- Minimum of £1m buildings cover and £75,000 contents cover
- Comprehensive Home Emergency cover included as standard
- No interest on direct debit monthly payments
Together Mutual is a well-respected home insurance provider. It is part of UIA Insurance, which has been providing customers with home insurance policies for over a century.
As a mutual company, Together Insurance has no shareholders to pander to - it is owned by its policy holders.
Overview of insurance cover provided by Together Mutual Home Insurance
Together Mutual offers three types of cover – Buildings Insurance, Contents Insurance and a combination Buildings and Contents policy. Within these categories, you can opt for Premier or Premier Plus.
Depending on which option you go for, Together Mutual’s Premier policies can include:
- Buildings sum insured for £1,000,000
- Contents sum insured for £75,000
- Rent / Alternative accommodation cover for £50,000
- £5,000,000 million Public Liability cover
- £5,000 Trace and Access cover
- A £100 Excess applies
Premier Plus policies include:
- Buildings sum insured - unlimited
- Contents sum insured - £150,000
- Rent/Alternative accommodation cover up to £50,000
- £5,000,000 million public liability cover
- £7,500 Trace and Access cover
- No Excess applies
- Accidental Damage Cover
- Annual European Travel Cover
Home Emergency cover is included as standard in all policies and we found it compares well to home emergency policies that cost more than £200 on their own.
All customers have access to a 24 hour UK-based claim line and legal helpline.
Personal Possessions cover is available as an optional extra. You can cover your property away from home (including abroad) and add cover for bicycles.
How much does home insurance with Together Mutual cost?
Home Insurance premiums are affected by many different factors, such as the type and level of cover you choose, your postcode, the value of your contents and whether you opt to take out optional extra cover.
However, to keep their cover affordable, Together Mutual charge no interest on monthly direct debit payments. If you take out combined Buildings and Contents Insurance, you will get a 10% discount.
Together Mutual will also pay up to £50 towards your switching costs when you switch your insurance to them (for example, covering a potential administration charge that another insurer might charge you for cancelling an existing policy).
What do Together Mutual Insurance reviews from customer say?
Together Mutual scores 8.4 out of 10 from 22 reviews on TrustPilot.
Together Mutual’s parent company UIA Insurance scores 9.1 out of 10 from 200 reviews on TrusPilot, giving it a rating of Excellent.
What do Together Mutual Insurance reviews by the experts say?
Independent financial researcher Defaqto has rated both Together Mutual’s Premier Cover and Premier Plus Cover policies as 5 Star.
A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.
A 5 Star rated policy “has a comprehensive range of features and benefits”.