Manage your home policy
Make a change, find documents, start a claim, or pay online.
Renewals: You’ll receive your renewal pack by email or post before your policy expires. When it arrives, you can pay online using the remittance advice. If you need changes before renewing, please contact us first.
Start a claim
Step-by-step guidance, emergency help and how to get started with your claim.
Pay / renew online
Use the remittance advice or invoice from your renewal pack.
Duplicate documents
Request a copy of your schedule or policy documents.
Upload your documents
Send photos or files securely so we can update your policy or progress a request.
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Change of address
Update where you live or correspondence address.
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Change of name
Tell us about a legal name change.
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Update your bank details
Change the bank details used for your Premium Instalment Plan.
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Forms & downloads
Certificates, claims forms and key documents.
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Value your contents
Use our calculator to work out what it would cost to replace everything you own at today’s prices.
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Read our guides
Articles and guides to help you understand insurance and how it works.
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How to notify us of a death
Bereavement Support Guide
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NFU Mutual Bonus
How loyalty Mutual Bonus rates work on NFU Home policies.
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Contact us
Need changes before renewing, or not sure what to do?
Planning building work at home?
If you’re planning changes to your home, it’s important to check that your cover still fits. Building work can affect what your policy covers while the work is going on.
The kind of work we’re often asked about
You might be planning things like:
- A new kitchen or bathroom
- A loft conversion
- An extension
- Other structural changes
Your insurer may need to know before the work starts.
We can help you understand:
- What counts as “building work” under your policy.
- When you must tell your insurer.
- How your cover might change while work is going on.
- What information the insurer may ask for (for example, contractor details).
- The insurance your builder or contractor may have , such as their own liability cover and how this affects your policy.
NFU Mutual home policies: If your policy is with NFU Mutual, please complete the Minor Works Questionnaire and send it to us before the work starts.
Other insurers: Contact us before building work begins.
Make sure your cover still adds up
Rising costs, home improvements and new belongings can all leave you underinsured. It’s worth checking your cover before it becomes a problem.
FAQ’s
Have a question about your insurance policy?
We may have the answer already. See answers to our most frequently asked questions below.
What immediate steps can I take for emergency roof repairs?
Hire a contractor to make emergency repairs to keep your property watertight. Then, send the invoice, photos of the damage, and a repair quote to your insurer.
Do I have to tell you about any improvements I am making to my property?
Yes, if you’re planning an extension, conversion, structural work, or major alterations, you must let us know in advance.
This helps ensure your insurer has full details and your cover remains valid if you need to make a claim. If you need help, visit https://www.islands.insure/contact-us/ to get in touch.
What should I do if my property is uninhabitable or I’ve lost a utility?
If your property can’t be lived in or you’ve lost a vital utility, find emergency accommodation. Then, contact your insurer’s claims team as soon as possible.
What if I need to claim for additional accommodation?
NFUM Policyholders
We have arranged emergency accommodation for any NFUM policyholder that is unable to stay in their home due to severe damage from Storm Goretti.
🇯🇪 If you reside in Jersey please contact or go to:
Premier Inn (Bath Steet) by visiting their website and checking availability: Jersey St Helier (Bath Street) Hotel | Premier Inn
Uplands Hotel (Morvan Hotels) – Call 01534 726 521.
🇬🇬 If you reside in Guernsey please contact or go to:
The Duke of Normandie – Call 01481 721 431
You will be required to provide your NFUM policy number and may be required to pay for the appropriate standard or family room rate. If you pay in advance, we will guarantee the payment for legitimate claims and subject to your policy wording, terms & conditions.
Please also bear in mind that you have emergency support available to you by calling 029 2055 8659.
All other insurers
If you have a policy with another insurer, please visit Home Claims | Islands Insurance
⚠️ So that we can prioritise those in acute need, we would ask that non-emergency claims are reported to us in the usual way via the website or by calling us on 01534 835 383 during office open hours.
Do I need multiple quotations for building damage?
It depends on the insurer:
- For NFU Mutual policies: only one quote is needed, along with photos of the damage.
- For other insurers: check your policy wording or contact them directly.
Is my mobile phone covered by my policy?
Yes, mobile phones and portable devices can be covered outside your home under the Personal Belongings section of your policy.
- Coverage is subject to a single item limit, which is listed in your policy wording.
- If your phone is worth more than this limit, you may need to specify it separately.
For details or to add a higher-value item, check your policy or if you need help, visit https://www.islands.insure/contact-us/ to get in touch.
Is my bicycle covered where I take it outside of my home?
Yes, your bicycle can be covered outside your home under the Personal Belongings section of your policy.
- Coverage is subject to a single item limit, which is listed in your policy wording.
- If your bicycle is worth more than this limit, you may need to list it separately.
For details or to add a higher-value item, check your policy or if you need help, visit https://www.islands.insure/contact-us/ to get in touch.
How much is my excess?
Your excess amount is listed in your policy schedule and may vary depending on the type of claim.
If you need help, visit https://www.islands.insure/contact-us/ to get in touch.
What is an excess?
An excess is the amount you must pay towards a claim before your insurer covers the rest.
It will either be:
- Deducted from your claim payout, or
- Collected by the appointed specialist or supplier on behalf of your insurer.
How do I add a specified Personal Belonging to my policy?
Each policy has a single item limit for personal belongings. If an item is worth more than this limit, it must be specified with an insurance valuation.
To add an item to your policy, you can visit https://www.islands.insure/contact-us/ to get in touch.