Insurance

Zigzag Mortgages

Your home is more than just bricks and mortar. It's the result of years of hard work; a place where memories are created, and a home for valued and treasured possessions. Making sure you have the right insurance for your home could provide real peace of mind.

Choosing a Home Insurance policy

Every household is unique, and what benefits your neighbour may not necessarily benefit you. Here are some key points to consider when choosing a policy:

Buildings Sum -Assured This should be enough to cover the full cost of rebuilding your property. The rebuilding cost is not the same as market value, and may change if you extend or alter your property.
Alternative Accommodation - Knowing your policy includes alternative accommodation can be reassuring should you need to leave your property, due to an event like flood or fire.
Contents Cover - Many insurers offer a standard level of contents cover (eg. £35,000). This may seem like a lot, but it’s surprising how the value of your possessions, including things like your music collection and clothes, can quickly add up.
Accidental Damage Cover - Policies will automatically cover you for the consequences of certain events (eg. flood and fire), but not accidents. You may therefore want to find a policy that includes accidental damage cover.
Cover away from the home - If you take your valuable items away from your home, you may want to consider covering your personal possessions separately under your Contents policy.

It might not pay to save

Many insurance companies promote their Home Insurance products based on price. While it might be tempting to go with the cheapest premium you can find, it may not actually provide the right level of cover for you and could include hidden excesses. Insufficient cover could leave you significantly out of pocket when you need to make a claim.

How to measure quality of cover

Just like the hotel industry, many Home Insurance policies are star-rated based on the quality of cover provided. This star system is operated by independent research firm Defaqto.

One or two-star products will offer simple, basic cover. A four or five-star product will deliver higher levels of cover, with additional benefits.

Buying online

While the internet may seem a quick and easy way to arrange Home Insurance, be careful. Many websites apply default settings to generate the cheapest quotes. However, these default settings may not be right for you and the level of cover you need.

We can search through a range of policies to find the one that suits you best from our extensive list of insurers.

So glad I found this service. Looking for a house was hard enough and ZigZag Mortgages were there to answer any questions, help me through the process, and secure me the best mortgage deal. Definitely recommend getting in touch with them regardless of your previous house buying experience.

Stacey Newton

Thank you very much to Andy and the team for making the process of getting a mortgage very easy for me. As a first time buyer it was reassuring to know I could ask as many questions needed; it really helped me feel more relaxed about the whole process. I would highly recommend Zigzag Mortgages to anyone looking to buy!!

Chris

Thank you to Andrew and all Zigzag team for help and support in buying our first house. Really professionals and definitely recommend.

Anca Olteanu

As first time home buyers, we had no idea where to start. A massive thank you to Louise, Natasha and the rest of the Zigzag team for making it very easy. They provided us with exactly what we needed and the communication was amazing! Thank you again!

Hannah Rigby

I contacted zig zag as soon as I had an offer accepted on a house. They were immensely helpful, guiding and explaining each step of the process and making it easy for me to understand. I felt secure knowing I was getting good strong advice which helped my position and finding a solicitor and all the steps until completion were much easier with their help. They helped secure me a good mortgage in turbulent times. Would highly recommend Zig Zag Mortgages to any one considering a mortgage advisor.

Andrew Titterington

Some buy to let mortgages are not regulated by the Financial Conduct Authority

Zigzag Mortgages Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. You can find us on their website www.fca.org.uk. Our registration number is in England & Wales no.11069995. Registered Office at 12 Cleveland Street, Chorley, Lancashire, PR7 1BH.

The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it.

Approved by The Openwork Partnership on 12/12/2023