3xd is a specialist UK insurance provider established in 2006. Unlike many direct-to-consumer brands you see on TV, 3xd operates primarily as an intermediary, designing high-quality home insurance products that are often sold through financial advisers, mortgage brokers, and building societies.
Based in the Ribble Valley, Lancashire, 3xd is now part of the Brown & Brown team (one of the world's largest insurance brokerages). They are known for their "common policy wording" approach - meaning that regardless of which insurer on their panel actually underwrites your risk, you get the same clear, consistent set of terms and conditions.
You can get independent advice and a personalised quotes comparison of 3xd’s home insurance deals from one of our expert advisers below:
Get home insurance quotes and advice today!
You can use our expert advisers to compare home insurance deals from 3XD with products from other providers across the market.
They will round up personalised quotes from 3XD and alternative providers and offer bespoke advice on which one to choose.
To get started, fill in our quick online form below and one of our expert home insurance advisers with be in touch today!
What type of home insurance do they provide?
3xd focuses on a simplified, high-quality offering. Rather than confusing customers with multiple "Silver, Gold, Platinum" tiers with vastly different wordings, they typically offer a single, comprehensive policy with flexible limits that can be tailored to your needs.
Their policies are underwritten by a panel of insurers (including Accredited Insurance) but share a common set of rules.
Buildings insurance
This covers the structure of your home, including walls, roofs, outbuildings, and permanent fixtures.
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Cover limits: Typically offers high limits (often up to £1 million) to cover rebuilding costs.
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Trace and Access: Cover is included to find the source of a water leak, typically up to £5,000.
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Unoccupied period: Standard cover usually allows for the home to be empty for up to 30 days (though this can sometimes be extended by agreement).
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Accidental Damage: Accidental damage to fixed glass and sanitary ware is often included as standard.
Contents insurance
This protects your household goods and personal belongings against theft, fire, flood, and other risks.
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Cover limits: Flexible sums insured are available, often ranging up to £100,000.
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Valuables: The single article limit for valuables is typically £2,000 (items worth more must be specified).
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Business Equipment: Cover for office equipment at home is often included up to £4,000.
Optional Extras
While the core policy is comprehensive, you can usually add the following for extra protection:
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Full Accidental Damage: Covering mishaps like spilling wine on a carpet or putting a foot through a ceiling.
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Home Emergency Cover: Providing 24/7 assistance for boiler breakdowns, plumbing issues, and electrical failure (typically up to £1,000 per claim).
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Legal Expenses: Covering legal costs for disputes (e.g., employment or property disputes) up to £100,000.
How 3xd calculates premiums
Because 3xd works with a panel of insurers using one policy wording, they can price-check your risk against multiple underwriters to find the cheapest rate for the same high level of cover. They consider:
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Location: Postcode risk for flood, theft, and subsidence.
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Property Details: Age, construction type, and security features (locks, alarms).
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Claims History: Previous claims will impact the premium.
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Occupancy: Your employment status and how often the home is occupied.
Pros and cons
Here are the pros and cons for 3xd’s typical home insurance offering:
3xd Home Insurance
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Pros |
Cons |
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No Cancellation Fees: Unlike most insurers, 3xd typically charges £0 admin fees if you cancel your policy (even mid-term). |
Often only available through brokers/advisers, not always on direct comparison sites. |
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Common Policy Wording: You get the same clear terms regardless of which insurer underwrites the risk. |
Unoccupancy limit (30 days) is lower than some "Gold/Platinum" competitors (often 60 days). |
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UK-Based Service: Claims and customer service teams are based in the UK. |
Full Accidental Damage is usually an optional extra rather than standard. |
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Trace & Access: Generous £5,000 limit included as standard. |
Customer reviews
Because 3xd is often sold via intermediaries (like mortgage brokers) rather than directly to the public, they do not have a massive consumer-facing Trustpilot page in the same way brands like Admiral do. However, they are highly regarded within the industry.
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Service Awards: 3xd has previously been awarded the Customer Service Excellence® standard, a government-backed accreditation.
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Broker Feedback: They are frequently recommended by mortgage brokers for their ease of use, fair claims handling, and lack of hidden fees (like cancellation charges).
How to get a 3xd home insurance quote
3xd products are generally designed to be sold through intermediaries. This means you often cannot go to a "3xd" website and buy a policy directly as a consumer.
Instead, you access their deals through a broker or financial adviser. This is often an advantage, as the broker can ensure the policy limits are exactly right for your home.
At Money Helpdesk, our home insurance experts have access to a wide range of providers, including specialist intermediaries. We can compare 3xd’s offering against the rest of the market to see if they are the best fit for you.
If you are wondering whether 3xd is the right choice for your home insurance, get in touch and we will review this for you.