Home Insurance

Home (household) insurance provides cover from events that damage your home or possessions. In the event that your home is damaged or destroyed, the correct insurance could result in the insurance company rebuilding your home. It could also assist with replacing your possessions.

Type of Insurance Cover

Home insurance is comprised of buildings insurance and contents insurance, which can be bought separately or together from the same provider.

Buildings Insurance

Buildings insurance covers the physical structure of your property, which includes the walls, roof and floors. It also covers any permanent fixtures - internal and external structures are usually covered too.

Contents Insurance

Contents insurance covers anything within your home that could be removed and taken to another property – clothes, furniture, fridge and television (carpets are also usually included). There are some exceptions so always check what’s included in the definition of ‘contents’ in your policy.

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Frequently Asked Questions

This depends on whether you own your home or are renting. If you are a homeowner then you’ll need buildings and contents insurance. If you are renting, you will usually require, just, contents insurance.

Landlords will require Buildings insurance to cover the property/ properties they are renting out.

Current home insurance policy documents
The rebuild value of your home
Details of the property
The level of cover you need

It is cheaper to pay for insurance annually. If paying monthly, we use an external company, Premium Credit, which pay the insurance and then charge you over a 10 month period adding on approximately 9% interest.

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In the UK 1.6 million people rely on heating oil for their energy, this can be due to rural locations and no access to cost effective alternatives. Thousands of fuel oil deliveries take place each day in the UK to domestic and commercial properties, getting it wrong can cause catastrophic environmental damage.

At Evergreen we recognise the damage that could be caused should there be an oil spill or other incident, together with our partner Compass Environmental we have created a protection package to respond should a incident occur. Our product, Oilshield has been designed in conjunction with one of the UK’s largest insurers, Aviva and brings together our combined market knowledge and desire to help protect the environment.

Oilshield is a full business protection package for oil distrubutors, whilst protecting businesses property, liabilities and vehicles we have also build in compulsory risk management & training provided by Compass Enviromental as well as a 24/7 spill response and clean up service – therefore limiting the damage caused to the environment in an incident. Imagine if a tanker carrying fuel oil “rolled” on the motorway spilling oil into roads, rivers or farm land very quickly this can be a major incident. Compass have the capability to manage the incident and respond, dealing with all aspects of the clean up involved in such an incident. Managing Director Stewart Ower BSc (Hons), C.WEM, is a key figure in this sector and also provides spill training to the fire service and has been managing incidents for over 15 years, including a term as chairman at the trade association UK Spill and in his early days working for the Environment Agency.

There is a natural fit for the ethos that sits behind Evergreen and that of Compass Environmental, we can help protect the environment, limiting the damage caused in an incident whilst providing risk management, training and ongoing support to our clients.

Whilst rural locations rely on fuel oil for their energy, deliveries will take place. We are providing a protection package for the business owners, consumers and our environment – whilst also making donations to help support wider environmental and conservation projects.

To find out more about Oilshield click here to visit the website.

Visit the Oilshield Website

Evergreen has partnered with Voyageur Insurance to provide an online quote and buy facility for travel insurance catering for single trips and annual policies. You will now be taken to the Voyageur website where you can obtain a quote, and buy your policy should you wish to.

Visit the Oilshield Website