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Insure4Retirement home insurance review

Read Which?'s expert review of Insure4Retirement's home insurance policy and find out how it compares to dozens of other home insurance companies.

In this article
Insure4Retirement home insurance overview Does Insure4Retirement offer the best home insurance? Insure4Retirement's home insurance policy: is it good or bad?
What is Insure4Retirement's claims number? Get top money-saving tips from Which?

Insure4Retirement home insurance overview

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

Its home insurance is underwritten by a panel of Ageas, AXA, Pen, Integra, Covèa, Midas and Prestige.

Does Insure4Retirement offer the best home insurance?

Here's how Insure4Retirement scored in our latest home insurance survey:

 

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 48 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 67 features of its cover to calculate the policy score.
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To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

 

How we analyse home insurance

 

We analyse and rate 48 key elements of standard buildings home insurance policies to come up with the buildings policy score and 67 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance / reduce their impact in the overall product score.

Insure4Retirement's home insurance policy: is it good or bad?

We've rated hundreds of policy details and picked out the best and worst elements of this cover.

Members can log in to read our full policy analysis. If you're not already a member, you can sign up to a one month trial of Which? Money for just £1 to access this review and thousands of others.

In detail: every part of Insure4Retirement's home insurance rated

Weighting Policy element Details Rating
Most important Maximum sum insured (£) Logged out detail Logged out padlock
Most important Alternative accommodation (£) Logged out detail Logged out padlock
Most important Owner's / Occupier's liability (£) Logged out detail Logged out padlock
Most important Repairs guarantee Logged out detail Logged out padlock
Other Unoccupancy period Logged out detail Logged out padlock
Most important Trace and access  (£) Logged out detail Logged out padlock
Most important Burst pipes - included? Logged out detail Logged out padlock
Most important Blockage of sewer pipe - included? Logged out detail Logged out padlock
Secondary Gradual build-up of groundwater - included? Logged out detail Logged out padlock
Secondary Subsidence - included? Logged out detail Logged out padlock
Secondary Damage to underground services - included? Logged out detail Logged out padlock
Secondary Flood and storm damage - included? Logged out detail Logged out padlock
Secondary Flood and storm damage to outbuildings - included? Logged out detail Logged out padlock
Secondary Storm damage to fences - included? Logged out detail Logged out padlock
Other Theft of keys - included? Logged out detail Logged out padlock
Secondary Theft of keys (£) Logged out detail Logged out padlock
Other Loss of keys - included? Logged out detail Logged out padlock
Secondary Loss of keys (£) Logged out detail Logged out padlock

Table last updated in March 2020. Next update in February 2021.

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 Insure4Retirement directly. 

Find out more about claiming successfully in our guide to making a home insurance claim.

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