Endsleigh 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 Endsleigh 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 Endsleigh 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 Endsleigh 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 Endsleigh's home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.
4,2 Safe overall rating for Endsleigh
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction and claims |
24/7 home emergency helpline | |
| Cover provided for your home |
£1000 is provided to insure credit cards | |
| Value for money |
20% discount is given for buying combined policy | |
| Financial strength | Endsleigh Home Insurance is underwritten by Endsleigh Insurance Services Limited. | |
| Technology |
Live chat option is available |
Expert and customer satisfaction reviews for Endsleigh home insurance
| Review organisation | Endsleigh home insurance reviews |
|---|---|
Defaqto expert | Content: 1 star |
| Smartmoneypeople | 4,6/5 based on 254 customer reviews |
| Overall Which? Score | 52% |
Our general opinion on Endsleigh home insurance
Endsleigh was founded in 1965 by NUS and their aim is to provide cheap and affordable insurance. Apart from home insurance services, they also offer car insurance, home insurance, gadget, travel, life and landlords insurance. The Endsleigh Home Insurance is underwritten by Endsleigh Insurance Services Limited.
Endsleigh offers different types of insurance services including building and contents cover, landlord insurance, unoccupied home insurance, subsidence home insurance and holiday home insurance. They have an average rating of 52% on Which, a low rating of 2 stars on Defaqto and a 4,6/5 rating on TrustPilot.
The buildings cover offers insurance for fixtures and fittings, £10,000 worth of liability cover, personal liability cover of up to £2M, £50,000 for alternative accommodation, cover for fire and smoke damage, theft and malicious damage, flooding, subsidence, vehicle impact, accidental damage to windows and sanitary ware, accidental damage to pipes and cables and alternative accommodation if the property becomes uninhabitable. The exact sums payable will depend on the level of insurance you choose. You can also purchase legal cover and ‘home emergency’ cover as optional extras.
Contents insurance protects your belongings from damage, fire and theft, with an option for accidental damage. Endsleigh offers up to £80,000 for content building insurance, cover for student's belongings, business equipment and many others. Their services are recommended as they offer affordable insurance rates.
What does Endsleigh 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 Endsleigh 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 Endsleigh covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.
Endsleigh buildings and contents insurance
Endsleigh 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:
| Endsleigh building insurance | Limits |
|---|---|
| Maximum sum insured | £500 000 |
| Owner liability | £2 000 000 |
| Alternative emergency accomodation | £50 000 |
| Period of home's unoccupancy cover | 60 days |
| Repairs guarantee period | 1 year |
| Trace and access | £2 000 |
| Burst pipe | As standard |
| Blockage of sewer pipe | Optional extra |
| Gradual build-up of groundwater | Not covered |
| Subsidence | As standard |
| Underground services | As standard |
| Keys cover | £500 |
| 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 | £80 000 |
| Owner liability | 30% of sum insured |
| Alternative emergency accomodation | £7 500 |
| Period of home's unoccupancy cover | 60 days |
| Damage made by pets | Not covered |
| Contents kept in garden | Not Stated |
| Contents kept in outbuildings (garage included) | £3 000 |
| Thefts from outbuildings | £500 |
| Single item limit for valuables | £1 500 |
| Items temporarily removed from home | £7 500 |
| Money in and outside the home | Inside: £500 Outside: £250 |
| Credit cards in and outside the home | Inside: £1 000 Outside: £1 000 |
| Business equipment kept at home | £5 000 |
| Student equipment | £1 500 |
| Keys cover | £500 |
Endsleigh home insurance additional cover
On top of your Endsleigh buildings and contents insurance, you can find additional cover such as:
| Home insurance additional cover | |
|---|---|
| Accidental damage cover | Optional extra |
| Home emergency |
|
| Boiler cover |
|
| Legal protection |
|
| Personal possessions | Only stated in schedule |
| Mobile cover | Only stated in schedule |
| Bicycle cover | Only stated in schedule |
Endsleigh 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 | Only stated in schedule |
| Excess for escape water claims | Only stated in schedule |
| Excess for subsidence claims | Only stated in schedule |
| Excess for personal possessions | Only stated in schedule |
| Excess for keys | Only stated in schedule |
Endsleigh home insurance fees and NCD
To manage your policy, renew, cancel or modify it, Endsleigh fees are as follows:
| Fees applied to manage your Endsleighhouse policy | |
|---|---|
| Interests on payment installments | Not Stated |
| To renew my policy | £0 |
| To adjust my policy | £30 |
| To duplicate documents | Not Stated |
| To cancel my policy during cooling-off period | £0 |
| To cancel my policy outside cooling-off period | £30 |
| For payment default | £20 |
| To switch from one insurer to Endsleigh | Not covered |
How much does Endsleigh home insurance cost?
You will below indicative quotes for building and contents insurance at Endsleigh:
| Building insurance | Contents insurance | |
|---|---|---|
| Excess | Only stated in schedule | Only stated in schedule |
| Home cover | Building: £250 000 Contents: £20 000 Personal items: £4 000 | Building: £500 000 Contents: £50 000 Personal items: £8 000 |
| Premium | £173,89 | £341,20 |
It is very difficult to give a precise range of how much exactly will your home insurance cost at Endsleigh 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.
Endsleigh 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.
Endsleigh home insurance discounts available
20% discount is given for buying combined policy.
How do I a claim on Endsleigh home insurance?
At Endsleigh, Claims can be made online and via phone call.
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 Endsleigh home insurance? | |
|---|---|
| Claim online | |
| Claim by phone | 0333 234 1688 |
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 Endsleigh house insurance?
To cancel your Endsleigh house insurance, here is what you need to know:
| Cancelling your home insurance at Endsleigh | |
|---|---|
| Cancellation notice if Endsleigh cancel your policy | 14 days |
| Cancellation fees | Fees during cooling-off period: £0 Fees outside cooling-off period: £30 |
| Cancel by phone | 0333 234 1558 |
How to contact Endsleigh home insurance?
| Services | Phone numbers | Opening hours |
|---|---|---|
| Claims | 03332341688 | Mon-Fri: 8am to 6pm |
| Quotes | 0333 234 1552 | Mon-Fri: 8am to 6pm |
| Policy Renewal | 0333 234 1552 | Mon-Fri: 8am to 6pm |
| Change your Policy | 0333 234 1552 | Mon-Fri: 8am to 6pm |
| Cancelling your policy | 0333 234 1558. | Mon-Fri: 8am to 6pm |
Endsleigh home insurance contact details
| Endsleigh contact details | |
|---|---|
| Endsleigh address | Endsleigh Home Insurance |
| Customer service email | |
| Chatbot available | Live chat is available |
How do I log in to Endsleigh customer portal?
You can login by clicking on the "Account" option on the Homepage of the website.
To access, it, you can follow this link: https://client.endsleigh.co.uk/
How do I get Endsleigh home insurance quotes?
To get a quote online at Endsleigh, 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 Endsleigh 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 Endsleigh 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 Endsleigh 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.
