Compare Accord Home Insurance Quotes Against The Market

Accord Mortgages is a highly respected, intermediary-only lender and part of the Yorkshire Building Society Group. Because they operate exclusively through mortgage brokers, they are specialists in helping borrowers with complex or unique circumstances secure a mortgage.

When it comes to home insurance, Accord Mortgages does not underwrite or sell its own branded policies. Instead, as part of their mortgage process, they act as an introducer to Uinsure, an award-winning insurance administrator. This means that if you are offered home insurance through your Accord mortgage journey, you are actually getting a Uinsure policy, which is backed by a panel of leading UK underwriters.

You can get independent advice and a personalised quotes comparison of the deals offered by Accord's partner (Uinsure) alongside the rest of the UK home insurance market from one of our expert advisers below:

What type of home insurance do they provide?

Because Accord introduces customers to Uinsure, the cover provided is a premium, single-tier policy that has been awarded a 5 Star rating by Defaqto. Rather than confusing customers with Bronze, Silver, or Gold tiers, Uinsure offers a highly comprehensive baseline that you can customise with optional extras.

Buildings insurance

This covers the structure of your property, including the roof, walls, windows, and permanent fixtures like bathroom suites and fitted kitchens.

• Cover limits: The policy covers rebuilding costs up to £1 million as standard, heavily reducing the risk of you being under-insured

• Trace and Access: Essential for finding the hidden source of a water or gas leak. Uinsure offers highly generous Trace and Access cover limits (up to £1 million under the buildings section, depending on the specific underwriter)

• Unoccupied period: The policy typically allows for the home to be empty for up to 60 consecutive days before cover is restricted, which is double the standard 30-day limit offered by many mass-market rivals

• Alternative Accommodation: If your home is uninhabitable following an insured event, cover provides up to £200,000 to house your family and pets

Contents insurance

This protects your household goods and personal belongings against theft, fire, and flood.

• Cover limits: Contents are covered up to £75,000 as standard, with the option to increase this limit to £100,000 if you have more expensive belongings

• High-Risk Items: Standard cover includes up to £20,000 for high-risk items in the home (like art or jewellery), with a single article limit of £2,500 before the item needs to be specifically declared

• Student Belongings: Covers up to £5,000 for loss or damage to family members' belongings while kept in university halls of residence

Optional Extras

While the core policy is highly comprehensive, you can bolt on additional protection:

• Accidental Damage: Covers mishaps like spilling red wine on a cream carpet or putting a foot through the loft ceiling

• Home Emergency: Provides up to £1,500 per claim for rapid assistance with boiler breakdowns, burst pipes, and pest infestations

• Personal Possessions: Covers items like phones, laptops, and bicycles when taken away from the home

• Family Legal Protection: Up to £150,000 for legal costs related to employment disputes, personal injury, or property rights

How Accord Mortgages calculates premiums

When you are introduced to Uinsure by Accord Mortgages, your premium is calculated by searching a panel of leading insurers (which includes household names like Ageas, AXA, and RSA). Uinsure's technology compares the panel in the background to find you the most competitive rate for their 5-star wording. Factors include:

• Location: Postcodes with higher risks of flooding, subsidence, or theft will attract higher premiums

• Property Size and Type: The number of bedrooms, the age of the property, and its construction materials (e.g., standard brick vs. timber frame)

• Claims History: Your premium will be heavily influenced by your No Claims Discount (NCD)

• Security: Approved burglar alarms and high-quality door/window locks can lower your premium

Pros and cons

Here are the pros and cons of taking out a Uinsure policy introduced via Accord Mortgages:

Accord Mortgages Home Insurance (via Uinsure)

Customer reviews

To get an accurate picture of the insurance service, it is best to look at reviews for Uinsure rather than Accord Mortgages (who only handle the lending side).

• Trustpilot (Uinsure): Uinsure is rated Excellent, typically scoring around 4.8 out of 5. Customers heavily praise the straightforward digital portal, the lack of hidden fees, and the swift handling of documentation

• Defaqto: The Uinsure home insurance policy holds a 5 Star Rating, confirming that its features, benefits, and limits are among the highest quality in the UK market

• Trustpilot (Accord Mortgages): The mortgage arm is also well-regarded by brokers and borrowers alike for its common-sense underwriting and helpful support staff

How to get an Accord Mortgages home insurance quote

You will typically be offered a Uinsure quote during your mortgage application process with an independent broker arranging your Accord Mortgage. However, just because it is offered conveniently during your mortgage application does not automatically mean it is the cheapest or most suitable policy for your unique needs.

Uinsure is a fantastic product, but it is always wise to compare it against the wider market to ensure you aren't paying for cover limits you don't require.

At Money Helpdesk, our home insurance experts can help you review your options. If you are wondering whether the Uinsure policy introduced by Accord is the right choice for your home insurance, get in touch and we will review this for you.