Quotemehappy Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Quotemehappy is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on Quotemehappy home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Quotemehappy the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Quotemehappy’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,6 Safe overall rating for Quotemehappy

Safe ratingOur opinion
Customer service & satisfaction
and claims

Website is customer friendly and can be easily navigated
Good reviews from TrustPilot
5 star rating from Defaqto for the Essentials Plus and the Premier policies
All their services can be accessed online.
No call centre for customer service queries
Policy documents are not available on the website

Cover provided for your home

Legal expense cover of up to £100 000 is provided as an optional extra
Insurance of up to £2m is offered for the liability as owner cover
New for old contents insurance
The Contents insurance does not cover Credit Cards

Value for money

NCD is available
No charge on monthly payments
Affordable rates also because no call centre fees
£30 is charged cancellation outside the cooling period
No discounts offered

Financial strength

Quote me Happy’s Home Insurance policies are underwritten by Aviva Insurance Limited


Mobile app available
My Account customer portal to fully manage policy online
Website is user friendly and can be easily navigated
No live chat or chat bot option

Safe rating for Quotemehappy home insurance

Expert and customer satisfaction reviews for Quotemehappy home insurance

Review organisationQuotemehappy home insurance reviews

Defaqto expert

Essentials: 4 stars
Essentials Plus: 5 stars
Premier: 5 stars

Trustpilot4,6/5 based on 22,426 customer reviews
Smart Money People

4,27/5 based on 11 opinions

Consumer satisfaction rates on reviews for Quotemehappy home insurance

Our general opinion on Quotemehappy home insurance

Quote me Happy is the online version of Aviva Insurance and they are based in Southwark, London. As their services are majorly online, it is affordable compared to other home insurance companies and it is a;sp easy to take out insurance policies and modify them (if need be) from time to time, Quote me Happy has a 24/7 dedicated claims hotline based in the UK and they also offer car insurance services. A sum of £1 M is provided to cover building insurance.

Quote me Happy has three options you can pick from and different amounts of cover are provided for the different options.
The Essentials cover option offers great building insurance with owner’s liability limit up to £2M.
The Essentials Plus cover option also provides employers liability option of about £10M.
The Premier cover provides insurance for contents in the open, outbuildings and a valuable standard limit of (up to £10,000).

The Essentials Plan has a 4 star rating on Defaqto while the Essentials Plus and Premier cover plans are rated 5 stars by Defaqto. The premium plan, as most of more comprehensive cover, includes accidental damage, legal expenses as standard.

What does Quotemehappy home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at Quotemehappy will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at Quotemehappy covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Quotemehappy buildings and contents insurance

Quotemehappy provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Quotemehappy building insuranceLimits
Maximum sum insured

£1 000 000

Owner liability

£2 000 000

Alternative emergency accomodation


Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

Optional extra

Gradual build-up of groundwater

Not covered


As standard

Underground services

Optional extra

Keys cover

£1 000

Flood and storm damage (except for fences)

Not covered

Quotemehappy building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

Essentials: £100,000
Essentials Plus: £100,000
Premier: Unlimited

Owner liability

£2 000 000

Alternative emergency accomodation


Period of home’s unoccupancy cover

60 days

Damage made by pets

Not covered

Contents kept in garden


Contents kept in outbuildings (garage included)

Not Stated

Thefts from outbuildings

Up to £5000

Single item limit for valuables

£1 500

Items temporarily removed from home

£5 000

Money in and outside the homeInside:

Up to £1000


Not Stated

Credit cards in and outside the homeInside:

Not Stated


Not Stated

Business equipment kept at home

Up to £8000

Student equipment

Not Stated

Keys cover

£1 000

Quotemehappy contents insurance

Quotemehappy home insurance additional cover

On top of your Quotemehappy buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra (included as standard in Premier cover)
  • Up to £1000 emergency accommodation limit
  • Up to £1000 to cover labor, costs of materials and parts
Boiler cover
  • Part of the home emergency optional extra
  • Up to £1 000 for boiler repair
  • Up to £500 for boiler replacement
Legal protection
  • Optional extra
  • Up to £100 000 for expert lawyers fees
Personal possessions

Not Stated

Mobile cover

Not Stated

Bicycle cover
  • Optional extra
  • Limit is included in the schedule

Quotemehappy home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claimsUp to £100
Excess for escape water claims£350
Excess for subsidence claims£1000.
Excess for personal possessionsNot Stated
Excess for keysNot Stated
Quotemehappy home insurance main excess

Quotemehappy home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Quotemehappy fees are as follows:

Fees applied to manage your Quotemehappyhouse policy
Interests on payment installments0,00%
To renew my policy£0
To adjust my policy£30
To duplicate documents£30
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£30
For payment default£0
To switch from one insurer to QuotemehappyNot covered
Home insurance fees at Quotemehappy

How much does Quotemehappy home insurance cost?

You will below indicative quotes for building and contents insurance at Quotemehappy:

Building insuranceContents insurance
ExcessUp to £100 Up to £100
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Home insurance quotes at Quotemehappy

It is very difficult to give a precise range of how much exactly will your home insurance cost at Quotemehappy as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Quotemehappy will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Quotemehappy home insurance discounts available

No discount available.

How do I a claim on Quotemehappy home insurance?

With Quotemehappy, claims can be made either by calling the company’s representative or through your customer portal also available on your Quote me Happy App.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Quotemehappy home insurance?
Claim online

Claim form

Claim by phone

0345 030 6902

How to claim on my home insurance at Quotemehappy

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Quotemehappy house insurance?

To cancel your Quotemehappy house insurance, here is what you need to know: 

Cancelling your home insurance at Quotemehappy
Cancellation notice if Quotemehappy cancel your policy14 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £30
Cancel online

Cancellations can be made on your customer portal, also available with the Quotemehappy App.

How to cancel my Quotemehappy home insurance

How to contact Quotemehappy home insurance?

ServicesPhone numbersOpening hours

0345 030 6902


Legal Advice

0345 030 6902


How to contact Quotemehappy home insurance

Quotemehappy home insurance contact details

Quotemehappy contact details
Quotemehappy address

Quote me Happy Insurance
St Helen’s
1 Undershaft

Customer service email

Contact form

Chatbot available

Not Available

Quotemehappy contact details

How do I log in to Quotemehappy customer portal?

You can log to the Quotemehappy My Account customer portal in by clicking on the Existing Customer Section of the website. You will be asked to enter your email address as well as your password.

How do I get Quotemehappy home insurance quotes? 

To get a quote online at Quotemehappy, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Quotemehappy is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Quotemehappy home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Quotemehappy house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.