Sunlife 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 Sunlife 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 Sunlife 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 Sunlife 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 Sunlife’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,4 Safe overall rating for Sunlife

Safe ratingOur opinion
Customer service & satisfaction
and claims

Online self service centre is available
24/7 Claims Helpline
5 stars Defaqto rating
High rating of 4.7/5 from TrustPilot
4.8/5 rating from Feefo
Policy documents cannot be easily accessed

Cover provided for your home

Sunlife specialises in offering home insurance services to policyholders over the age of 50
90 days unoccupancy limit which is higher than the number of days for most insurers
Up to £1.5M building cover

Value for money

25% discount is given to policyholders when the insurance policy is purchased online
NCD is not available
Admin fee is not available

Financial strength

It has been part of the Phoenix Group since 2016
Sunlife’s Home Insurance is arranged and administered by BISL limited

Technology

Ease in website accessibility
Social media availability
No online login option provided
Policy details can only be accessed by policyholders

Safe rating for Sunlife home insurance

Expert and customer satisfaction reviews for Sunlife home insurance

Review organisationSunlife home insurance reviews

Defaqto expert
defaqto 5 stars
TrustPilot4,7/5 based on 1552 customer reviews
Feefo

4,8/5 based on 5433 customer opinions

Consumer satisfaction rates on reviews for Sunlife home insurance

Our general opinion on Sunlife home insurance

SunLife is a specialised over 50s insurance provider based in Bristol and it was founded in 1810 and has been part of the Phoenix Group since 2016. SunLife apart from providing home insurance also provides life insurance and funeral plans, as well as car and pet insurance.

Anyone above the age of 18 can apply for home insurance from Sunlife. One level of cover is offered for the home insurance and it has a 5 stars rating from Defaqto, a 4.7/5 rating from TrustPilot and a 4.8/5 rating from Feefo.

This attest to their financial capability as an insurance provider and also their good customer care services. The building insurance covers up to £75,000 for alternative accommodation and £5000 for claims linked to trace and access. The contents insurance covers cash up to £1000 and the maximum claim limit for single valuable item is £1500.

Most of the crucial information however can only be accessed by policyholders. The claim process is known to be prompt and efficient, even though claims can only be made via the company’s dedicated claims line.

What does Sunlife 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 Sunlife 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 Sunlife covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Sunlife buildings and contents insurance

Sunlife 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:

Sunlife building insuranceLimits
Maximum sum insured

Up to £1M

Owner liability

£2 000 000

Alternative emergency accomodation

Up to £75 000

Period of home’s unoccupancy cover

90 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

Only stated in policy wording

Gradual build-up of groundwater

Only stated in policy wording

Subsidence

As standard

Underground services

As standard

Keys cover

£500

Flood and storm damage (except for fences)

As standard

Sunlife 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

£50 000

Owner liability

£2 000 000

Alternative emergency accomodation

Up to £20 000

Period of home’s unoccupancy cover

90 days

Damage made by pets

Not covered

Contents kept in garden

£1 000

Contents kept in outbuildings (garage included)

Only stated in policy wording

Thefts from outbuildings

Up to 2000

Single item limit for valuables

£1 500

Items temporarily removed from home

Not Stated

Money in and outside the homeInside:

£1 000


Outside:

Only stated in policy wording

Credit cards in and outside the homeInside:

Only stated in policy wording


Outside:

Only stated in policy wording

Business equipment kept at home

Not Stated

Student equipment

£1 500

Keys cover

£500

Sunlife contents insurance

Sunlife home insurance additional cover

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

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • Up to £1,000 limit per call out
  • Up to £1,750 limit for emergency accommodation
Boiler cover
  • Part of the home emergency optional extra
  • Boiler repair is covered
Legal protection
  • Optional extra
  • Up to £50,000 for legal representation
Personal possessions
  • Optional extra
  • Cover for items away from home up to £2,000
Mobile cover

Not Stated

Bicycle cover

Not Stated

Sunlife 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 claimsOnly stated in policy wording
Excess for escape water claimsOnly stated in policy wording
Excess for subsidence claimsOnly stated in policy wording
Excess for personal possessionsOnly stated in policy wording
Excess for keysOnly stated in policy wording
Sunlife home insurance main excess

Sunlife home insurance fees and NCD

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

Fees applied to manage your Sunlifehouse policy
Interests on payment installmentsNot Stated
To renew my policy£0
To adjust my policyNot Stated
To duplicate documentsNot Stated
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off periodNot Stated
For payment defaultNot Stated
To switch from one insurer to SunlifeNot Stated
Home insurance fees at Sunlife

How much does Sunlife home insurance cost?

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

Building insuranceContents insurance
ExcessOnly stated in policy wordingOnly stated in policy wording
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£164,71£323,18
Home insurance quotes at Sunlife

It is very difficult to give a precise range of how much exactly will your home insurance cost at Sunlife 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.

Sunlife 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.

Sunlife home insurance discounts available

25% discount is given when the comprehensive over 50s home insurance is bought.

How do I a claim on Sunlife home insurance?

Claims can be made via the company’s 24/7 line.

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 Sunlife home insurance?
Claim by phone

0330 018 2058.

How to claim on my home insurance at Sunlife

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

How can I cancel Sunlife house insurance?

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

Cancelling your home insurance at Sunlife
Cancellation notice if Sunlife cancel your policy14 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: Not Stated
Cancel by mail

SunLife
PO Box 1395
Peterborough
PE2 2TR
United Kingdom

Cancel by phone

0800 008 6060

How to cancel my Sunlife home insurance

How to contact Sunlife home insurance?

ServicesPhone numbersOpening hours
Claims

0330 018 2058

24/7

Policy change

0330 018 2059

Monday to Friday 8am to 9pm
Saturday 9am to 5pm
Sunday 10am to 4pm

Sales enquiry

0800 107 0990

Monday to Friday 8am to 9pm
Saturday 9am to 5pm
Sunday 10am to 4pm

SunLife Home Insurance

0330 018 2059

Monday to Friday 8am to 9pm and 9am to 5pm
Saturday 9am to 5pm
Sunday 10am to 4pm

Other Home and contents insurance administered by One Insurance Solution

0800 804 4964

Monday to Friday 9am-6pm
Saturday 9am-1pm

How to contact Sunlife home insurance

Sunlife home insurance contact details

Sunlife contact details
Sunlife address

Sunlife Home Insurance
1 Wythall Green Way
Wythall
Birmingham
B47 6WG,
United Kingdom

Customer service email

[email protected]

Chatbot available

Not available

Sunlife contact details

How do I log in to Sunlife customer portal?

You can login by clicking on the "Your Online Self Service Centre" button on the Homepage of the website and select the "Log in" option.
To access, it, you can follow this link: https://sunlife.insure-systems.co.uk/SelfService/Security/Login/LoginRegister

How do I get Sunlife home insurance quotes? 

To get a quote online at Sunlife, 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 Sunlife 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 Sunlife 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 Sunlife 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.