Policy details

Full details on your Asda Home Insurance policy

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Home Insurance FAQs

How do I get an ASDA Home Insurance quote?

Just call free phone 0800 181 4903† or click here to get a quote online.

If you need to make a claim call: 0845 602 0229

Lines open 24 hours a day, 7 days a week. Calls may be recorded and monitored.

For customer services call: 0845 605 0145

Lines open 8am to 10pm Monday to Friday, 8am to 6pm Saturday & 10am to 4pm Sunday. Calls may be recorded and monitored.

If you need help with your quotation call: 0800 181 4903†

 

What's the difference between my buildings and my contents?

To put it really simply, if you were to turn your home upside down, everything that fell out would be your contents, and those that remain your buildings. For further information relating to the items covered under ASDA Financial Services Home Insurance building/contents cover please refer to our policy wording.

How much should I insure my home for?

Contents: You need to think about everything you have within your home and how much it would cost to replace each item new today. You may be surprised at just how much your contents are worth. Buildings: You need to work out the cost of rebuilding your home. When doing this, you have to consider such things as demolition costs, architect's fees and surveyor's fees as well as the actual rebuilding. N.B If there's a mortgage on the property, you should always confirm with your mortgage lender that the property is insured for the correct amount.

What does New for Old mean?

New for Old means that ASDA Financial Services will replace the item you're claiming for with a brand new one of the same make & specification. This applies to all contents claims apart from when you're claiming for clothing or household linen where we make a deduction for wear and tear.

What is a valuable?

ASDA Financial Services considers valuables to be - jewellery (including costume jewellery), articles of or containing gold, silver or other precious metals, cameras (which include video cameras and camcorders), binoculars, watches, furs, paintings and other works of art, collections of stamps, coins and medals.

Valuables are included in ASDA Financial Services standard cover up to a value that is one third of the sum insured. The single article limit for valuables is £2,500; any single item over this value needs to be specified.

Do you cover accidental damage?

ASDA Financial Services Home Insurance will automatically provide a basic level of accidental cover for both your buildings and contents insurance. You can, however, choose to increase this to a wider level of cover.

Buildings Insurance: Already covers accidental damage to underground pipes and cables, fixed glass, and sanitary fixtures and fittings i.e. baths, shower trays, sinks etc. This can be increased by taking out our extra accidental damage option which will cover you for accidental damage to the rest of your buildings - for example, putting your foot through the ceiling or hitting a nail into a water pipe.

Contents Insurance: Already covers you for accidental damage to your radios, television sets (including digital set top boxes and satellite receivers) and computers, recording and audio equipment, mirrors and fixed glass.

You can increase this cover by taking out ASDA Financial Services Home Insurance extra accidental damage cover - this covers all contents and soft furnishings against accidental damage - for example, if you spill a glass of red wine across your carpet you'll be covered.

Why do I need legal cover on home insurance?

Legal cover is not compulsory on home insurance, but ASDA Financial Services Home Insurance do recommend that you have it. ASDA Financial Services Home Insurance can give you £50,000 worth of legal assistance for personal injury cover and consumer disputes. So for example, if you walked past a building site and were hit by a brick, we could pursue a claim on your behalf against the building company for personal injury.

Do I pay an excess if I make a claim?

Yes, please refer to your Policy Schedule.

Are my credit cards covered?

Yes, if you take out ASDA Financial Services Home Insurance's personal belongings cover we'll cover you for up to £1,000 of fraudulent use against your credit cards. We'll also cover you for up to £500 worth of personal money away from home under our personal belongings cover.

If I need to, can I make a claim at 2am in the morning?

Yes, ASDA Financial Services Home Insurance offer help and advice 24 hours a day, 365 days of the year. If you need to make a claim under your home insurance with ASDA Financial Services Home Insurance, please ring 0845 602 0229. Calls may be recorded and monitored. Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vay. Please check with your network operator.

What is business use?

ASDA Financial Services class business use as a property being used for some type of business purpose i.e. childminding from home. If you're unsure of the use of your property, please contact ASDA Financial Services on 0845 301 2172 for further advice. Calls may be recorded and monitored. Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vay. Please check with your network operator.

Is it safe to use my credit/debit card on your site?

We know how important it is to protect your personal information from possible security risks so all of the information you put into our quote form is protected by encryption. Please refer to our 'Privacy and Security' section, this can be found on the menu bar at the top of the page.  

Can I get instant cover with ASDA Financial Services?

Yes, when your quote is accepted online or over the phone and you pay by credit/debit card.

Can I pay monthly with ASDA Financial Services?

Yes you can if you are aged 18 or over. ASDA Financial Services Home Insurance usual terms and conditions apply. Please note that there is an APR of 28.6% for choosing this option.

What do I do if I want to cancel the policy after I have paid?

Once ASDA Financial Services have received your payment, we’ll send out your policy in the post within three to five working days. You have the right to cancel the policy within 14 days of receiving your policy document. If the insurance cover had not commenced you’ll be entitled to a full refund of the premium paid. If the insurance cover has already commenced, a pro-rata refund will be made to you, less an administration charge of £20, provided there has not been a total loss claim.

After the expiry of the statutory cooling off period, your policy will continue as a contract for twelve months. If your insurance is cancelled for any reason after the first 14 days, a pro-rata refund will be made to you, less an administration charge of £50. There will be no return of premium if a claim has been made during the current year of insurance. If you pay by instalments, please refer to your credit agreement.   

Do you make any charge for requesting duplicate documents?

Yes, £20 for each duplicate document which you request, such as a policy schedule.

Do you charge for making amendments to my policy?

Yes, £25 (subject to insurance premium tax where applicable) for any mid-term change made to the policy. This charge is in addition to any change in premium that may occur as a result of a change that is made on the policy. If no change of premium no charge is made.

How has the price point been calculated?

The price point of £192 is calculated as follows: 1 in 3 customers paid this price or less for their buildings and contents insurance between January and May 2010. The price calculated may include up to 10% discount for online sales. The actual price you will pay is based on your individual circumstances.

How do I know if the rebuild cost of my property is correct?

We cannot tell you what the rebuild cost of your property is but you can get an estimate at http://abi.bcis.co.uk Alternatively, you could ask a qualified surveyor to estimate the rebuild cost for you. Please note that Asda does not accept any liability for third party websites.

Am I able to work/run a business from home?

Yes, under certain circumstances. Please call us on 0845 605 0145 to discuss this.

Lines open 8am to 10pm Monday to Friday, 8am to 6pm Saturday & 10am to 4pm Sunday. Calls may be recorded and monitored. Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vary. Please check with your network operator.

Am I able to let the property out?

We are able to offer policies for landlords. Please call us on 0845 605 0145 to discuss this.

Lines open 8am to 10pm Monday to Friday, 8am to 6pm Saturday & 10am to 4pm Sunday. Calls may be recorded and monitored. Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vary. Please check with your network operator.

Is my property standard construction?

‘Standard construction’ means that the walls of your property are made of brick or stone and the roof of slate or tiles. If your property is comprised of any other materials please call us on 0800 181 4093 as we may still be able to offer you a quote.

Are pedal cycles covered on my policy?

Pedal cycles are covered within your property as standard provided they are valued at £500 or less. They are covered elsewhere if you add cover for personal possessions away from home as well. If your pedal cycle is valued at more than £500, you will need to specify them in the ‘Your Cover’ section of the website.

Where can I check my premium total?

This can be found on the first page of your policy documents.

How do I find out what level of cover I have?

Your level of cover will depend upon the options you selected when purchasing your policy. Our full policy wording can be downloaded here. 

How do I increase the sum insured?

You can increase the sum insured at any time during the policy year by contacting us on 0845 605 0145.

Lines open 8am to 10pm Monday to Friday, 8am to 6pm Saturday & 10am to 4pm Sunday. Calls may be recorded and monitored. Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vary. Please check with your network operator.

Am I covered for items away from home?

This is dependent upon the options you selected when purchasing your policy. Please refer to your Schedule of Insurance and your policy booklet for more information.

How much notice do I need to give if I am going to change my address?

Please advise us as soon as you know the date that you will be moving so that we can update your policy details.

What is covered under the home emergency section?

Home Emergency cover is underwritten by DAS Legal Services and provides up to £500 towards costs associated with a ‘home emergency’ i.e. the sudden breakdown of the main heating system, or the blockage or breakage of pipes and drainage system. The sum insured will pay up to £500 towards the call out charge and up to 2 hours labour costs and includes £100 towards part costs (including VAT). No cover will apply within the first 48 hours of the start date or if the home is left unoccupied for more than 30 days.

Do I need to contact you to arrange renewal of my policy?

Full details of your renewal will be sent to you 21 days before the end of your policy. If you would like to discuss your renewal, please call us on: 0845 602 0357.

Lines open 8am to 10pm Monday to Friday, 8am to 6pm Saturday & 10am to 4pm Sunday. Calls may be recorded and monitored. Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vary. Please check with your network operator.

If you pay your insurance monthly, have not experienced any problems with your Direct Debit, and your personal circumstances remain the same, you do not need to do anything as your policy will automatically renew.

If you pay your insurance annually, you will need to tell us that you want the policy to continue. If you do not contact us, we will assume that you do not want the policy so it will not renew.

 

How do I make a new claim?

Please call our dedicated claims team on 0845 602 0229. Lines are open 24 hours a day, 7 days a week. Calls may be recorded and monitored. Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vary. Please check with your network operator.

How can I find out what is happening with my claim?

Please call our dedicated claims team on 0845 602 0229. Lines are open 24 hours a day, 7 days a week. Calls may be recorded and monitored. Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vary. Please check with your network operator.

Is business equipment covered on the policy?

Yes, provided it is only used for clerical work. If you need to make a claim, we will pay up to £5000 for business equipment. The most we will pay for any one item is £2000. Please see your policy wording for full terms and conditions.

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Other questions people ask!

Where can I take out pet insurance?

You can either visit us online or call us on 0800 181 4904.

Do you have a contact number for Asda Online Exclusive?

Asda Online Exclusive is an internet-based product so please email any questions to: enquiries@asdaonlineexclusive.co.uk. To make changes to your policy, please visit www.asdaonlineexclusive.co.uk.

To report a claim, including windscreen claims, please call us on: 0844 579 6491.

For breakdown claims on policies bought before 09/02/2010, please call: 0844 579 6491.

For breakdown claims on policies bought on or after 09/02/2010, please call: 0844 338 6066.

If you are experiencing technical difficulties with the website and need assistance please contact us on 0844 579 6490 (lines are open Monday to Friday, 9am to 5pm), calls cost 5p per minute from a BT landline, other networks may vary. Please note our calls are recorded for training or monitoring purposes.

Where can I find the number for my local store?

Contact details for all Asda stores can be found at www.asda.com.

How can I contact Asda Financial Services?

If you would like to get a quote for an Asda insurance policy, please call us on 0800 181 49023. Alternatively, you can find more information on our range of financial services at www.asdafinance.com.

How can I contact someone about my Asda Credit Card?

You can either visit us online or call us on 0871 522 5888.

How can I report an electrical fault on an item I have purchased?

If the product was purchased online, please call Asda Direct on 0844 824 3000. If the product was purchased in one of our stores, please call our service team on 0844 481 5000.

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