home Protection policy to your cover? For an extra charge, you’ll get:

Optional extra
What you get
Home emergency assistance
Our network of registered tradespeople will be on-hand 24/7, to help with burst pipes, lack of heating or no hot water.
Family legal expenses
We’ll protect you against disputes such as employment issues and neighbour problems up to a limit of £50,000.
Key cover
Misplaced your keys or have a broken lock? We’ll cover the costs of a replacement or repair to save you paying an excess or losing your no claims bonus We'll even cover your car keys.
ID theft
There’s only one ‘you’, so let’s keep it that way. If your identity is stolen, we’ll create a personal action plan to get it back.

Excess protection

If you need to make a claim and don’t want to be out of pocket, you can get one of our excess protection policies. With our excess protect cover, you can claim your excess back (subject to your policy limit).

Frequently asked questions

  • Why use a broker?
    Insurance is complicated and buying the incorrect policy can be costly. At Wesleyan, it’s our aim to take the hard work out of finding the right policy for you and your home. Rather than getting quotes from multiple insurance providers, you can just speak to us and let our team invest their time on your behalf to make sure you’re fully protected.
  • I've claimed on other home insurance policies in the past - can you cover me?
    We work with many insurance providers and even have our specialist department, so it will depend on their terms and on the claims you’ve previously made. We’re happy to invest our time into finding the best option for you, so the best next step is to speak to our team and discuss your circumstances.
  • I'm looking to build an extension on my house - does this matter?
    Yes it does. We’d recommend you get in touch with us before you sign any contracts with your contractor/builder, so we can discuss what the insurers will need to know to keep your home insured correctly.
  • When would my cover start?
    It can start as soon as you take out the policy. Or, if you have a specific date in mind (perhaps you’re about to move to a new home), we can schedule the policy to start at any point within 30 days.
  • How do I pay my premiums?
    You can pay for your home insurance annually or monthly, to suit you.
  • Will there be an excess on my policy?
    Yes, like most insurance policies, there is an excess to pay in the event of a claim. However, you can choose what you’d like the excess to be, and we also offer Excess Protect cover which allows you to claim your excess back (limits apply).
  • What is the claims procedure?
    Any claims you need to make can be made directly through your policy provider. However, we are always available and happy to help if you need any assistance.

Important information

Wesleyan Financial Services is a credit broker. Premium finance is provided by Premium Credit Ltd. who pay variable commission to us which could impact the interest rate you pay, now or in the future.

To make sure insurers have the necessary facts to verify your identity, help prevent fraud and carry out risk profiling to calculate your premium and payment options, they may obtain information about you from publicly available sources and trusted third parties. This may include a quotation search from a credit reference agency. This will appear on your credit report as a soft search and will be visible to other credit providers. It will be clear it’s a quotation and not a credit application by you.

Limits, exclusions and charges do apply.

Full terms and conditions of the policy and cover, including the policy benefits and exclusions, will be contained in the Policy Wording and Policy Summary.

Risk must be acceptable to underwriters at normal terms.

Key documents