Asda Home Insurance Review and Quotes
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Discover the methodologyWould you like to protect your home against any damage or an unfortunate event such as a house fire or theft?
Are you wondering if Asda is the best home insurance company to protect your house?
You’ve come to the right place.
This ultimate and up-to-date review on Asda home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.
Is Asda the best insurance company for you?
Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.
At Safe, we’ve studied in detail Asda's home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.
4,4 Safe overall rating for Asda
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction and claims |
Contact details are provided | |
| Cover provided for your home |
2 levels of cover are available | |
| Value for money |
ASDA Money’s different standard and superior cover options suit different requirements and budgets. | |
| Financial strength | ASDA Money home insurance policies are underwritten by Royal & Sun Alliance Insurance plc | |
| Technology |
Quotes can be easily gotten online |
Expert and customer satisfaction reviews for Asda home insurance
| Review organisation | Asda home insurance reviews |
|---|---|
Defaqto expert | Standard: 3 stars |
| Smartmoneypeople | 4,5/5 based on 2 customer reviews |
| Reviewcentre.com | 1,3/5 based on 9 |
Our general opinion on Asda home insurance
ASDA was established in Yorkshire in the 1960s and it began offering financial products in 2012, including insurance for travel, motoring, pet, home and breakdown cover. ASDA Financial Services Ltd is a representative of Hood Group Ltd, and is authorised by the Financial Conduct Authority. ASDA home insurance is sold and administered by Hood Group Ltd. ASDA Money home insurance policies are underwritten by Royal & Sun Alliance Insurance plc.
Asda Home Insurance provides flexible cover that enables you to tailor a policy to suit your needs and two levels of cover are provided; the Standard cover, Superior cover. Their services are recommended to policyholders looking for flexible cover.
The standard cover has a 3 star rating on Defaqto and up to £400,000 building cover and £40,000 is provided for cover alternative accommodation if you're unable to live in your home.
The superior cover has a 5 star rating and provides up to £750,000 building cover and £75,000 contents cover. Up to £75,000 is provided for cover alternative accommodation if you're unable to live in your home.
Optional extras like Accidental damage cover, Personal Items cover, Garden cover, Bicycle cover, Legal expenses cover are provided.
What does Asda home insurance cover?
What is more important than protecting your home – the roof under which you sleep with your loved ones?
Applying for home insurance at Asda will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance).
Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents.
Home insurance at Asda covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.
Asda buildings and contents insurance
Asda provides three main types of household insurance:
- Buildings insurance
- Contents and personal possessions insurance
- Combined policy
Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.
Good to know
If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.
Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.
Good to know
House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.
In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.
You will find below policy details for building and contents insurance:
| Asda building insurance | Limits |
|---|---|
| Maximum sum insured | Standard: up to £400 000 / Superior: up to £750 000 |
| Owner liability | Standard: £2M / Superior: £5M |
| Alternative emergency accomodation | Standard: up to £40 000 / Superior: up to £75 000 |
| Period of home's unoccupancy cover | 60 days |
| Repairs guarantee period | 1 year |
| Trace and access | £5 000 |
| Burst pipe | As standard |
| Blockage of sewer pipe | Not covered |
| Gradual build-up of groundwater | Not covered |
| Subsidence | As standard |
| Underground services | As standard |
| Keys cover | Standard: up to £750 / Superior: up to £1 000 |
| Flood and storm damage (except for fences) | As standard |
Good to know
Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).
Let’s have a look now at Esure contents insurance limits:
| Contents insurance | Limits |
|---|---|
| Maximum sum insured | Standard: up to £50 000 / Superior: up to £75 000 |
| Owner liability | Standard: £2M / Superior: £5M |
| Alternative emergency accomodation | Standard: up to £10 000 / Superior: up to £20 000 |
| Period of home's unoccupancy cover | 60 days |
| Damage made by pets | Not covered |
| Contents kept in garden | Standard: up to £750 / Superior: up to £2 000 |
| Contents kept in outbuildings (garage included) | Not Stated |
| Thefts from outbuildings | Standard: £2 000 / Superior: £7 500 |
| Single item limit for valuables | £1 500 |
| Items temporarily removed from home | Standard and Superior: up to £20 000 |
| Money in and outside the home | Inside: £500 Outside: £500 |
| Credit cards in and outside the home | Inside: £500 Outside: £500 |
| Business equipment kept at home | Standard and Superior: up to £5000 |
| Student equipment | Not Stated |
| Keys cover | Standard: up to £750 / Superior: up to £1 000 |
Asda home insurance additional cover
On top of your Asda buildings and contents insurance, you can find additional cover such as:
| Home insurance additional cover | |
|---|---|
| Accidental damage cover | Optional extra with some cover as standard |
| Home emergency |
|
| Boiler cover |
|
| Legal protection |
|
| Personal possessions | Optional extra |
| Mobile cover |
|
| Bicycle cover |
|
Asda home insurance excess
The deductible you'll have to pay in case of claims are as described below:
| For both building and contents insurance | |
|---|---|
| Excess for standard claims | Not stated |
| Excess for escape water claims | £450 |
| Excess for subsidence claims | Not stated |
| Excess for personal possessions | Not stated |
| Excess for keys | Not stated |
Asda home insurance fees and NCD
To manage your policy, renew, cancel or modify it, Asda fees are as follows:
| Fees applied to manage your Asdahouse policy | |
|---|---|
| Interests on payment installments | Not stated |
| To renew my policy | £0 |
| To adjust my policy | £0 |
| To duplicate documents | £0 |
| To cancel my policy during cooling-off period | £0 |
| To cancel my policy outside cooling-off period | £0 |
| For payment default | £0 |
| To switch from one insurer to Asda | Not covered |
How much does Asda home insurance cost?
You will below indicative quotes for building and contents insurance at Asda:
| Building insurance | Contents insurance | |
|---|---|---|
| Excess | Not stated | Not stated |
| Home cover | Building: £250 000 Contents: £20 000 Personal items: £4 000 | Building: £500 000 Contents: £50 000 Personal items: £8 000 |
| Premium | £175,53 | £344,42 |
It is very difficult to give a precise range of how much exactly will your home insurance cost at Asda as it will mainly depend on:
- The insurance you apply for (building, contents, combined insurance, extras)
- Your address
- Your claim record
- The insured value of your home and of your personal belongings, etc.
Asda will establish a risk rate, taking into account all these elements, and offer you a price based on it.
The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.
Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.
Asda home insurance discounts available
30% discount is given for buying combined policy.
How do I a claim on Asda home insurance?
Claims can be made via the company's 24/7 line.
You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.
| How to claim on Asda home insurance? | |
|---|---|
| Claim by phone | 0800 783 5498 |
Good to know
If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.
How can I cancel Asda house insurance?
To cancel your Asda house insurance, here is what you need to know:
| Cancelling your home insurance at Asda | |
|---|---|
| Cancellation notice if Asda cancel your policy | 14 days |
| Cancellation fees | Fees during cooling-off period: £0 Fees outside cooling-off period: £0 |
| Cancel by phone | 0800 479 8712 |
How to contact Asda home insurance?
| Services | Phone numbers | Opening hours |
|---|---|---|
| Quotes | 0330 0224116 | Mon - Fri, 8:30am to 5:30pm |
| Claims | 0800 783 5498 | 24/7 |
| National Gas Emergency Service | 0800 111 999. | 24/7 |
| Complaints | 0344 893 9013 o | Mon - Fri, 8:30am to 5:30 pm |
| Family Legal Protection | 0344 893 5735. | 24/7 |
Asda home insurance contact details
| Asda contact details | |
|---|---|
| Asda address | Asda Home Insurance |
| Customer service email | Not available |
| Chatbot available | Not available |
How do I log in to Asda customer portal?
You can log in to your customer portal on the website to access and manage your policy documents by clicking on the "Account Login" option.
How do I get Asda home insurance quotes?
To get a quote online at Asda, it couldn’t be simpler.
You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Asda is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.
To get Asda home insurance quotes, you will need to provide:
- Your personal information: ID, age, phone number and job
- Your address and postcode
- Your homeowner record (claims included)
- Your home description (type of property, the date it was built, how many square metres inside and outside)
- Your property related status: do you own it, rent it, have a mortgage on it, etc.
- Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.
The types of questions you will be asked are typically:
- Are you a first-time buyer?
- Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
- Has the property ever been damaged by flood?
- Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.
5 tips to reduce your Asda house insurance quote
- Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
- Increase the excess amount you are willing to pay in case you make a claim.
- Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
- Opt for a policy offering No Claim Bonus to lower your premium if you've gone for a few years without making any claim.
- Consider index-linked cover for building insurance to follow prices of building materials.
