Intelligent Insurance home insurance

You can tell Intelligent Insurance at any point up until your renewal date that you do not wish to renew your policy.

There is no charge for not renewing.

If you cancel your Intelligent Insurance home insurance within the first 14 days of your policy starting you will be entitled to a full refund of the premiums you paid.

If you wish to cancel your policy at any time later than 14 days after it has started, you may be entitled to a partial refund of the premiums you paid, minus a pro-rated amount for the days you were covered.

Intelligent Insurance will charge you a £60 admin fee, which will be taken out of your refund.

If you cancel your Intelligent Insurance home insurance within the first 14 days of your policy auto-renewing you will be entitled to a full refund of the premiums you paid minus a pro-rated amount for the days you were covered.

If you wish to cancel your policy at any time later than 14 days after it has auto-renewed, you may be entitled to a partial refund of the premiums you paid, minus a pro-rated amount for the days you were covered.

Intelligent Insurance will charge you a £60 admin fee, which will be taken out of your refund.

Intelligent Insurance is an insurance broker rather than an underwriter. It arranges policies through a panel of UK insurers, so the company underwriting your cover depends on your property and circumstances.

Check your quote or policy schedule to find the name of your insurer, as this company will normally handle and pay any claim.

Yes, you can usually pay annually by debit or credit card or spread the cost through monthly Direct Debit payments.

Paying monthly involves a credit agreement and a credit charge may apply, so check the total cost shown with your quote.

Yes, Intelligent Insurance can provide buildings cover for subsidence, heave and landslip. It also specialises in arranging insurance for homes that have previously suffered subsidence or been underpinned.

Cover depends on the insurer and information provided when you apply. Exclusions can include normal settlement, erosion, faulty workmanship and damage during structural alterations, while a separate excess may also apply.

Basic home emergency insurance is included as standard, providing up to £250 per call-out for certain urgent problems such as plumbing or electrical emergencies.

Boiler and heating-system cover is available through the optional Home Emergency Plus upgrade. This provides up to £1,000 per call-out and £1,000 across the policy year, as well as alternative accommodation in some circumstances.

Belongings taken outside your home can be covered by adding personal belongings insurance for an extra cost.

You can normally choose up to £10,000 of cover in £1,000 increments. Items worth more than £2,000 generally need to be specified, while cover can apply throughout Europe and for up to 60 days elsewhere worldwide.

Yes, permanent domestic outbuildings such as garages, sheds, greenhouses and garden offices are normally included. Standard cover can provide up to £30,000 across all outbuildings and £5,000 for contents kept inside them.

Garden furniture and plant pots can be treated as contents in the open, with cover of up to £1,000 depending on the underwriter. Theft from an outbuilding may only be covered where there are signs of forcible and violent entry.

There is no single Intelligent Insurance excess because policies are offered through several insurers. Your total excess can include:

• A compulsory excess set by the insurer

• Any voluntary excess you select

• Separate excesses for risks such as escape of water, flood or subsidence

• A £100 excess for claims under standard family legal protection

The exact amounts that apply will be shown in your quote and policy schedule.