• AssumptionsStep 1 of 7
  • About You Step 2 of 7
  • About Your PropertyStep 3 of 7
  • CoverStep 4 of 7
  • Your QuoteStep 5 of 7
  • PaymentStep 6 of 7
  • CompleteStep 7 of 7

Assumptions – Home Insurance

Before we go any further with your quote, we just want to check a few things with you first.

We've assumed some facts about you and your property to speed the process up a bit. All you need to do is check that these all apply to you, then click ‘confirm’.

If these assumptions don’t apply to you, we may be able to find you an alternative option – just get in touch on 0131 555 5999 and we’ll see what we can do.

Assumptions about this cover:


  • Are a resident of the UK.
  • Have no criminal convictions and no pending criminal convictions.
  • Have not being declared bankrupt.
  • Have ever had any special terms, or premium increases applied to your insurance.

Joint Applicant (if applicable)

  • Are a resident of the UK.
  • Have no criminal convictions and no pending criminal convictions.

Please answer honestly and to the best of your knowledge, as any incorrect information supplied could invalidate your policy, and may result in no pay out in the event of a claim.

In order to proceed with this quotation and to set up cover online, you will also need a valid email address.

If all of the above applies to you, click ‘Confirm’ to move on to the next stage.

Please note

Insurers may also obtain publically available information from third parties, for the purpose of identity verification and fraud prevention, including a credit reference agency. Their search will appear on your credit report whether or not your applications proceed but will not impact your credit history.
You should be aware that insurers exchange information through various databases to help check information provided and to prevent fraudulent claims. Specifically, Insurance Database Services Limited (IDSL) hosts the Claims and Underwriting Exchange (CUE) which holds a record of incidents reported to insurance companies by policyholders and third party claimants.
Insurers may validate the information provided by you, both about yourself and about any other person named on the application, against the information held on CUE and against other databases hosted by IDSL. Insurers may use this information to consider whether to accept the risk.
For details relating to information held about you on the Claims and Underwriting Exchange please visit insurancedatabases.co.uk

To ensure our insurers and credit providers have the necessary facts to assess your insurance risk, verify your identity, to help prevent fraud and to provide you with their best premium and payment options, they may obtain information from third parties at quotation and renewal and in certain circumstances where policy amendments are requested.
This information includes a quotation search from a credit referencing agency. This search will appear on your credit report and will be visible to other credit providers. It will be clear that this is a quotation rather than a credit application by you to pay by monthly instalments.

By clicking 'Confirm' you agree to the above searches and you accept the above assumptions and statements as well as our Terms and Conditions which include full details of our charges and how we use your personal information.