18/08/2025
Does your home insurance actually cover you?
There's a big problem in the insurance market at the moment. Policyholders are being misled when purchasing insurance packages, with a fundamental lack of clarity over what their policy covers.
The online providers that dominate the market and compete for low prices are prioritising profits over providing adequate protection.
Those aspects that once formed part of standard coverage are being overwritten or eliminated, and it isn't signposted until the time comes to make a claim - when the answer is, ultimately, "No".
The result: Thousands of homeowners don't realise they're actually underinsured, and no one on the other side is going to wave the flag to notify them.
Thousands of homeowners have a policy in place that won't cover what they need it to if they ever have to make a claim.
Thousands of homeowners will find they're made to jump through hoops, face lengthy delays, and ultimately have to pay for repairs from their own pocket because the claims process is rigged in favour of the insurers.
So, as a homeowner, what are you paying for?
The solution: Consumer rights champion Which? is holding insurance providers to account, demanding a higher quality of service and greater clarity in the sales process, so policyholders know exactly what they're signing up for.
Show your support, sign the petition, and find out more here: