Compare ALPS Ltd Home Insurance Quotes Against The Market

Alps (Auto Legal Protection Services Ltd), based in Congleton, Cheshire, is not a direct home insurer. They are one of the UK’s leading providers of insurance add-on products. They work with a vast network of over 900 independent insurance brokers.

If you see the Alps name on your home insurance paperwork, it means your broker has sourced your main buildings and contents cover from a traditional insurer (like AXA or Aviva), but has used Alps to provide your supplementary perks, such as Home Emergency or Family Legal Protection.

You can get independent advice and a personalised quotes comparison, including comprehensive add-ons like those from Alps, from one of our expert advisers below:

What type of home insurance do they provide?

Alps does not underwrite core buildings or contents insurance. Instead, they provide the "bolt-on" products that make a standard home insurance policy fully comprehensive. When arranged by a broker, an Alps package typically includes:

Alps Home Emergency Cover

This is designed to stop a minor crisis from becoming a disaster. It provides rapid, 24/7 assistance for sudden incidents.

• Cover limits: Offers a generous £1,000 claim limit per emergency, which is higher than the £500 limit offered by many standard insurers

• Scope: Covers complete failure of the primary heating system (boilers), burst pipes, blocked drains, internal gas leaks, and inoperable toilets

• Pest Control: Uniquely, it also covers pest removal for wasps, hornets, rats, and mice

• No Excess: There is typically zero excess to pay on an Alps Home Emergency callout

Alps Family Legal Protection

This provides financial backing if you need to pursue or defend a legal action.

• Cover limits: Covers legal advisers' costs up to a specified limit (often £50,000 or £100,000)

• Scope: Covers consumer disputes (buying or renting goods), personal injury claims, clinical negligence, and property infringement (like boundary disputes or trespass)

• Identity Fraud: Includes specialist support to deal with credit agencies if you are the victim of identity theft

Alps Home Excess Protection

A highly popular add-on that reimburses the excess you have to pay when making a successful claim on your core home insurance policy.

• Cover limits: Flexible aggregate limits ranging from £50 up to £2,000

• Benefit: It allows you to select a higher voluntary excess on your main buildings/contents policy (bringing your base premium down), safe in the knowledge that Alps will reimburse that excess if you claim

Core Buildings & Contents

To reiterate, Alps does not provide the cover for the physical structure of your home (Buildings) or your personal belongings (Contents) against fire, flood, or theft. Your broker will source this core risk from a panel of standard insurers.

How premiums are calculated

Because Alps provides ancillary add-ons, the premium calculation is straightforward:

• Flat-Rate Premiums: Add-ons like Home Emergency or Legal Expenses are typically sold at a flat annual rate (e.g., £30 - £60 a year) rather than being dynamically priced based on your postcode or property type

• Core Premium: The bulk of your home insurance cost will be calculated by the main underwriter (covering the buildings and contents risk), who will assess factors like your property's age, location, flood risk, and your claims history

Customer reviews

Because Alps is a Business-to-Business (B2B) company dealing with brokers rather than the general public, direct consumer reviews are limited.

• Industry Reputation: Within the UK insurance industry, Alps is highly regarded. They partner with over 900 brokers and manage hundreds of thousands of claims. They frequently win B2B service awards for their rapid response times

• Claims Handling: Emergency claims are often delegated to specialist networks (like Arc Legal Assistance for legal claims), who have robust, 24/7 UK-based infrastructure and high customer satisfaction rates

How to get an Alps home insurance quote

You cannot go to the Alps website and buy a policy directly. They are strictly a wholesale provider to the broker market. To benefit from Alps' high-quality Home Emergency or Legal Protection products, you need to use an independent insurance broker. The broker will find the cheapest core buildings and contents policy for your home, and then add the Alps products on top to make it comprehensive.

At Money Helpdesk, our home insurance experts can help you review your options and ensure you get the right blend of core cover and essential add-ons. If you are looking to arrange robust cover for your property, get in touch and we will present you with all of your best options.