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I joined Countrywide Assured Insurance Services back in July 1999. At the time I was a first time buyer and was looking for a competitive home contents rate to cover me for the first year. I had never heard of countrywide Assured but chose them because I had arranged my mortgage through one of their independent mortgage representatives and wanted something less complicated while I sorted myself out.
Their home contents insurance is arranged by Guardian Insurance and is designed for people looking for contents cover at a competitive price, which was just what I needed.
In order to get cover from Countrywide Assured you have to qualify all 6 requirements. These are:
You require contents cover only for your home Your postcode area is where minimum security is required The home is self-contained The home is not lent, or sublet by you The home is your permanent place Only one home can be insured
Being a first time buyer I obviously qualified. They worked out how much to insure my property by the number of bedrooms that I have. 1 bedroom is insured for £12,000, 2 beds £13,000, 3 beds £15,000, 4 beds £18,000 and 5 beds £22,000. The maximum they will insure a property for is £40,000 and accidental damage is unlimited.
Nearer the renewal date I started to shop around and confirmed my worse fears that I was under insured by quite a lot. I was a bit concerned but as I saw it I was a first time buyer and had to furnish my flat, thankfully I didn’t have to make a claim. I was happy with the service Countrywide Assured provided but my needs had changed and the cover, which I originally opted for, was not sufficient for me any longer. I could have opted for a higher premium but did not see the need as I had found another lender who insured me for more and the monthly premiums were lower and they still gave me my 10% no claim bonus discount.
Post Code areas where minimum security is required
Countrywide Assured provides contents cover in the following UK areas. Not all postcodes are covered as they may feel a particular area is high-risk. To find out if your postcode is covered you can contact Customer Services on 01604 671188.