If you’ve gone out of your way to make your home ‘eco friendly’, from fitting the best possible insulation to installing solar panels, it makes sense to ensure that your insurance provider agrees with your ethics.
It’s not always easy to understand how ethical an insurance provider is, but here are some policies you could consider, including those that have a specific focus on ‘eco homes’.
With 10 per cent of the premium you pay going towards environmental projects and discounts for energy efficiency, Naturesave certainly wears its eco credentials on its sleeve. It also provides cover for all types of buildings, including self-build and eco homes, which is useful if you have a non-standard property. Renewable energy systems are covered as standard.
A French insurance group that entered the UK market several years ago tops the Ethical Consumer scorecard for home insurance, with a score of 12.5. The company has a robust ethical policy for its own business and partners, but no particular discounts for eco-homes or renewable energy systems.
Named the joint most ethical insurer (with Naturesave) by the Good Shopping Guide, three years running, 10 per cent of most ETA insurance premiums help to support a campaign for sustainable transport through the ETA trust. The company. Thought its major focus is on transport insurance (including cycling) it also offers home policies.
Not to be confused with the Co-operative Bank, Co-op Insurance is part of Co-op Group, one of the world’s largest consumer co-ops, owned by millions of members.
The group has a robust ethical policy, and a transparent pricing policy – there’s an interesting infographic here (http://www.co-opinsurance.co.uk/home-insurance-explained) and is currently offering a free indoor security camera if you buy home insurance, and 20 per cent off if you buy online.
The world’s first carbon-neutral insurance broker can fix you up with a specialist home insurance facility to accommodate non-standard construction, self-build projects and properties being converted or requiring restoration, including eco homes. It offers discounts of up to 10 per cent for energy efficiency – the higher the standard, the greater the discount.
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