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Is 'Uinsure Insurance' Good?
What's Unisure Insurance like in 2024? Competitive UK Insurer Intermediary ticks 7 boxes in 'Uinsure Reviews'. (PROS) 1: Digital Technology 2: Reliable Reputable 3: Claims Administration 4: Personal & Business Plans 5: Defaqto Rated 6: Rider Benefits 7: Broker Only Deals. (CONS) Not on Comparison Websites?
- Flexible Range of General Insurance products
- Insurance through a panel of leading underwriters
- U insure acts as an Insurance intermediary
- 'U insure' Broker only deals
Background - U insure Insurance
Founded independantly in 2007 & funded via private equity company Perwyn, U insure head office is based in Manchester. They have quickly established themselves as one of the markets leading General Insurance (GI) providers for brokers.
Uinsure are proud to state that they were the first GI provider that offered a panel of insurers sharing a true common policy wording. They had brand refresh in 2021.
Uinsure say they're different from price comparison sites because their panel of leading UK insurers each compete to offer you the lowest price on an identical policy. So it’s easy to pick the right one for you...
U insure Intermediaries
'U insure' are an Insurance intermediary. They are now firmly positioned as one of the UK’s biggest independent supplier of general insurance products to the intermediary & broker sector via U insure for intermediaries.
They specialise in 4 main areas, Home & BTL Landlords Insurance, Non Standard & Commercial Insurance. Note that Covid 19 may affect availability of certain products or services.
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U insure work alongside various selected leading UK General Insurance underwritten insurance providers. This panel of leading UK insurers including Zurich, LV=Broker, Covea, RSA, Ageas, UK General and AXA. They act as the administrator for their insurance policies on behalf of separate underwriters, known as 'white-labelling'.
U Insure Reviews 2024
*What's MSE Martin Lewis Uinsure Insurance Review?
In terms of the range of Uinsure Insurance products, Money Saving Expert MSE are fully impartial in all their best home insurance buy reviews. As you maybe aware neither Martin nor MSE never endorse products.
Yes, they mention individual products & services on MSE site, but they make it very clear don't 'support' them.
What does Martin Lewis say about Uinsure?
Money Saving Expert Martin Lewis hasn't specifically commented on any particular Uinsure policies & how it stacks up against the competition. But U insure Insurance plans are a discussed MSE forum topic.
Instead the MoneySavingExpert however comments that he does '100% recommend Contents Insurance'. He says everyone should consider this, as it protects you against loss or damage to your personal belongings. MSE says YES it's a cheap financial lifeline but the ultimate monthly costs choice is always yours.
What buildings insurance cover you need will MSE advises, will all be dependant on your own particular circumstances.
For example, he says if you're renting or own a property that's leasehold, you usually won't need buildings insurance to cover the structure of your home. This should be the responsibility of the landlord or freeholder - But he says do check.
For Combined buildings and contents they say this is a common choice if you own your home's freehold, as it's usually cheaper. He points it can also make claims easier, as there is only one Insurer to deal with.
His Home Insurance top tips include...
- Pay Annually For The Cheapest Policies: (monthly payments for your insurance - are essentially a high-interest loan)
- Better Security = Better Deals: (Better locks > More secure your home > Less you pay for insurance)
- Add-Ons: (Check what restrictions apply - unless you have extended the cover or selected optional extra 'add-ons')
- Working from Home: (If you have regular visitors or hold stock - those won't be covered on standard home cover)
- Unoccupied Property: (If your home is unoccupied for more than 30 days - check heating, gas & electric plan restrictions)
- Excess & Premiums: (When you set your excess, think carefully on cost effects upon a claim)
Martin Lewis also suggests being the Money Expert - that you "NEVER BLINDLY BUY DIRECT" expensive policy offers either via your Bank or One Insurer ie; Shop around or use a Broker.
Lastly, MoneySavingExpert also said generally remember, not all insurers plans are featured on insurance comparison sites. As brokers, we would also agree here - so let us help you shop around for your best broker deals.
In our 'Uinsure reviews' below, we will look at some broker only plans, key features and FAQ...
Uinsure Home Insurance
Uinsure Home Insurance is designed to protect both your home & contents. Available with 'new for old' replacement as standard. Also alternative accommodation if you cannot stay in your home.
Key Features
- Comprehensive range of features and benefits for home and/or contents
- £1 million Buildings cover as standard (Option to increase for an additional cost)
- £75,000 Contents cover as standard (Option to increase upto £100,000 for an additional cost)
- Optional extras include: Home Emergency, Accidental damage, Legal Expenses & Personal Possessions
- Cover for Garages & Outbuildings
Uinsure Review | Summary
Uinsure Home Insurance reviews shows it is a defacto 5 star rated product in the house insurance market. Its has flexible features and benefits which allow you to tailor the plan to meet your own needs.
Uinsure Non Standard Home Insurance
Designed to protect Non-Standard Homes or those considered higher risk for covering their personal or business insurance.
- Non-Standard Construction
- Unoccupancy & Second or Holiday Homes
- Listed Buildings
- Where Building Works are Taking Place
- Previous Subsidence & Flooding
- Business Use & Flooding
- Adverse Claims History
- Unspent Criminal Convictions
- Previous Cancelled or Declined Insurance
Uinsure Review | Summary
This U insure non-standard specialist policy shows it is a Defacto 5 star rated product
Uinsure Landlords BTL Insurance
Uinsure Landlord insurance is designed to protect both your BTL property & contents. Note: Their Contents cover is available separately without the need for Buildings cover for properties where the buildings are insured as part of a managed service agreement. Also alternative accommodation for tenants if they cannot stay in the house.
Private Landlords and Lettings Agents can also protect their rental income against a tenant failing to pay their rent.
Key Features
- Comprehensive range of features and benefits for home and/or contents
- £600k Buildings cover
- £15k Landords Contents cover
- Landlords Legal Protection & Rental Guarantee
- Malicious or accidental damage by tenants optional extra
- Landlords Emergency Cover optional extra
- £2m Landlords Legal Liability Cover
- Replacement Locks & Keys
- No cover for wear & tear
Uinsure Review | Summary
Uinsure review of their Landlords insurance shows it is a Defacto 5 star rated product in the Landlord Insurance market. Its flexible features and benefits allow you to tailor the plan to meet your own business life needs.
However, there is no cover where the property has been unoccupied for more than 30 days. There is also no specific insurance cover only for Tenants, only some benefits via the BTL Landlord's plan.
U Insure Review Insurance | Adviser Platform
'U INSURE' INSURANCE - Broker FAQ Broker
Can you make changes or review U insure insurance policy?
- reduce or perhaps extend the coverage
- remove any specific paid for policy features
- change the collection date of your usual premiums
- remove a person from a policy eg; if a couple split
The changes could be subject to underwriting based on your circumstances at the time & may well affect your premiums.
'Uinsure' Review | What happens at Renewal?
In summer 2020, Uinsure launched its new Rebroke at Renewal service. This searches and compares customer renewal premiums from their panel of leading UK insurers.
If say another buildings insurance provider is cheaper, they will offer their customers the opportunity to switch to that insurer’s new business price at renewal.
Since launching this service, U insure state they has been able to create annual premium savings for 24,000 renewing customers, totalling over £1.2m.
How do I cancel my U insure Insurance Policy?
You may cancel (or amend) your Uinsure Insurance plan at any time, if your circumstances change. Like all insurance, you do have the statutory right to change your mind within 30 days of your policy starting.
The Insurers will then refund any premiums taken and your insurance cover would then end.
However, if you should cancel at any other time, you won't get anything back because your policy has no 'cash in' values at anytime.
This also means if your circumstances have changed adversely afterwards & you then tried to request your Uinsure protection policy is put back onto cover again, this maybe declined.
Uinsure Claims and Importance of Disclosure
All General Insurers are in business to protect, insure & payout. Insurance cover is therefore based on your full disclosure at the time you took the original policy out ie; being 100% as honest & accurate as possible.
It is not always easy to remember all historic details when applying. The Consumer Insurance Act 2013 says you must not be acting careless, deliberate or reckless when applying.
Should you make a claim, your Insurers will send you a claim form for you to complete. Once received back, they will then assess if your insurance claim is valid and cross check if you originally disclosed all the correct details.
If you look at most Insurers recent claims payout, you will see that it is Good (but like most Insurers - not 100%).
Article on 'Uinsure Reviews' by Martyn Spencer Financial Adviser (2024)
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