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Insure4Retirement home insurance review

Read Which?'s expert review of Insure4Retirement's home insurance policies, find out how we rate Insure4Retirement's contents and buildings insurance and how it compares to dozens of other home insurance companies.

In this article
Insure4Retirement home insurance overview What does Insure4Retirement home insurance cover? How Which? rates Insure4Retirement's home insurance Insure4Retirement's home insurance policy: is it good or bad? How did customers rate Insure4Retirement's home insurance?
Does Insure4Retirement offer different levels of home insurance cover? How much does Insure4Retirement's home insurance cost?  What is Insure4Retirement's claims number? Who underwrites Insure4Retirement's home insurance? Get top money-saving tips from Which?

Insure4Retirement home insurance overview

Insure4Retirement is an over 50's home insurance specialist with UK based call centres. It belongs to Gallagher, one of the world's largest insurance brokers. 

Gallagher is a publicly owned company, traded on the London Stock Exchange. 

What does Insure4Retirement home insurance cover?

The information below gives an at-glance view of the key things that the Insure4Retirement's home insurance covers as standard.

Elements marked with a are covered as standard and those marked with a are not covered as standard. However, these can be added to a policy as optional extras for an additional cost.

 

 24 hour (emergency) helpline

 

Allows you to call a 24-hour helpline for assistance in the case of a home emergency.

 

 Loss and theft of keys

 

Loss and theft of keys will cover the cost of replacing your keys if they are ever lost or stolen.

 

 Home emergency

 

Home emergency cover provides assistance of central heating, electrical emergencies, plumbing or draining issues.

 

 Accidental damage

 

Accidental damage protects against sudden and unconventional physical damage to the structure of your property as well as your furniture and belongings.

 

 Burst pipes

 

Covers the cost of repairing burst pipes in your property.

 

 Legal expenses

 

Legal expenses cover the cost of legal expenses should you need to pursue legal action against another party.

 

 Personal possessions

 

Personal possessions cover protects your portable belongings while you’re outside of your property.

 

 Garden cover

 

Garden cover protects against damage to items in your garden including plants and garden furniture.

How Which? rates Insure4Retirement's home insurance

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

We survey thousands of real home insurance customers to find out how they rate their insurer for customer satisfaction.

We also analyse and rate 60 different elements of contents and buildings insurance to create policy scores, helping you judge the quality of your cover - and how an insurer compares to its peers.

We combine this into an overall score to highlight the insurers that offer great cover and service.

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Home And Mobile Insurance
Insure4Retirement
Overall Which? score
%
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.
Which? Customer Score
%
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Buildings policy score
%
Which?'s rating of the quality this company's buildings insurance policy. We analysed 32 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality this company's contents insurance policy. We analysed 46 features of its cover to calculate the policy score.
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Insure4Retirement's home insurance policy: is it good or bad?

In February 2019, we analysed and rated 60 of the most important elements of standard home insurance policies to come up with the overall policy score.

We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score. Each element is given a star rating, out of five.

Overall, a staggering 54 out of the 60 elements policy elements we analysed in Insure4Retirement's home insurance earned a 3-star rating or higher.

Of these, 27 policy elements were given a full 5-star rating and 24 were given 3 stars, which indicates an above-average level of cover.  

Best parts of Insure4Retirement's home insurance

We’ve identified three standout features in Insure4Retirement’s home insurance policy:

  • Unlimited switching fee, which we awarded a full 5 stars
  • Money in the home covered as standard, which earned 5 stars
  • Up to £10,000 for items stolen from outbuildings (such as sheds) which we gave 5 stars

Worst parts of Insure4Retirement's home insurance

We've identified three features in Insure4Retirement's home insurance which scored poorly:

  • No claims discount protection is not offered, which we gave 0 stars
  • Adjustment fee of £25, which scored 1 out of a possible 5 stars
  • Up to £2,000 for a single item insured on the policy, which earned 2 stars

In detail: every part of Insure4Retirement's policy rated

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Table last updated in February 2019. Next updated in February 2020.

Policy elements Details Rating Area covered
Interest charged on payment by installments (APR) Logged out detail Logged out padlock Buildings and contents
Renewal fee (£) Logged out detail Logged out padlock Buildings and contents
Home emergency cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Home emergency cover (£) Logged out detail Logged out padlock Buildings and contents
Owner's / Occupier's liability (£) Logged out detail Logged out padlock Buildings and contents
Accidental damage cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Subsidence - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Alternative accommodation (£) Logged out detail Logged out padlock Buildings only
Burst pipes - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Blockage of sewer pipe - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Single item limit for valuables - max limit (£) Logged out detail Logged out padlock Contents only
Contents in the open - within home boundary i.e. garden (£) Logged out detail Logged out padlock Contents only
Contents in outbuildings - including garages (£) Logged out detail Logged out padlock Contents only
Theft from outbuildings (£) Logged out detail Logged out padlock Contents only
Personal Possessions - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Personal Possessions limit within a car (£) Logged out detail Logged out padlock Contents only
Bicycles - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Mobile phones (away from home) - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Does mobile phone cover include calls? Logged out detail Logged out padlock Contents only

To see how Insure4Retirement's home insurance compares to other policies check out our guide on the best and worst home insurance.

How did customers rate Insure4Retirement's home insurance?

As well as looking at how Insure4Retirment's home insurance policy stacks up against others, we've also analysed how customers feel about it too.

Which?'s rating for customer satisfaction is based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.

Overall, Insure4Retirement's home insurance scored 70% for customer satisfaction, placing it 16th out of the 34 home insurers we looked at.

Customers scored Insure4Retirement's 'clarity of policy' and 'value for money' the highest, giving both elements four stars out of five. 

The table below shows how Insure4Retirement's home insurance scored for eight elements of customer satisfaction.

Customer satisfaction element Which? Customer rating
Application process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Transparency of charges/penalties Logged out padlock
Dealing with complaints Logged out padlock
Experience of making a claim Logged out padlock
Value for money Logged out padlock

Does Insure4Retirement offer different levels of home insurance cover?

The scores shown in this review relate to Insure4Retirement's standard home insurance policy.

It is possible to increase your level of cover by adding optional extras to your policy, for example, home emergency cover or garden cover. 

Choosing to add these features on to your policy will come at an added cost, making your policy more expensive than a standard one.

How much does Insure4Retirement's home insurance cost? 

Your contents insurance and buildings insurance will be priced based on your own personal circumstances, where you live and the type of property and contents you own.

Insure4Retirement allows you to gather quotes on its own website at www.insure4retirement.co.uk/home-insurance.

But you can also compare the Insure4Retirement's home insurance on the following price comparison sites:

  • Comparethemarket.com
  • Confused.com
  • Gocompare.com

Check out our guide for more information on how add-ons, fees and charges affect the price of your home insurance.

What is Insure4Retirement's claims number?

If you need to make a claim with Insure4Retirement home insurance call 0800 5610 144.

It's important to note that your home insurance claim will be handled by the company that underwrites your home insurance policy rather than Isnure4Retirement directly. 

The acid test of any home insurance provider is how it handles your claim. In January 2019, Which? surveyed 1,456 members of the general public about their experiences using a major home insurance provider.

Due to lack of sample size we were unable to generate a score of Insure4Retirement's claims process but you can see how other insurers were rated in our Making a home insurance claim guide. 

Who underwrites Insure4Retirement's home insurance?

Insure4Retirement's home insurance policies are underwritten by serval insurers including Prestige, Midas, Pen Affinity, Ageas, Integra, AXA, Uris and Covea.

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