In the event of a non fault accident, call us on:  028 9048 4484


Retrieve a Quote

Everytime you complete a quote on our website, we save your quotes in your secure online account. All quotes are valid for 30 days and you can go back to them and buy a policy at any time during this period. You can even amend your details to generate new quotes if you want to make a change. After the 30 days is over you can still view the quotes for reference purposes although the prices will not be valid any more.


Why choose MIS
Household Insurance

  • Northern Ireland based claims service
  • 24 hour emergency helpline
  • Family Legal Expenses & Identity Theft as standard
  • Home Start Breakdown Cover

Great value buildings and contents insurance for your clients

The MIS Household contract is a value for money policy based on the number of bedrooms in your customers' property. It automatically provides cover against financial loss in the event a specified peril occurs to their buildings and contents with accidental damage available as an option.

Key Benefits

Building sum insured £500,000
Contents sum insured £50,000
Valuables 20% of the contents sum insured - single article limit £1,000
Family Legal Expenses Consumer disputes, Personal injury, Home rights
Identity Theft Safeguarding their identity and covering reasonable legal expenses
Home Start Breakdown Cover Breakdown assistance at their home
Optional Benefits Accidental Damage cover for buildings and contents, specified and unspecified valuables.

Household Cover Assumptions

The property is

  • in an area free from flooding and is not within 500 metres of any property or development, which has flooded or located at least 100 metres from, any river, seafront, estuary or watercourse.
  • an area free from subsidence and is not within 200 metres of any property or development, which has been subject to subsidence.
  • maintained in a good state of repair, built after 1919 and not under construction, renovation, restoration or extension.
  • of standard construction and if it has a flat roof it is no more than 75% of the total roof area covered.
  • protected by a mortise deadlock or deadlocking rim latches and all French doors, patio doors and accessible windows are fitted with appropriate security locks.
  • occupied solely by your client or their family as the principle residence, for residential purposes only and not used for business.
  • not left unoccupied for more than 30 consecutive days at any one time.

Your client or any family member has:

  • not suffered any loss or claim during the last 2 years from any of the events they wish to insure whether insured or not (only that disclosed on the quotation).
  • ever had a proposal for insurance declined, renewal refused, cover terminated or special term or conditions imposed by any insurer.
  • ever been convicted of, or have any prosecution pending for any criminal offence (other than minor driver offences).

About the cover:

  • They accept that this is a Bedrooms Rated Policy and the buildings/contents sum insured are fixed.
  • They accept the most we will pay for valuables located within the home is 20% of the contents sum insured.
  • They accept that the most we will pay for any single article value is £1,000
  • They accept that you do not require cover for pedal cycles.

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