Compare Cornhill Direct Home Insurance

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Guide to the Cornhill Direct Home Insurance

Cornhill Direct is a trading name of Allianz Cornhill Insurance plc, which has a rich history of providing insGuide to Cornhill Direct Home Insurance. You can choose from standard cover options, including buildings and contents insurance and accidental coverage that covers losses within your home.

Cornhill Direct offers discounts for customers who sign up for both buildings and contents home insurance, as well as additional discounts for those with no prior claims within a specified period and who purchase home insurance online. Cornhill Direct is regulated by the Financial Conduct Authority and is committed to providing transparent and reliable insurance services. Cornhill Direct competes with other players in the insurance sector, such as John Lewis Landlord Insurance and Post Office Home Insurance, showcasing its presence and competitiveness in the market.

What Home insurance polices are available with the Cornhill Direct?

Like other providers of home insurance, Cornhill Direct Home Insurance offers three main categories of cover:

  • Buildings Only Insurance
  • Contents Only Insurance
  • Combined Insurance (Buildings and Content)
Policy TypeBuildings maximum sum insuredContent maximum sum insuredAdditional accidental damage
Standard Cover OptionReplacement cost is up to 100% of the home’s coverage limitCover for personal belongings like furniture and electronics, etc.Identity theft protection, personal injury protection
Standard Cover Option Plus accidental coverage optionReplacement cost is up to 100% of the home’s coverage limitStandard coverage includedUpgraded accident forgiveness, diminishing deductible
Personal possessions coverage

What types of home insurance cover does the Cornhill Direct offer?

The available policy types from Cornhill Direct Home Insurance include:

1. Standard Cover Option

This policy offers fundamental coverage for buildings and contents, protecting against a range of risks such as fire, storm, theft, water leakage, freezing, and floods.

2. Standard Cover Option Plus Accidental Coverage Option

This option includes protection against accidental losses within the home. This ensures that customers are covered for accidental damages to their belongings.

3. Personal Possessions Coverage

Cornhill Direct Home Insurance also offers a personal possessions coverage package, which includes coverage for items such as jewellery, cash, credit cards, and other similar valuables.

What is included in a Cornhill Direct Home Insurance Policy?

Each policy type can be customised to suit your specific needs. For detailed information on policies, claims, and policy adjustments, refer to the Policy booklet. It is essential to review the terms and conditions outlined in the PDF document before selecting any cover.

Did you know? Standard home insurance may not provide cover if a property left empty for 30 consecutive days!

Each provider of home insurance will have conditions attached to how long the property can be left empty and still be insured.  For many, it comes as a nasty shock when they realise this.  Check with your home insurance provider, as you may need to take out short term house insurance if your property will be left empty for a prolonged period of time.

Who underwrites Cornhill Direct insurance?

Cornhill Direct Home Insurance is underwritten by Liverpool Victoria Insurance Company Limited, which is a subsidiary of Allianz Insurance plc. The insurance products offered by Cornhill Direct, including home insurance, are designed to provide customers with the coverage and service needed for their homes.

How Home insurance is calculated and how to save money on the cost of cover

The cost of home insurance is determined by several factors, including location or postcode, security, etc. Here’s a breakdown;

  • Location or postcode: Areas with higher crime rates may result in higher premiums. Opt for safer neighbourhoods to potentially lower costs.
  • Home security: Enhance security measures like smoke alarms and deadlocks on windows/doors to reduce risks and lower premiums.
  • Claims frequency: Regular claims increase risk perception, leading to higher premiums.
  • Payment method: Paying annually can avoid additional processing fees typically charged for monthly payments.
  • Small claims: Opting out of small claims can prevent premium hikes or loss of future no-claims discounts.
  • Voluntary excess: Increasing the voluntary excess can lower premiums, though be prepared to cover the higher excess in the event of a claim.

Compare Landlord Insurance and Home Insurance providers

Are you looking to find the best home or landlord insurance? You can start by comparing providers like Total Landlord Insurance, Aro, Post Office Home Insurance, Simply Business, Elephant home Insurance and NIG Insurance Services.

How do I get in touch with the Cornhill Direct Insurance Services?

Cornhill Direct Insurance Contact Details

Phone : 0330 024 8076 - Available Monday to Friday from 8 am to 8 pm, Saturday from 9 am to 5 pm, and Sunday from 10 am to 4 pm.

*51% of consumers could save £201.06 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next
fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2024. The savings you could achieve are dependent on your individual circumstances.

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