Home & Motor Insurance
Welcome to our comprehensive home & motor insurance solutions, where we prioritise safeguarding your most valuable assets and providing peace of mind on the road and at home.
Our Home & Motor Insurance Policies
We’re all unique and we all have different needs and priorities. Our personal policies will protect what matters to you.
As our client, you will be listened to by one of our home & motor insurance experts to identify your needs and requirements. Our expert will then liase with our accredited insurers to get a policy to suit you and your needs at the right price. It’s our job to make sure you’re not under or over insured. We want what’s right for you – that’s why we’re here.
What is Home Insurance?
Home insurance, also known as homeowners insurance, is a crucial financial protection for homeowners against various risks and perils. Essentially, it provides cover for the physical structure of the home itself, as well as personal belongings inside the home, in case of damage or loss due to events such as fire, theft, vandalism, or natural disasters. Home insurance typically includes liability coverage, which protects homeowners against legal claims if someone is injured on their property. Additionally, it may cover living expenses if the home becomes uninhabitable due to a covered event, assisting with temporary accommodation and other necessary costs. Home insurance offers peace of mind to homeowners, ensuring they can rebuild, repair, or replace their property and belongings without facing overwhelming financial burdens in the event of an unexpected disaster.
What is Motor Insurance?
Motor insurance, commonly referred to as car insurance, is a fundamental financial safeguard for vehicle owners against potential risks and liabilities associated with owning and operating a vehicle. It provides cover for damages to the insured vehicle, as well as liability cover for injury or property damage caused to others in the event of an accident. Depending on the type of policy, motor insurance may also offer protection against theft, vandalism, natural disasters, and other perils. Motor insurance is not only a legal requirement in many jurisdictions but also serves as a crucial financial safety net, ensuring that drivers can navigate the roads with confidence, knowing they are protected against unforeseen circumstances and potential financial liabilities.
Home & Motor Insurance Policy Types
We will always do our best to help as many businesses as we can. This includes, but is by no means limited to:
Home Insurance
Your home is important and should be protected in any event. Our home insurance is there to do just that.
Landlord Insurance
If you own a rental property, we can offer cover for buildings, contents and loss of rent.
Motor Insurance
Incidents happen on the road, that’s a fact. That’s why our motor insurance is there to protect you and your vehicle.
Unoccupied Properties
Have a property that will be unoccupied for longer than a standard policy covers? We can help.
Our in-house claims department
Here at A-One, we benefit from an in-house claims department. This means that should you need to make a claim on your policy, you will be appointed a dedicated claims handler to manage your claim from start to finish. Our handlers will bridge the gap between you and your insurer. Working to achieve the best possible outcome on your behalf.
This means you'll have one point of contact to manage your claim from start to finish.
What are the Benefits of Home & Motor Insurance?
Home & motor insurance is all about looking out for individuals when tough times hit—whether it’s due to loss from unfortunate events like death, injury, or property loss. It’s like a safety net for you and your loved ones, ensuring you’re covered for losses that might be too much to handle on your own. You’ll have peace of mind when driving your car or owning your own home, knowing that you’re shielded from potential financial setbacks.
Financial Protection
Personal lines insurance provides a financial safety net, helping individuals and families cope with unexpected expenses related to accidents, injuries, or property damage.
Cover for Personal Property
Personal lines insurance often includes coverage for personal property, such as home contents, against risks like theft, fire, or natural disasters.
Risk Mitigation for Homeowners
Homeowners insurance within personal lines coverage protects against risks like fire, theft, and natural disasters, providing financial assistance for repairs or rebuilding.
Peace of Mind
Knowing that you have insurance coverage brings peace of mind. It allows you to go about your daily life without constant worry about potential financial setbacks.
Legal Assistance
Many personal lines insurance policies offer legal assistance coverage, helping with legal fees and related expenses in case you need legal representation.
Motor Protection
Motor insurance, a crucial part of personal lines coverage, helps cover the costs of repairs or replacements in case of accidents, theft, or damage to your vehicle.
Home & Motor Insurance FAQ’s
What is home insurance?
Home insurance is generally split into two parts – buildings insurance and contents insurance.
Buildings insurance covers the physical structure of your home. Protecting against things such as weather and fire damage. Contents insurance protects your belongings against damage and theft.
Buildings and contents policies can be purchased separately or as one joint policy.
What level of cover do I need?
The amount of coverage depends on individual circumstances. Factors such as income, assets, and personal preferences play a role. We will take all the time you need to go through this with you and help work it out together.
What does 'excess' mean?
The term ‘excess’ refers to the amount of money for making a claim.
It simply means how much you will need to put towards the total claim cost before your insurer pays the rest.
Can I customise my cover?
Yes, many insurance policies offer flexibility. You can customise coverage based on your needs, adding or removing specific types of coverage or adjusting coverage limits. We’ll help you figure out exactly what you need and what you don’t.