Is SunLife a Good Insurance Company?
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Discover the methodologyYou are considering buying an insurance policy at SunLife and are wondering if SunLife is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about SunLife: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
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Good to know
Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for SunLife.
Who is SunLife?
SunLife offers Home Insurance, Car Insurance and Pet Insurance among several other financial products to people over the age of 50 years. SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers and is authorised and regulated by the Financial Conduct Authority.
What are the main insurance policies available at SunLife?
Let's discover below main insurance policies offered by SunLife.
| Safe overall rate | Our reviews | |
|---|---|---|
| Car insurance | Get to know more | |
| Home insurance | Get to know more | |
| Life insurance | Get to know more |
SunLife expert and consumers reviews: Defaqto, TrustPilot
SunLife is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at SunLife.
| Defaqto | |
|---|---|
| Car insurance | no |
| Home insurance | 5 |
Is SunLife a good car insurance company?
3,8 Safe overall rating for SunLife car insurance
Sunlife car insurance is available across all 3 levels of cover: Comprehensive, FT&TP and Third Party Only. In addition to the main levels of cover, there are optional extras to choose from such as Breakdown Cover, No Claims Protection Cover, Replacement Vehicle Cover, Legal Expense Cover and Keycare Cover.
Unfortunately, Sunlife has not disclosed adequate information about their car insurance covers on their website or provided any policy documents. Therefore, we would advise you to request for policy documents during the application process so as to be aware what you're covered for.
We would recommend this company to drivers over the age of 50 who might find it hard to get insurance covers for their cars.
In addition to typical car insurance coverage choices, SunLife offers, among other options:
Breakdown cover
Available but details not stated.
Windscreen cover
Available but details not stated.
Motor legal protection
Available but details not stated.
Personal injury policy
No details stated.
Besides main car insurance coverage, you can also get extra car insurance options at SunLife. Get to know more, read our complete review on SunLife car insurance.
Is SunLife a good home insurance company?
4,4 Safe overall rating for SunLife home insurance
SunLife is a specialised over 50s insurance provider based in Bristol and it was founded in 1810 and has been part of the Phoenix Group since 2016. SunLife apart from providing home insurance also provides life insurance and funeral plans, as well as car and pet insurance.
Anyone above the age of 18 can apply for home insurance from Sunlife. One level of cover is offered for the home insurance and it has a 5 stars rating from Defaqto, a 4.7/5 rating from TrustPilot and a 4.8/5 rating from Feefo.
This attest to their financial capability as an insurance provider and also their good customer care services. The building insurance covers up to £75,000 for alternative accommodation and £5000 for claims linked to trace and access. The contents insurance covers cash up to £1000 and the maximum claim limit for single valuable item is £1500.
Most of the crucial information however can only be accessed by policyholders. The claim process is known to be prompt and efficient, even though claims can only be made via the company’s dedicated claims line.
SunLife building insurance
You will find below building main insurance details for the Over 50s Home Insurance cover at SunLife:
- Maximum sum insured for your property: Up to £1M
- Owner's liability: £2 000 000
- Alternative emergency accomodation: Up to £75 000
- Period of home's unoccupancy cover: 90 days
- Trace and access: £5 000
- Keys cover: £500
- Subsidence excess: Only stated in policy wording
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
|
| Boiler cover |
|
| Family legal protection |
|
SunLife contents insurance
You will find below contents insurance details for the Over 50s Home Insurance cover at SunLife:
- Maximum sum insured for your contents: £50 000
- Alternative emergency accomodation: Up to £20 000
- Single item limit: £1 500
- Contents in the open: £1 000
- Contents in outbuildings: Only stated in policy wording
- Money / credit card kept at home: £1 000 / Only stated in policy wording
- Items temporarily removed from home: Not Stated
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover | Optional extra |
| Personal possessions cover |
|
| Mobile cover | Not Stated |
| Bike cover | Not Stated |
Standard excess to report a claim at SunLife is Only stated in policy wording.
You will find exhaustive cover details, administration fees, contacts etc. on SunLife home insurance on our review below.
>> MORE: read our complete review on SunLife home insurance.
Is SunLife a good life insurance company?
3 Safe overall rating for SunLife home insurance
Sun Life started its over 50s life insurance service in 1979. The insurance company specialises in providing cover for policyholders over the age of 50.
Other cover options like the 15% Moneyback option, Terminal illness cover and Travel Accident Death Benefit are also offered and can be added as optional extras. They have good reviews both on TrustPilot and Defaqto and the insurance company is recommended for people within this age bracket looking to take out an insurance policy.
In summary, here are the main features you need to know when taking out life insurance with SunLife.
| Life insurance criteria | |
|---|---|
| Minimum age | 50 years |
| Maximum age | 85 years |
| Pay-out | Average of £4000 |
| Extras |
|
| Terminal illness | At SunLife insurance, you are fully insured after 2 years. |
You will find everything you need to know on SunLife life insurance in our review.
>> MORE: read our complete review on SunLife life insurance.
SunLife discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Car insurance |
|
| Home insurance | 25% discount is given when the comprehensive over 50s home insurance is bought. |
| Life insurance | £110 gift card when you sign in |
How to contact SunLife?
Find out how to contact and log in to SunLife on our contact page.
