Compare top 5 home insurance over 50 comparison

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Compare top 5 home insurance over 50 comparison

 

Company Name

Cover Type

Monthly Price

Annual Price

Know More

Ensure Home Insurance home insurance over 50 £10.03 £108.96 Know More
Gold Sheilas Wheels Home Insurance home insurance over 50 £10.27 £111.59 Know More
Legal and General Home Insurance home insurance over 50 £10.49 £115.96 Know More
Dial direct Home Insurance home insurance over 50 £11.64 £122.47 Know More
Bradford and Bingley Home Insurance home insurance over 50 £12.84 £135.51 Know More

What is different about over 50 insurance?

Insurers like over 50 because they reduce less domestic insurance claims than younger generations. The insurer may also believe that in the form of an experienced house they are likely to be more responsible and take care of valuable assets. For whatever reason, now is the time for you to take advantage of the proposals?

What to consider when choosing your policy

Some of your valuable assets may be with you for a long time, so you do not want to argue with the insurer about their value. In your policy, you will want to select the ‘New for Old’ clause, which means that you get a new item to replace any damaged or lost thing, and you do not need to argue the evaluation of the other hand.

If you have a big house to consider, then you have to make sure that the construction of your policy is the correct level of cover. Check out the small print on any policy, if you need to claim, then there is no time to ascertain that there is a limit on the claim and it is less than the value of your home.

You also want to ensure that the policy covers the reconstruction cost – instead of the market value, the amount that will be needed to rebuild your house from scratch. With any policy you need to make a list of priorities and then see what you really need. You think you can save big by switching policies, or get a better cover. We can help you find the answers you need.

How much better is home insurance for more than 50 years?

At the same time, many insurers are considered to be less risky, with a series of expert policies for Over 50 years, there is a wide range of policies available to you as well as the upper hand. Companies like RIAs have been able to negotiate exemptions and even a one-time welcome bonus, which they have to try to compete with traditional insurance companies.

Do not just accept that they have the best deals. Make sure you check the market, and this is where we are here to help. If you are in the market for more than 50 home insurance then you are worth a prize and insurance companies are going out for your business. So if you have renewed your insurance every year without checking the options, then you may have missed significant savings on each renewal.

It’s never too late to look for a better deal. Let us guide you through the maze of more than 50 home insurance and make sure that you get the best treatment for the best deal and level of cover which you like best.

Property details

Your mid terraced house has 3 bedrooms,1 reception room, 2 bathrooms and 1 other room. The property is owned outright. It was built in 2016and you have lived there for 2 whole years.

You have chosen to add Alternative Accommodation and Replacement Locks & Keys cover.

 

Building construction

The external walls are built with brick and the roof is made of concrete with up to 30% of the roof flat. It isin a good state of repair and isn’t undergoing building work. Operational smoke detectors are fitted. The property is not listed and has no business or professional use.

 

About your property

Your home would cost £162,000 to rebuild. There are trees taller than 10m within 5m of your home. It hasn’t suffered from subsidence, doesn’t have cracks on the external walls and hasn’t been underpinned. Your home isn’t within 400m of water and hasn’t been flooded.

For your buildings, you’ve asked for accidental damage cover and £250 voluntary excess. You’ve held buildings insurance without claiming for 0 years.

You have chosen to add Home Emergency and Legal Assistance cover.

 

Contents cover

You haven’t added any specified items and you haven’t added any bicycles.

It would cost £35,000 to replace the contents of your home as new and of this amount £8,750 is for high risk items. You haven’t added personal possessions cover.

For your contents, you’ve asked for no accidental damage cover and £250 voluntary excess. You’ve held contents insurance without claiming for 0 years.

You have chosen not to add New for Old and Freezer Contents cover.

Feature Explained

 Voluntary excess

The voluntary addition shown on each quote is the closest match to the voluntary addition requested by you.The provider may charge a compulsory additional fee in addition to the voluntary surplus.Please note that the provider can also apply additional redundancy for specific types of claims such as extra or at least part of the water, it will be payable on the top of the voluntary and compulsory addition.

Legal Assistance

Under the litigation costs or under circumstances, you are protected against the cost of claiming against someone else. You will get a minimum £ 25,000 cover.

Home emergency cover

As a result of your home being unsafe or unsafe, it provides immediate relief to resolve an emergency, there is a risk of damage to the property, or the risk of health and safety of family members. You will get a minimum £ 200 cover.

Replacement locks and keys

Repair or replacement of your home keys and locks should be covered, stolen or damaged. You will get a minimum £ 250 cover.

New to old

Unlike the original price on the purchase, replace the items based on the current market price.

Freezer content cover

Cover for loss of food in your freezer as a result of an unexpected failure. You will get a minimum £ 200 cover.

Alternative accommodation

Covering you for alternative housing, your home should be exiled due to an insured event. You will get a minimum £ 10,000 cover.

M&S home insurance can cover your home as per your requirements.

Ensure Home Insurance

About: 

Ensure was founded in 2000 by Chairman Sir Peter Wood – a direct selling pioneer. Ensure’s cover is rated 5 Star by independent financial researcher DEfaqto. Ensure has UK Claims Line Monday to Friday 8am to 8pm and Saturday 9am to 4pm. Out of hours claim notification line and 24 hour legal advice line.

 

Annual Price £108.96
Monthly Price Deposit £19.09

10 x £10.03

Total:

£119.39

 

Buildings Cover Content Cover
Cover Amount Unlimited £35,000
Accidental Damage Included Not Included
Voluntary
Compulsory
Total Excess
£250

£100

£350

£250

£100

£350

 

Legal Assistance Added for free for the first Years
Home Emergency Cover Added for free for the first Years
Replacement Locks and Keys Included
New For Old Included
Freezer Contents Cover Included
Alternative Accommodation Included

 

What you’ve asked for

You can make changes by using the filter at the top of this page.

·         Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances.

What’s included?

    • £50,000 limit
    • Legal disputes for your insured home like boundary disputes or trespassing
    • Employment disputes
    • Contract disputes
    • Personal injury claims
    • Property protection
    • Supplying a legal defence

What’s not included?

    • Clinical negligence

You’ve added this for free for the first year.

·         Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety.

What’s included?

    • £500 limit
    • £0 excess applies
    • Cover for your boiler and its controls
    • Cover for blocked toilets
    • Cover for making the property secure after a theft or attempted theft
    • Cover for isolating/repair or replacement of leaking pipework causing damage to your home
    • Cover for oil fired boilers
    • Cover for boiler breakdowns in summer months
    • Cover for boilers which have not been annually serviced

What’s not included?

    • Cover for a full electrical failure
    • Cover for a partial failure of heating e.g no hot water
    • Roof damage caused by a storm
    • Removal or treatment of vermin and infestations

You’ve added this for free for the first year.

·         Replacement Locks & Keys

Covers repair or replacement of your house keys and locks should they be lost, stolen or damaged.

What’s included?

    • Up to £1,000 limit cover in this policy plan.
    • Up to £100 excess applies
    • Loss or theft of keys to external doors of your home

What’s not included?

    • Replacement of other keys on the fob e.g car key following a loss or theft is not included
    • Cover for internal door locks and keys

·         Alternative Accommodation

Covers you for alternative accommodation should your home be made uninhabitable due to an insured event.

What’s included?

    • £75,000 (Buildings), £10,000 (Contents) limit cover in this policy plan.
    • Temporary accommodation should your home be made uninhabitable by an insured event
    • Cover for accommodation/kennels for pets

These are included as standard

·         New for Old

Replace items based on current market value opposed to original value at purchase.

What’s included?

    • Replace items at their current market value

Policy fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Adjustment fee: £20.00
  • Duplicate document fee: £0.00
  • Payment default fee: £0.00
  • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £58.00

Pros:

  • Personal injury claims included in this plan policy.
  • Up to £1,000 limit cover in this policy plan.
  • Legal Assistance and Home emergency cover added free for first year in this policy plan.

Cons:

  • Replacement of other keys on the fob e.g car key following a loss or theft is not included

 

Gold Sheilas’ Wheels Home Insurance

About: Sheilas’ Wheels brand was created in 2005 by Chairman Sir Peter Wood – a direct selling pioneer. Sheilas’ Wheels cover is rated 5 Star by independent financial researcher DEfaqto.

  • UK Call Centre Monday to Friday 8am to 8pm, Saturday 9am to 5pm and Sunday 9am to 2pm
  • UK Claims Line Monday to Friday 8am to 8pm and Saturday 9am to 4pm
  • Out of hours claim notification line and 24 hour legal advice line

 

Annual Price £111.59
Monthly Price Deposit £19.57

10 x £10.27

Total:

£122.27

 

Buildings Cover Content Cover
Cover Amount Unlimited £35,000
Accidental Damage Included Not Included
Voluntary
Compulsory
Total Excess
£250

£100

£350

£250

£100

£350

 

Legal Assistance Added for free for the first Years
Home Emergency Cover Added for free for the first Years
Replacement Locks and Keys Included
New For Old Included
Freezer Contents Cover Included
Alternative Accommodation Included

 

 

What you’ve asked for

You can make changes by using the filter at the top of this page.

·         Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances.

What’s included?

    • Up to £50,000 limit is cover in this policy plan.
    • Legal disputes for your insured home like boundary disputes or trespassing
    • Employment disputes is included in this policy plan.
    • Contract disputes included
    • Personal injury claims
    • Property protection
    • Supplying a legal defence

What’s not included?

    • Clinical negligence

You’ve added this for free for the first year.

·         Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety.

What’s included?

    • Up to £500 limit
    • £0 excess applies
    • Cover for your boiler and its controls
    • Cover for blocked toilets
    • Cover for making the property secure after a theft or attempted theft
    • Cover for isolating/repair or replacement of leaking pipework causing damage to your home.
    • Cover for oil fired boilers
    • Cover for boiler breakdowns in summer months
    • Cover for boilers which have not been annually serviced

What’s not included?

    • Cover for a full electrical failure
    • Cover for a partial failure of heating e.g no hot water
    • Roof damage caused by a storm
    • Removal or treatment of vermin and infestations

You’ve added this for free for the first year.

Replacement Locks & Keys

Covers repair or replacement of your house keys and locks should they be lost, stolen or damaged.

What’s included?

    • £1,000 limit
    • £100 excess applies
    • Loss or theft of keys to external doors of your home

What’s not included?

    • Replacement of other keys on the fob e.g car key following a loss or theft
    • Cover for internal door locks and keys

Alternative Accommodation

Covers you for alternative accommodation should your home be made uninhabitable due to an insured event.

What’s included?

    • £75,000 (Buildings), £10,000 (Contents) limit
    • Temporary accommodation should your home be made uninhabitable by an insured event
    • Cover for accommodation/kennels for pets

These are included as standard

New for Old

Replace items based on current market value opposed to original value at purchase.

What’s included?

    • Replace items at their current market value

Policy fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Adjustment fee: £20.00
  • Duplicate document fee: £0.00
  • Payment default fee: £0.00
  • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £58.00

Pros:

  • Employment disputes is included in this policy plan.
  • Legal Assistance and Home emergency cover added free for first year in this policy plan.
  • This policy cover for isolating/repair or replacement of leaking pipework causing damage to your home.
  • Policy fees is very low compare to other companies.

Cons:

  • Roof damage caused by a storm in not included.

 

Legal and General Home Insurance

 

About Legal & General: This Company haveUK based call centres, a claims line open 24/7 365 days a year and alsoDomestic Emergency helpline open 24 hours. They have won the Home Insurance Provider of the Year by Money facts Consumer Award – 2017 & 2018. A Winner of Consumer intelligence Customer Trust award 2018- voted by householders. A name you can trust. They have been insuring homes like yours for over 90 years. They also offer Pet, Life and Travel insurance

 

Annual Price £115.96
Monthly Price Deposit £20.92

10 x £10.49

Total:

£125.82

 

Buildings Cover Content Cover
Cover Amount £10,00,000 £60,000
Accidental Damage Included Not Included
Voluntary
Compulsory
Total Excess
£250

£100

£350

£250

£100

£350

 

Legal Assistance Included
Home Emergency Cover Included
Replacement Locks and Keys Included
New For Old Included
Freezer Contents Cover Not Included
Alternative Accommodation Included

 

What you’ve asked for

You can make changes by using the filter at the top of this page.

·         Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances.

What’s included?

    • £50,000 limit
    • Legal disputes for your insured home like boundary disputes or trespassing
    • Employment disputes
    • Contract disputes
    • Personal injury claims
    • Property protection
    • Supplying a legal defense

What’s not included?

    • Clinical negligence

·         Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety.

What’s included?

    • Up to £500 limit
    • £0 excess applies
    • Cover for your boiler and its controls
    • Cover for a full electrical failure
    • Cover for making the property secure after a theft or attempted theft
    • Cover for isolating/repair or replacement of leaking pipework causing damage to your home
    • Cover for a partial failure of heating e.g no hot water
    • Cover for oil fired boilers
    • Cover for boilers which have not been annually serviced
    • Roof damage caused by a storm

What’s not included?

    • Cover for blocked toilets
    • Cover for boiler breakdowns in summer months
    • Removal or treatment of vermin and infestations

·         Replacement Locks & Keys

Covers repair or replacement of your house keys and locks should they be lost, stolen or damaged.

What’s included?

    • £500 limit
    • Up to £100 plus voluntary excess applies
    • Loss or theft of keys to external doors of your home

What’s not included?

    • Replacement of other keys on the fob e.g car key following a loss or theft
    • Cover for internal door locks and keys

·         Alternative Accommodation

Covers you for alternative accommodation should your home be made uninhabitable due to an insured event.

What’s included?

    • Up to £25,000 (Buildings), 15% Contents Sum insured (Contents) limit
    • Temporary accommodation should your home be made uninhabitable by an insured event
    • Cover for accommodation/kennels for pets

These are included as standard

·         New for Old

Replace items based on current market value opposed to original value at purchase.

What’s included?

    • Replace items at their current market value

This policy doesn’t come with

·         Freezer Contents Cover

Cover for loss of food in your freezer as a result of an unexpected failure.

Policy fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Adjustment fee: £0.00
  • Duplicate document fee: £0.00
  • Payment default fee: £0.00
  • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £24.99

Pros:

  • Loss or theft of keys to external doors of your home is insured in this policy plan.
  • This policy cover for isolating/repair or replacement of leaking pipework causing damage to your home.
  • Addition Damage is included in this policy plan.
  • Policy fees is very low.

Cons:

  • Freezer contents cover is not included in this policy plan.

 

Dial direct Home Insurance

 

About Dial Direct

  • Dial Direct have helped over 1 million customers with their insurance needs
  • Award winning UK contact centre open Monday to Friday 8am-9pm; Saturday 9am-5pm; Sunday 10am-4pm
  • View and manage your policy documents online 24/7 by using your Self Service Centre
Annual Price £122.47
Monthly Price Deposit £10.27

11 x £11.64

Total:

£138.31

 

Buildings Cover Content Cover
Cover Amount £10,00,000 £35,000
Accidental Damage Included Not Included
Voluntary
Compulsory
Total Excess
£200

£100

£300

£200

£100

£300

 

Legal Assistance Included
Home Emergency Cover Included
Replacement Locks and Keys Included
New For Old Included
Freezer Contents Cover Included
Alternative Accommodation Included

 

Policy Plan

·         Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances.

What’s included?

    • Up to £50,000 limit
    • Legal disputes for your insured home like boundary disputes or trespassing
    • Employment disputes
    • Contract disputes
    • Personal injury claims

What’s not included?

    • Property protection
    • Supplying a legal defense
    • Clinical negligence

·         Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety.

What’s included?

    • Up to £1,000 limit
    • £0 excess applies
    • Cover for your boiler and its controls
    • Cover for a full electrical failure
    • Cover for blocked toilets
    • Cover for making the property secure after a theft or attempted theft
    • Cover for isolating/repair or replacement of leaking pipework causing damage to your home
    • Cover for boiler breakdowns in summer months
    • Removal or treatment of vermin and infestations

What’s not included?

    • Cover for a partial failure of heating e.g no hot water
    • Cover for oil fired boilers
    • Cover for boilers which have not been annually serviced
    • Roof damage caused by a storm

·         Replacement Locks & Keys

Covers repair or replacement of your house keys and locks should they be lost, stolen or damaged.

What’s included?

    • Up to £500 limit
    • Policy excess applies
    • Loss or theft of keys to external doors of your home

What’s not included?

    • Replacement of other keys on the fob e.g car key following a loss or theft
    • Cover for internal door locks and keys

·         Alternative Accommodation

Covers you for alternative accommodation should your home be made uninhabitable due to an insured event.

What’s included?

    • 20% Buildings Sum Insured, up to £15,000 limit
    • Temporary accommodation should your home be made uninhabitable by an insured event

What’s not included?

    • Cover for accommodation/kennels for pets

These are included as standard

·         New for Old

Replace items based on current market value opposed to original value at purchase.

What’s included?

    • Replace items at their current market value

Policy fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Adjustment fee: £0.00
  • Duplicate document fee: £0.00
  • Payment default fee: £10.00
  • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £35.00

Pros:

  • Legal disputes for your insured home like boundary disputes or trespassing is included in this policy plan.
  • Full electrical failure is cover in this policy plan.
  • This policy give you replace items at their current market value.

Cons:

  • Supplying a legal defense is not cover in this policy plan.

 

Bradford and Bingley Home Insurance

 

About Bradford & Bingley

  • Telephone support Mon-Fri 8am to 10pm, Sat 8am-6pm and Sundays 10-4pm
  • Manage your policy online with 24/7 access to your own dedicated online account
  • Save time and view your policy details, insurance certificate and policy docs online instantly

 

Annual Price £135.51
Monthly Price Deposit £11.31

11 x £12.84

Total:

£152.55

 

Buildings Cover Content Cover
Cover Amount £750,000 £35,000
Accidental Damage Included Not Included
Voluntary
Compulsory
Total Excess
£200

£100

£300

£200

£100

£300

 

Legal Assistance Added Annually £21.49
Home Emergency Cover Included
Replacement Locks and Keys Included
New For Old Included
Freezer Contents Cover Included
Alternative Accommodation Included

 

Policy Feature Explain

·         Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances.

What’s included?

    • Up to £50,000 limit
    • Legal disputes for your insured home like boundary disputes or trespassing
    • Employment disputes
    • Contract disputes
    • Personal injury claims

What’s not included?

    • Property protection
    • Supplying a legal defence
    • Clinical negligence

You’ve added this. Annually £21.49 or monthly (12 x £1.79 excluding interest).

·         Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety.

What’s included?

    • £1,000 limit
    • £0 excess applies
    • Cover for your boiler and its controls
    • Cover for a full electrical failure
    • Cover for blocked toilets
    • Cover for making the property secure after a theft or attempted theft
    • Cover for isolating/repair or replacement of leaking pipework causing damage to your home
    • Cover for boiler breakdowns in summer months
    • Removal or treatment of vermin and infestations

What’s not included?

    • Cover for a partial failure of heating e.g no hot water
    • Cover for oil fired boilers
    • Cover for boilers which have not been annually serviced
    • Roof damage caused by a storm

·         Replacement Locks & Keys

Covers repair or replacement of your house keys and locks should they be lost, stolen or damaged.

What’s included?

    • £500 limit
    • Policy excess applies
    • Loss or theft of keys to external doors of your home

What’s not included?

    • Replacement of other keys on the fob e.g car key following a loss or theft
    • Cover for internal door locks and keys

·         Alternative Accommodation

Covers you for alternative accommodation should your home be made uninhabitable due to an insured event.

What’s included?

    • Up to 20% of sum insured up to a £15,000 limit
    • Temporary accommodation should your home be made uninhabitable by an insured event

What’s not included?

    • Cover for accommodation/kennels for pets

These are included as standard

·         New for Old

Replace items based on current market value opposed to original value at purchase.

What’s included?

    • Replace items at their current market value

Policy fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Adjustment fee: £20.00
  • Duplicate document fee: £0.00
  • Payment default fee: £20.00
  • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £35.00

Pros:

  • Personal injury claims are included in this policy.
  • Temporary accommodation is included in this policy plan.
  • Cover for a full electrical failure is cover in this home insurance policy.

Cons:

  • Legal Assistance take extra charges

 

Conclusion:

 

When we compare all Home insurance over 50 comparison of top 12 companies. We excluded many companies from our top 5 list because their cover is limited or targeted to specific sections of the population. When we compare all insurance companies detail for Home insurance over 50 comparison now we conclude that Ensure home insurance company rate is very low for this type of insurance.Gold Sheilas Wheels, and Legal and General Home Insurance, both home insurance companies give you all features like “legal assistance and Home Emergency Cover” are included in plans in flexible rate. We talk about Ensure Home insurance company, its rating is very good in popular review sites like Defaqtoand Trustpilot. Gold Sheilas Wheels Home Insurance policy don’t take any additional charges like adjustment fee, Duplicate document fee and Payment default fee. When we research all the Home insurance over 50,we concluded that Ensure Home Insurance company plan is the best home insurance plan in all these plan. As you know it’s monthly price is lower than all other but they fill up all your demands and conditions. But please note one thing this is our personal review on this. Although we seek to ensure that the information provided on this policy is accurate, we cannot accept any liability for any errors or omissions, including where features of the policy have changed since we last reviewed them.

 

 

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