Buildings & Contents Insurance

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We offer a comprehensive list of Personal and Commercial Buildings & Contents Insurance policies. Whether you most prized possession is the roof over your head and/or the contents in it, the flat or commercial property you let out or even the commercial property you trade from, we have a policy for you.

In addition to covering a wide variety of policies we also cover the most unusual risks in the Personal and Commercial market via our specialist insurers. Some of these insurers are unique to us here at Policywave and our offering is not available via any other broker.  It means we can offer unique cover at a market leading price on High Value Insurance and Non-Standard Insurance cover. Whether that be Flat Roof, Flood Risk, Non-Standard Construction, Self-Build, Subsidence or Underpinned History.

If you don’t see the policy type you are looking for below, give us call as we have access to some of the most unique and niche insurers in the UK. Just because it’s not listed, it doesn’t mean we can’t cover it!


Personal Insurance Products

Household insurance (in its common form but incorporating all the above) is an area that clients spend thousands on each year, stick it on direct debit and then don’t think about getting a fresh quote, renewing their policy year on year. We have never not been able to save some money on their client’s household policy, so if your reading this we can’t think of a better reason to call us!

  • Household Buildings and Contents Policy.
  • High Net Worth Home Insurance.
  • Properties with a Flat Roof.
  • Properties at Risk of Flood.
  • Properties of Non-Standard Construction.
  • Properties with Subsidence.
  • Properties that have previously been underpinned.
  • Properties that are unoccupied. (unoccupied Residential Insurance).
  • Residential Landlord Insurance Cover. (Buy to Let Insurance).


Commercial Insurance Products

We have a variety of Commercial offerings, Buy to Let Insurance (sometimes known as Landlord Insurance), Holiday home Insurance as well as properties you run your business from. This could be a Bed & Breakfast, Factory or Pub. As these risks, can be specialist and detailed questions are not generic, thus these policies are only available over the phone as we will need to liaise with insurers on certain risks, but hey, what have you got to lose? Some of our Commercial Products are listed below, but again if you don’t see it listed it doesn’t mean we cannot cover it. 

We always welcome feedback and if we’ve done something good tell others about is and Leave us some feedback. As an independent broker, it keeps us in business…

If, however, any form of our service is not up to standard, give us the opportunity to address it, by emailing our Complaints Department here. We aim to acknowledge within 4 hours.

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We'll call you at a time convenient to you, existing clients please contact us on 0333 332 7750. Please specify the date you wish to be called back in the message. Alternatively, we will attempt to call you at the time specified on the next available working day.
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I am very happy to go ahead, and can I take this opportunity to say the service you provided with my accident was excellent I have recommended you to a couple of other instructors.


Thank you for the service you have provided, I would highly recommend you and your company to anyone. I will go further and say your company made my accident far less inconvenient to me with as little hassle as possible. The prompt and hassle free service was well worth the competitive premiums paid.


I don’t think any of the leading Insurance companies could have provided a better service. The loss in revenue could have been substantially greater if the service wasn’t as prompt as it was.


Thanks again.


Dean W – Leicester

for Driving Instructor Insurance



I am most grateful for the time you took to find a quote. I was also impressed by your honesty….Thank you once more for your professionalism. It was encouraging to talk to a human being who could use some judgement.


R Andrews – Yorkshire