Asda Home Insurance FAQs

Frequently asked questions

  • Am I eligible for 30% discount?

    20% discount is applied with up to 4 years no claims for either building or contents or both. There is an additional 10% discount for buying a buildings and contents combined policy.

  • How do I find out what level of cover I have?

    Just take a look in your policy schedule. It will clearly state whether you have Asda 3 Star Home Insurance or Asda 5 Star Home Insurance; it will also confirm the amount of cover you have chosen for each module. 

  • How do I work out the cost for rebuilding my property?

    Typically the cost to rebuild your property will be less than the market value. It does not include the value of the land for example.

    Your current home insurance policy documents may indicate the rebuild cost, as will a surveyor’s report or mortgage valuation report from the last 2 years. Or you can go to BCIS who offer a free calculator to help you get an idea of your home's rebuild cost.

    For peace of mind, we've included two blanket cover options - the 3* and 5* offer £400,000 and £750,000 respectively.

  • What does new for old mean?

    New for old means that Asda Home Insurance will replace the item you're claiming for with a brand new one of the same make and specification. This applies to all contents claims apart from when you're claiming for clothing or household linen where we make a deduction for wear and tear.

  • What exactly are high-risk items?

    Asda considers high-risk items to be:

    • Clocks
    • Paintings
    • Works of art
    • Coin or stamp collections
    • Articles of precious metal

    And high-risk personal items are:

    • Camping equipment
    • Electric wheelchairs
    • Hearing aids
    • Jewellery/Watches
    • Clothing
    • Medal collections
    • Precious metals
    • Silver items
    • Sporting equipment
    • Valuables, deeds and securities deposited in bank
  • Do I pay an excess if I make a claim?

    Yes, you choose your excess which ranges from £50 to £500 when you buy the policy

    There is an additional £250 excess for escape of water and £1,000 for any subsidence claims. 


  • Why do I need legal cover on home insurance?

    In our everyday lives, we all face situations that could lead to needing legal help if difficulties arise - a problem with your employer; an injury that's the result of someone else’s negligence; a dispute over faulty goods or services; and the increasing threat of identity theft – these are all common issues that could require expert legal help to resolve. 

    It’s impossible to predict the timing or nature of legal problems. That’s why this policy gives you access to telephone advice, information and assistance services. Our family helplines provide access to our professional legal advice teams, staffed by solicitors and other legal advisers. You can consult them as often as you need about a personal legal issue.

    Also, as the complexities of the tax system can prove a minefield for anyone, our confidential tax advice helpline can advise on any personal UK tax matter.

    There is also a health and medical information service, providing useful nondiagnostic advice and information on general health issues. And there’s a confidential counselling service that provides access to a qualified counsellor for all your family.


  • If I need to, can I make a claim at 2 o'clock in the morning?

    Your home emergency cover offers a 24/7 assistance line in case of an emergency. Please check out the contact details you need, here.

  • What is business use?

    Business use is when an item is used in relation to any professional work. For example a carpenter's tools could not be covered under this home insurance policy if they are used for their trade.

  • Is it safe to use a credit or debit card on your site?

    We know how important it is to protect your personal information from possible security risks so all of the information you put into our quote form is protected by encryption. Please refer to our 'Privacy Policy' section, this can be found at the bottom of the page.

  • Can I pay monthly?

    Yes, of course - with Asda, you can choose to pay either monthly or annually.

  • Can I get instant cover?

    Yes, our system provides and instant quote that you can submit online or over the phone. 

  • Can you provide proof of purchase for my mortgage provider?

    Yes, your policy documentation can be emailed to you as soon as you have bought the policy.

  • Is my property standard construction?

    Standard construction is classed as being built with brick, stone or concrete and roofed with either tiles or slate. You can however, get cover outside of this construction.

  • Am I able to let my property out with this cover in place?

    No, this policy covers the property you live in only.

  • Can I run a business from my home?

    Asda Home Insurance doesn't cover a property where it is used for any trade, professional or business purposes other than clerical work undertaken by your family.

  • Do you charge for making amendments to my policy?

    There's no administration charge to make changes to your policy. However if you're adding on additional cover or amending your property details, this could result in an increase in premium.

  • How can I cancel my policy?

    Please check out the contact details you need, here.

  • Where can I check my premiums total?

    Your policy schedule confirms all your premium information.


  • How do I increase the sum insured?

    Simply call 0800 479 8711 and we will be happy to help.

    Lines are open 8am to 7pm Monday to Friday (except bank holidays), 9am to 5pm Saturday. Calls may be recorded and monitored.


  • Am I covered for items away from home?

    The Personal Items, Technology & Entertainment and Pedal Cycle parts of your insurance all offer cover for items away from the home. Please check your schedule to see if you have selected these options.

  • How much notice do I need to give if I am moving home?

    To make sure you're fully covered, you should let us know as soon as possible so that we may provide you with a quote for your new property.

  • How do I make a new claim?

    Simply call 0800 479 8711 and a claims handler will take you through the next steps.

    Lines are open 8am to 7pm Monday to Friday (except bank holidays), 9am to 5pm Saturday. Calls may be recorded and monitored.

  • How do I check the progression of a claim?

    Your claims handler will keep you up to date with the progression of your claim but if you would like further updates just give us a call on 0800 479 8711.

    Lines are open 8am to 7pm Monday to Friday (except bank holidays), 9am to 5pm Saturday. Calls may be recorded and monitored.

  • Am I eligible for the 5% cashback offer?

    From the 21st January 2014, Asda Money will be offering 5% cashback on home insurance when you use your Asda Money Credit Card and pay annually in full (excludes monthly direct debit). Representative 18.9% APR Variable. 

    Upon purchasing or renewing your annual Asda Money insurance policy with your Asda Money Credit Card, 5% cashback will be applied automatically on to your next Asda Money Credit Card statement. Should you cancel your policy at any point, within the policy year, the 5% cashback will be deducted from the following Asda Money Credit Card statement. This offer does not affect your right to cancel the policy. The cashback is facilitated by your Asda Money Credit Card provider, and not supplied by your insurance provider. All Asda Money insurance policy payments must be paid in full and not by direct debit. Asda Money insurance policies included in the offer are as follows; Van and Car (excludes any other policies purchased through the Asda Comparison Service), Home, Pet, Annual Travel (not single trip), UK or European Breakdown Cover (Roadside Cover not included).

  • How can I switch to Asda Home Insurance?

    It's easy:

    • Buy online in just a few minutes; just pay in one go or spread the payments over 12 months.
    • Prefer to talk? Just call our customer service team who'll be able to help you through your quote.  You can even ask to speak to the same person next time you call so you're not going over old ground.
    • Let us know how many years you’ve been claim free and we can give you up to a 20% discount on your premium.
    • Once we’ve set up your policy we’ll send you all your new documents, we’ll even give you a quick welcome call to ensure you’re happy with the cover and answer any queries.
  • How do I increase the sum insured?

    You can increase the sum insured at any time during the policy year by contacting our Service Team.

  • Am I covered for items away from home?

    This is dependent upon the options you selected when purchasing your policy. Please refer to your Schedule of Insurance and your policy booklet for more information.

  • How much notice do I need to give if I am going to change my address?

    Please advise us as soon as you know the date that you will be moving so that we can update your policy details.

  • What is covered under home emergency?

    Home Emergency cover is underwritten by DAS Legal Expenses Insurance Company Limited and provides up to £500 towards costs associated with a ‘home emergency’ i.e. the sudden breakdown of the main heating system, or the blockage or breakage of pipes and drainage system in your home. The sum insured will pay up to £500 (including VAT) towards the call out charge and up to 2 hours labour costs and includes £100 towards part costs (including VAT).

  • Do I need to contact you to arrange renewal of my policy?

    Full details of your renewal will be sent to you 21 days before the end of your policy. If you would like to discuss your renewal, please call us on 0800 479 8711.