House & Contents Insurance

You’ll need to choose a sum insured that’s enough to fully demolish and rebuild your house to its existing size (at today’s building costs).

If you’re unsure what the rebuild costs would be, we recommend you use the Cordell SumSure Calculator to help you get an estimate.

See here for our full guide on choosing your sum insured.

Visit our guide on how to switch your policy to initio.

First, make sure your new initio policy is in place. We let you place cover any day up to a month in advance.

You’ll then need to contact your insurance company and tell them to cancel your policy from the same date.

Don’t worry about getting the exact square metre size, because we only ask for an estimate.

We’ll pay to fully rebuild your house to its existing size, up to the sum insured you select. If your house suffers a total loss we’ll be able to use past records to find its exact size.

Therefore an estimate of the size is enough, while selecting an adequate sum insured is more important.

Our contents policy has limits on certain items such as jewellery and bicycles. You will need to specify items that are worth more than their limits to have full cover. To get the full list of items and their limits, see here.

You don’t need to specify other high values items such as laptops or furniture. These are automatically covered as part of the contents sum insured you select.

When you insure your house with Initio we instantly email a copy of the certificate to your email inbox. No delays — we use technology to save you time and money.

You can generate and amend the insurance certificate yourself at any time through your initio dashboard login.