Compare Quote Me Happy Home Insurance

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Guide to the Quote Me Happy Home Insurance

Quote Me Happy, founded in August 2011, is a part of the Aviva group. It provides home insurance, emphasizing online self-service and flexibility for its customers. Quote Me Happy initially offered car insurance and later expanded to include home insurance and life insurance. Other insurers like Quote Me Happy include Policy Expert, Elephant home Insurance and Post Office Home Insurance.

Quote Me Happy's policies include features such as unlimited cover for renting or securing alternative accommodation while your home is being repaired, monthly car insurance, cover for standard damage following events such as fire, storm, flooding, or water escape, and coverage for lost or stolen house keys. 

What Home insurance polices are available with the Quote Me Happy?

Similar to other providers of home insurance, Quote Me Happy Home Insurance offers three main categories of cover:

  • Buildings Only Insurance
  • Contents Only Insurance
  • Combined Insurance (Buildings and Contents)
Policy TypeBuildings maximum sum insuredContents maximum sum insuredAdditional accidental damage
Essential£600,000Up to £60,000optional
Essential PlusUp to £1,000,000Up to £75,000unlimited
PremierUp to £1,000,000Up to £100,000unlimited

What types of home insurance cover does the Quote Me Happy offer?

Quote Me Happy offers three levels of home insurance coverage, including:

1. Essentials

It provides cover for building insurance and contents against various risks, such as fire, storm, theft, water leakage, freezing, and floods.  Additional optional covers include insurance for belongings outside your residence, accidental damage, home emergencies, and legal disputes.

2. Essentials Plus

This coverage offers a more comprehensive cover for buildings and contents insurance. It also includes unlimited cover for alternative accommodation, coverage for matching sets, and other enhanced benefits.

3. Premier

Offers the highest level of cover, including all the benefits of Essentials Plus, with additional perks.

What is included in a Quote Me Happy Home Insurance Policy?

Quote Me Happy offers customizable home insurance policies tailored to your needs. Refer to the Policy booklet for details on coverage options, claims process, and policy adjustments. Review the terms and conditions in the provided PDF document before choosing coverage.

Did you know? Standard home insurance may not provide cover if you leave your home 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 surprise 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 Quote Me Happy insurance?

Quote Me Happy Home Insurance is underwritten by Ageas Insurance Limited. DAS Legal Expenses Insurance Company Limited, which specialises in legal expense coverage, provides legal protection.

  • Ageas Insurance Limited manages underwriting and customer claims.
  • Premium Credit Ltd (PCL) facilitates monthly payments via direct debit. DAS Legal Expenses Insurance Company Limited offers enhanced covers like Home Emergency (HE) and Family Legal Protection (FLP), along with a legal helpline service.

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

Factors like location and property security influence Quote Me Happy Home Insurance premiums. Consider these tips to lower costs:

  •  Location: Choose areas with lower crime rates to reduce premiums
  • Make your home secure: Install safety measures like smoke alarms and deadlocks to minimize risks and lower insurance expenses.
  • Claims Frequency: Avoid frequent claims to prevent premium increases.
  • Pay Annually: Opt for annual payments to avoid extra fees associated with monthly payments.
  • Skip small claims:  Pay for minor damages out of pocket to maintain no claims discounts.
  • Voluntary Excess: Accepting a higher excess can lower premiums but ensure you're financially prepared in the event of a claim.

Compare Landlord Insurance and Home Insurance providers

To get the best deal on home or Landlord insurance, Compare Providers: Compare deals from Total Landlord Insurance, Aro, John Lewis Landlord Insurance, Simply Business, and ARO Landlord Insurance Services for the best rates on home or landlord insurance.

How do I get in touch with the Quote Me Happy Insurance Services?

Quote Me Happy Insurance Contact Details

Phone : 0345 030 6944 - 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.

Home Insurance FAQs

Does Home Insurance Get Cheaper as you get older? 

In general, most insurance products get cheaper as you age. In the case of home insurance for over 80s for example, the risk to the insurance provider is reduced. This is based on empirical evidence in terms of the number and size of claims made by senior age groups. Thoes of us that fall into these categories are more likely to be retired and spend more time at home and be more security conscious. All these factors help to reduce the risk of burglary and claims. So expect your home insurance premiums  to reduce as you reach the following milestones of life over 50, over 60's, over 70 or over 80's and beyond. 

One exception to this rule can be over 80's motorhome insurance and car insurance for over 80s as ageing in these cases can increase the risk to the insurance provider. As we age are reaction times reduce and many of us will also suffer from failing eyesight, these and other factors increase the likelihood of a claim which will may be reflected in higher car insurance premiums. 

Is unoccupied Property Insurance available with Quote Me Happy

If your property will be left empty for an extended period of time, you will need specialist empty house insurance, to cover the additional risk associated with empty properties. All standard home insurance polices will become void if left empty, the period can be as little as 30 consecutive days with some providers. Planning a long holiday or extensive renovation, check the terms of your house insurance policy if the property is left unoccupied.

Find home insurance cover that’s right for you

While standard home insurance work for most people, there are also specialised home insurance policies that might be more suited to your needs.

*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.

MultiQuoteTime Ltd Does not recommend any insurance companies. Services offered by this provider may change over time. Always check Ts&Cs.

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