Home insurance (SmartQuote) quote and buy FAQs
We only need to know the type of claims made and the approximate dates, we no longer need to know the settlement values of any claims.
Please note this is only available with Home Gold and Platinum and not with our Landlord insurance product.
You’ll still be able to use our GI for Intermediaries Portal as a back-up option and to access our Landlord insurance product, which isn’t currently available via our integrations.
Yes, we can change a start date on a policy but only if these conditions are met:
- No changes have been made to the policy
- The policy hasn't started
- A change of start date hasn't already been completed
Unfortunately, we can't change the start date on a submitted policy, once its on or past the effective date (e.g. for a policy submitted on 1 January with a start date of 10 January, it won't be possible to change the start date after the end of business hours on 9 January).
Where we can't change the start date, we'll need to arrange for the original policy to be cancelled and a replacement policy to be submitted. Should the premium have increased on the new quote, please let us know and we'll arrange for it to be matched, subject to the cover and policy details remaining the same and the original quote, still being within our quote validity period of 180 days.
We continue to expand our Underwriting footprint but recognise that there’ll be some occasions when we’re unable to provide a quote via SmartQuote. Where it’s not clear why we’re unable to quote, contact our Partnership Sales Team by email: GIIFAsupport@lv.co.uk
Home insurance FAQs
Yes, we offer cover between exchange and completion for up to 90 days, on both our Home Gold and Platinum insurance products. Advisers will need to activate policies from the mortgage completion date and cover for buildings insurance will be provided from the date of exchange of contracts.
Please note that cover between exchange and completion won’t be available on our Landlord insurance product.
Yes, Home emergency cover will provide assistance with the removal of pests such as bees, wasps, hornets, rats, mice, squirrels from your clients home.
Your clients will be covered provided they've followed the approved repairer’s recommendations on preventing and controlling pests, if the problem has re-occurred following the initial call out.
Home emergency will cover the main hot water or central heating system in the home, providing the client has legal responsibility for any issues.
However, there are some circumstances that wouldn’t be covered such as:
- warm air, solar or under-floor systems
- boilers that haven’t been serviced within the last three years
- the cost of replacing water storage tanks, cylinder tanks, outside overflows, showers (including mixer valves and shower pumps), radiators, storage or panel heaters
- breakdown, loss or damage to domestic appliances or underground water supply pipes
- any fault that doesn’t result in a failure of the main heating system, such as noisy pipe work or where a timer has failed, but where hot water and heating are still available
- repair of a boiler that is beyond economical repair. We’ll pay up to £500 towards the cost of replacing boiler, providing the current boiler has been serviced within the last three years.
Please check the Home emergency terms and conditions (PDF, 144KB) for further details.
A collective cover total between £30,001 and £50,000 will only return a quote for our Platinum product.
Important: Please ensure that the overall contents sum insured is adequate to cover all possessions, both within and away from the home (including the specified items).
Both Home Gold and Platinum cover high risk items in the home up to £30,000 in total, with a £10,000 limit for each single item, pair or set.
This is included in the total contents sum insured that your client has selected.
Landlord insurance FAQs
Yes, our Landlord insurance product offers Legal Expenses cover; but don't offer a Rent Guarantee option. Legal Expenses cover will be managed independently on our behalf by Arc Legal Assistance (Arc).
GI Intermediaries Portal FAQs
No, they can’t, sorry. We recognise how valuable admin access would be to many firms and will explore what’s possible, so please continue to watch this space for further developments.
If you’re an administrator and need to activate an urgent case whilst the original adviser who quoted the policy is unavailable, please contact our Partnership Sales Team on 0370 900 8829 between 9am and 5pm, Monday to Friday. Calls will be recorded.
Although they may still work in some instances, Microsoft Internet Explorer and Microsoft Edge (non-Chromium) are not officially supported.
For further information and to view which browsers are supported for tablets and smartphones view Supported Browsers and Devices for Lightning Experience.
You can contact our Agency Management Team on 0330 678 5177 between 9am and 3pm Monday to Friday or email email@example.com
If you’re able to access the portal but would like assistance navigating the system, please contact our Partnership Sales Team on 0370 900 8829 between 9am and 5pm or email GIIFAsupport@lv.co.uk
Calls will be recorded.
Payment and charges FAQs
Commission becomes eligible to be paid 15 days after the policy inception date, amendment date or renewal date and will then appear on your next commission statement. Commission statements can be either a weekly or monthly frequency.
Advisers who are part of networks should check with your network for details of commission payment dates as they may differ from the information we’ve provided.
Setting up a GI agency FAQs
Simply contact our Agency Management Team on 0330 678 5177 between 9am and 3pm Monday to Friday or email firstname.lastname@example.org with your request and they’ll be able to guide you through the process and confirm what commission terms will apply moving forwards. Calls will be recorded.
We don’t support new agency requests being submitted via Origo.
For information on how to set up an agency with us, whether you’re a member of a network or Directly Authorised, you can find out more on our dedicated page.
Advisers will be able to generate a Personal Illustration, Insurance Product Information Document (IPID), Mortgage Interest at Quotation Letter, Application Details document and Application Approved Letter.
Advisers/Firms who wish to use our templates, can also create either a Demands & Needs Letter or Personal Recommendation Letter depending on sales process and what’s required. Please check with your internal compliance team first, as they may already have a template that they prefer you to use.
You can also access these documents along with other useful literature and sales aids on our literature page.
No, compliance documents can only be saved and/or printed during the quote and apply journey by advisers and can’t be retrieved post-sale. However, our Partnership Sales Team may be able to access compliance documents post sale. You can be contact the team on 0370 900 8829 between 9am and 5pm Monday to Friday or email GIIFAsupport@lv.co.uk Calls will be recorded.
Your clients will receive a pack containing:
- Cover letter
- Insurance Product Information Document
- Terms and Conditions
- Cover and Limits
- Optional Extras information if selected
- Claims information
- Payment information - this will be a Direct Debit mandate or payment schedule if applicable