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Home insurance

Existing customers can use the Online Self Service Centre to manage their policy

Visit the Online Self Service Centre

SunLife Home Insurance is arranged and administered by BISL Limited

Your Online Self Service Centre

If you're already a SunLife Home Insurance customer, you can manage your policy at the Online Self Service Centre. With a simple log-in, you can:

  • access your policy online, 24/7
  • view, download and print policy documents
  • make a payment
  • change your payment details

Visit the Online Self Service Centre 

Or if you prefer, you can call 0330 018 2059 directly.

Lines are currently open: Monday-Friday 8am to 8pm, Saturday 9am to 5pm, Sunday 10am to 4pm and Bank holidays 9am to 5pm.

Frequently asked questions

I’m worried that I might not be able to continue to make my payments – can you help?

If you think you may be unable to maintain your regular policy payments, please contact us as soon as possible on 0330 018 2059. Our opening hours are Monday-Saturday 8am-6pm.

We have specialists on hand who can discuss your individual circumstances and agree how we can help with your financial situation. There are several ways we may be able to help including:

  • moving your payment dates
  • agreeing partial payments or payment holidays in the short term,
  • and removing any fees applied to your policy.

Don’t wait until you miss a payment as we can help you in advance. We ask that you don’t cancel your payments or direct debits as this can result in your policy being cancelled and we don’t want you to be left uninsured, please get in touch with us in the first instance.

What is the difference between building insurance and contents insurance?

Buildings insurance covers damage to the structure of your home (e.g walls, roof etc), outbuildings (e.g garage or shed) and its permanent fixtures and fittings. Contents insurance covers the personal belongings that you keep in your home. It also covers contents temporarily removed from your home for up to 90 consecutive days and contents temporarily removed from your home while attending full time education.

How much cover do I need?

For buildings insurance, you need to consider the full rebuild cost of your home, which isn’t necessarily the same as its market value – or what you paid for it. This handy calculator from the Association of British Insurers can give you an idea of the full rebuild cost of your property.

For contents cover, you need to make a list of everything you own – including furniture, ornaments, carpets, clothes, electrical items, and any garden furniture or shed or garage contents – and calculate how much it would cost to replace it all. It’s easy to underestimate, so make sure you don’t end up under-insuring your belongings.

What personal belongings are included with home contents cover?

As well as furniture and electrical items, and valuables kept in the home, you’ll have cover for freezer contents, money and credit cards – plus, you can choose from a range of cover limits to suit your needs and preferences.

What is 'Valuables Within The Home' cover?

High Risk Property

  • Articles of jewellery, pearls, gemstones, gold, silver and precious metal
  • Pictures and works of art
  • Any rare or unusual article that is collectable
  • Stamp, coin and metal collections
  • TVs, portable computers and computers
  • Software stored on any computer, entertainment, audio or video equipment
  • Furs, clocks and watches
What about things in the garage, or the garden shed?

Items stored in a garage or outbuilding are covered if you have selected contents cover, but the cover is limited to £2,000 if the items are stolen. Items in the open, for example garden furniture, are covered up to £1,000 (single item limits apply).

What do I do if something happens that makes my property unsafe to stay in?

Alternative accommodation cover is available if your home becomes uninhabitable due to an insured event, and this is included in your policy as standard. Level of cover depends on whether you have a Buildings only, Contents only or Combined insurance policy. Please check your policy documents.

What is accidental damage?

Accidental damage is damage that occurs as a result of an unexpected and non-deliberate action.

Am I covered for accidental damage?

A basic level of accidental damage cover is included as standard in both our buildings and contents insurance policies. Your policy includes standard accidental damage to buildings and/or contents, depending on the policy you have. For an additional premium you can add extended accidental damage cover. Limits apply.

What is a policy excess?

An excess is the amount of money you will be asked to pay in the event of a claim. For example, if you have a £100 excess then you will pay the first £100 of the claim you make. You can often reduce your insurance premium by increasing your excess but you should always make sure that you are happy to pay this amount in the event of a claim.

Are my personal possessions covered away from home or on holiday?

As standard our policies do not include cover for personal possessions however personal possessions cover can be added for an additional premium.

Does Contents Insurance cover new for old?

Yes. We’ll replace your old goods with brand new ones – like for like, or with the nearest equivalent, subject to policy Terms and Conditions.

How do I make changes to my policy?

You can view your policy online and make changes by logging into our Online Self Service Centre.

Or if you prefer, you can call 0330 018 2059 directly

Lines are currently open: Monday-Friday 8am to 8pm, Saturday 9am to 5pm, Sunday 10am to 4pm and Bank holidays 9am to 5pm.

How can I make a claim?

If you would like to make a claim, please call 0330 018 2058. Lines are open 24 hours a day.