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
*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.
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).
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
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.
This provides you with cover for your personal belongings (including pedal cycles), money and valuables away from the home. We’ll 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.
*Contact your insurer on the claim telephone number stated on your schedule.
or telephone 0800 280 2205.
*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.
*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.
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.
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.
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.
Yes, if you have a credit or debit card we can insure your home straight away. This is subject to normal terms and conditions.
We try to get documents to our customers as quickly as possible. All our mail is sent by 1st class post, but you should allow 3-5 working days for the mail to reach you.
Please call your insurer straight away to report the claim. Their phone number will be shown on your policy schedule. If you can’t find this, please call us on 0800 027 1436 and we will transfer you through to them.
Yes, but there will be a reduction for wear and tear on clothing, furs and linen. For buildings, there may be a reduction in the claim amount if the buildings have not been kept in a good state of repair, or if they haven’t been insured for their full value. The policy book shows full details of this.
We can quote for up to 5 bedrooms as standard. If your home has more than this, please call us on 0800 027 7173.
Yes, the discount you will get will depend on how many years you have had Home Insurance without making a claim.
The most we can cover as standard is £50,000. If you need more cover than this, please call and we will try to find a policy that will meet your needs.
Yes, if you have a NACOSS (National Approval Council for Security System) approved security system with a maintenance contract we may be able to give you a discount.
Yes, we cover bicycles for up to £500 each. If you want the bike covered outside the home you will need to insure it separately under the Personal Possessions option.
Limited accidental damage cover is included for home entertainment equipment and glass in furniture. If you want full accidental damage cover for all of your contents, you will need to choose this extra option. Please look at the policy book for full details of the cover given under each option.
We can take payment from your credit or debit card. You can choose to pay by one lump sum or by Direct Debit. A deposit will be needed if you pay by direct debit.
This should be insured for the cost of rebuilding (not the current market value), which can usually be found on the buyers' report or survey you got when you bought the property (although, if this was not in the last few years, the amount will need to be increased to take inflation into account).
Or, you can check what amount is insured on your current buildings insurance policy.
As a guide, contents are all of the items you would be likely to take when moving out, including carpets, curtains, furniture, electrical appliances, valuables, clothing and personal items. You should insure your contents for the total amount it would take to replace them at today’s prices.
We may be able to cover this. Please call us on 0800 027 7173 and we will check this for you.
Yes, if you own the contents of the flat, that is, it’s not rented “furnished”. The lowest amount we can offer insurance for is £15,000.
No, but if you make a claim, you may be asked for evidence of value and ownership such as purchase receipts and instruction manuals. This is especially important for valuables, such as jewellery, watches or works of art.
Yes. All domestic garages, outbuildings, sheds, extensions and conservatories are included in the buildings cover. You should make sure that your Buildings sum insured includes the rebuilding cost of these structures.
You only need to tell us about individual "valuables", that is, jewellery, watches, furs, items or sets or collections of gold, silver or other precious metals, works of art, sets of stamps or coins or medals.
If you have valuables which are worth over £750 you will need to name these on your policy
We may be able to insure a second home if we already insure your main home. But we can’t give cover if the second home is let out. There may be some differences in cover, depending on the circumstances. If you’d like a quote for a second home please give us a call on 0800 027 7173.
Yes, we can insure your home if it’s used for business, but only if it’s clerical business work. Please call us on 0800 027 7173 so that we can check if we can cover you.
Please call our Customer Service department on 0800 027 9370 where we will be able to help you.
Until the extension is completed any loss or damage to the extension and unfixed materials would not be covered. Please call our Customer Service department on 0800 027 9370 to tell us when the building work starts and when it is completed. This will allow us to tell your insurer about it, and increase the sum insured to the new value.
Only if you choose the Personal Possessions option. This will insure your personal belongings against theft, loss or accidental damage anywhere in Britain and for up to 60 days abroad each year. This includes one bicycle, up to £500 for Money and £500 for Credit Cards.
Kwik-Fit Insurance is part of the Kwik-Fit Group of companies.
Registered in Scotland, number: 147319.
Registered Office: 216 East Main Street, Broxburn, EH52 5AS.
All policies are subject to qualifying criteria, terms and conditions, details of which will be discussed when you call.
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.
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).
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.
Insurance cover will only begin when we receive your payment and we issue confirmation that cover has begun. We can only sell policies over the phone currently, but plan to extend this to the internet in future.
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.
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, such as breakdown cover, legal expenses insurance and payment protection cover if you also pay these policies by direct debit. 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.
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. For motor insurance, you will need to return the certificate of motor insurance to us within 7 days of the cancellation date.
If you buy home insurance with us, and later decide to cancel the policy, we will make
a £30 cancellation charge. This is in addition to the insurers' charge for
the cover provided.
If you make any changes to a home policy, we will make an administration charge of
between £5 to £15, depending on the type of change.
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.
We aim to achieve 100% customer delight at all times. If we let you down, please tell
us and we will do our utmost to resolve the issue as quickly and fairly as
possible.
Step 1
In the first instance, please call the following number - 0800 280 2205
Our experienced staff will do their best to resolve the matter without delay. In the
unlikely event that you are not completely satisfied, please ask to speak to one of our
Customer Service Managers.
If you prefer, you may write to our Managing Director outlining your concerns and quoting
your Customer Reference Number:
The Managing Director
Kwik-Fit Insurance Limited
P O Box 007
Glasgow
G71 5PU
Alternatively, you can email us at info@kfis.co.uk
Our aim is to acknowledge your complaint within a maximum of 5 working days and send you
our final written response within a maximum of 20 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 require a completed form, which can be accessed via their website at
www.financial-ombudsman.org.uk
Alternatively, they can 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.
If you would like a sample of our policy wording, please call us.
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.
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
E-Mailing us at info@kfis.co.uk
Kwik-Fit Insurance is part of the Kwik-Fit Group of companies.
Registered in Scotland, number: 147319.
Registered Office: 216 East Main Street, Broxburn, EH52 5AS.