Endsleigh was founded in 1965 by the National Union of Students (NUS) to negotiate preferential insurance rates for students. Since then, the company has grown to offer a range of insurance products, including car, travel, gadget and home cover, to students, graduates, young professionals and older customers alike.
Authorised and regulated by the Financial Conduct Authority, Endsleigh is the only insurance provider recommended by the NUS.
Overview of cover provided by Endsleigh home insurance
Endsleigh provides a range of home insurance products, including building and contents cover, landlord insurance, unoccupied home insurance, subsidence home insurance and holiday home insurance.
Buildings cover offer insurance for fixtures and fittings, £10,000 worth of liability cover, personal liability cover, fire and smoke damage, theft and malicious damage, flooding, subsidence, vehicle impact, accidental damage to windows and sanitary ware, accidental damage to pipes and cables and alternative accommodation if the property becomes uninhabitable. The exact sums payable will depend on the level of insurance you choose. You can also purchase legal cover and ‘home emergency’ cover as optional extras.
Contents insurance protects your belongings from damage, fire and theft, with an option for accidental damage. Endsleigh offers new for old replacement if you make a claim, and allows you to build up a no claims bonus to help keep costs down. Customers can purchase additional gadget insurance, too, which protects against theft, accidental damage and cracked screens, and new-for-old replacement within 24 hours of claiming.
Specialist student-only contents insurance is what Endsleigh are perhaps best-known for. It offers accidental damage for TV, DVD players and stereo equipment as standard, plus 24-hour phone and laptop replacement and guaranteed repairs when using an approved repairer.
Endsleigh also have a ‘possessions’ insurance policy which intends to give you flexible cover if you would prefer to ensure just your high-value items (like gadgets, pedal bikes, musical instruments, jewellery or bags. They have a modular approach on their site that allow you to tick the covers you want. This may provide a cheaper route to insurance if you only really want one or two items covered.
Landlord insurance from Endsleigh is particularly comprehensive, offering automatic cover for fixtures and fittings, up to £5,000 for escape of water repairs and up to £25,000 for malicious damage by tenants and guests. Optional extras include legal advice cover, home emergency cover and contents cover for items supplied to the tenant.
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How much does Endsleigh home insurance cost?
The cost of Endsleigh home insurance will depend on a variety of factors, including your address, the sum you wish to insure, whether you want buildings or contents cover – or both – and your student status.
Endsleigh is a student-facing brand that aims to provide solid cover at a reasonable price, with the cheapest quotes applicable to those in full or part-time study. However, those outside of the education system will still benefit from low prices.
In fact, Endsleigh aims to continue providing competitive cover to students as they leave full-time education and enter work. As a result, their products can also be competitive for fresh graduates or young professionals.
What do Endsleigh home insurance reviews by customers say?
On SmartMoneyPeople.com, Endsleigh home insurance has a rating of 3.6 out of 5.
On reviewcentre.com, the company has 1.2 stars out of 5 for its home insurance.
Which? gives them a customer service score of 52%.
What do Endsleigh home insurance reviews from the experts say?
According to Which? Endsleigh’s contents cover scores 41% and its building cover scores 50%, putting the company in 33th place on its list of 34 top providers. Only one of Endsleigh's policies has been rated by Defaqto and it has 1 Star (signifying a product with "a low level of cover") for contents and 2 Stars (signifying a product with "a below average level of cover") for buildings.