Fnet - Home insurance

Welcome to FNet

We support Veterans' Charities by generating funds through the provision of Home Insurance

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About FNet

Who We Are and What We Do

FNet was created with a clear mission: to support veterans' charities by generating funds through the provision of home insurance.

Our aim to give back to a community that has given so much for the safety and protection of others.

To achieve this, our industry experts have created a comprehensive home insurance product that will keep your home and belongings protected.

And for every home insurance policy sold, 5% of the premium will be donated to a veterans' charities.

And to further demonstrate our support for the Armed Forces Community, we are proud to have signed up to the Armed Forces Covenant.

FNet is a trading name of Integra Insurance Solutions, a leading specialist insurer in Home Insurance within the UK.

Why use FNet

Home insurance cover that genuinely makes a difference and directly gives back to the veterans' community, with 5% of all premiums donated to veterans' charity.
Insurance cover provided by genuine experts, with long-standing pedigree in the home insurance market.
Comprehensive home insurance cover for both buildings and contents, for 1-5 bedroom houses in the UK.
Cover for personal items anywhere in the UK, with worldwide cover up to 60 days.
In-house claims handlers provide a high level of customer service from receipt of claim through to settlement.
Online 24/7 claims portal means that claims can be logged easily at your earliest convenience.
24 hour helpline services provide you with easy access to guidance to deal with all kinds of events and emergencies. These include legal advice, health and medical information, counselling and much more.

The FNet offering is still in development - we are constantly looking at ways we can refine our service to give you the best possible customer experience and ensure that we are contributing to the veterans' community in the right way.

We are also actively reviewing data and our quotability to make our product available to more households, so if you can't get a quote with us at this time you may be able to in the future.

Thank you for using FNet, if you have any feedback at all, please email home@f-net.co.uk

Making it easy to get a Home Insurance Quote

Our new Home Insurance products are built on a modern, user-friendly platform, allowing you to receive a selection of quotes in just minutes.

We offer four levels of coverage—Bronze, Silver, Gold, and Diamond—each customisable to suit your specific needs.

Who is Eligible?

Veterans, the serving community as well as your friends, family, colleagues, and anyone else who would like to support this initiative.

Get a Quote

My Home Insurance is due within the next 30 days

If your Home Insurance is due within the next 30 days, simply click the 'Get a Quote' button to get your quotes. If you like the quote and choose to purchase your insurance through us, we'll donate a portion of the premium to a veterans' charities.

My Home Insurance is not due yet

If your Home Insurance isn't due yet, but you'd like to stay informed, click the 'Remind Me Later' button. Just leave your name, email address, and the date your insurance is due, and we'll send you a reminder closer to the time.

Get a Quote Remind me later

Our Work in the Armed Forces Community

As a show of our commitment to the veterans community, we are proud to have signed up to the Armed Forces Covenant demonstrating our support to all individuals serving the Armed Forces and their families

Bagpipes in for the 80th Anniversary of D-Day

June 6, 2024 Normandy, France

FNet supported an incredibly special and unique event on the 80th anniversary of D-Day. We provided a bespoke set of bagpipes to 21-year-old Alex Smith. Following in the footsteps of Piper Bill Millin 80 years earlier, Alex played the pipes off a Royal Marine landing craft coming ashore on Sword Beach. After playing Road to the Isles and Highland Laddie on the sands, Alex followed the Commando Route 10km to Pegasus Bridge where he crossed playing Blue Bonnets. In the evening, Alex played a sunset ceremony as beacons were lit to mark the end of the longest day.

The Rawthey Project

£250 Donated Sedbergh

FNet were delighted to recently donate £250 to The Rawthey Project. Based in Sedbergh, the Rawthey Project was established for the benefit of the community and in particular the Armed Forces, Emergency Services, and NHS communities. It aims to support the most disadvantaged and vulnerable in these communities through connecting them with volunteers who will assist in times of need, with help from specialist clinical and social care teams.

The Veterans Hub Weymouth

£250 Donated Weymouth

FNet are proud to be able to support our friends at the Veterans Hub in Weymouth. We recently donated £250 to the organisation, which is a community project that was set up with the intent of providing a safe and secure location for veterans and their families to come together in an environment that would enable them to socialise in a non-clinical setting in order to provide peer-to-peer support for each other.

Honouring Heritage and Legacy

At FNet, our mission goes beyond providing reliable home insurance. We are deeply committed to honouring the men and women who have served in the armed forces, preserving their legacy, and giving back to the veterans' community through charitable contributions.

Carrying on Tradition

Throughout history, veterans have played a critical role in safeguarding our freedoms. Their stories remind us of the values we hold dear: honour, service, and commitment to others. By supporting veterans' charities through every home insurance policy sold, we are doing our part to carry this legacy forward.

With each policy, a portion of the premium is donated directly to veterans' charities, ensuring that the community that has given so much continues to receive the support and recognition it deserves. This partnership allows us to help protect your home whilst honouring those who have protected our country.

By choosing FNet, you're making a conscious decision to help the veteran community, while ensuring that the traditions of bravery, sacrifice, and service continue to be honoured and respected across the UK.

What Type of Home Insurance cover do I need?

Combined insurance

Offers both buildings and contents coverage in a single policy. This is the most popular form of home insurance as it offers maximum and comprehensive cover for your home and its belongings. It also means that, should something happen to both your building and its contents, it will be dealt with in one single claim, instead of two separate ones.

Contents insurance

Contents insurance covers the belongings inside your home, such as furniture, electronics, and home office equipment—basically, anything you'd take with you if you moved. This policy protects these items from theft, vandalism, fire, and water damage. You can customise your coverage with optional extras to suit your needs.

Buildings insurance

If you need buildings insurance only, we have you covered. Our buildings insurance policy protects the structure of your home, including walls, windows, and permanent fixtures like kitchens and bathrooms. It also extends to outbuildings such as garages (provided they are situated within the boundaries of the risk address shown in the Summary of Cover), as well as any drains and pipes you're responsible for.

How can I get a quote?

To get a Home Insurance quote, you'll need to provide some key information. We use this information to assess the insurance risk and provide you with a price accordingly.

Personal details

Information such as your name, date of birth, and any home insurance claims made in the past five years.

Property details

Information about your home, such as its postcode, ownership status, whether you live there full-time, the year it was built and the materials used for the walls and roof. You'll also need to confirm if your home has ever experienced flooding.

Belongings

A list of your contents, including valuables like jewellery, watches, and items worth over £2,000, plus other personal possessions, bicycles/pedal cycles, and any special collections.

Policy preferences

The amount you're willing to pay as an excess on claims and any optional add-ons you'd like.

What effects the cost of my home insurance?

The higher the risk of loss or damage to your home and belongings, the more expensive your insurance quote is likely to be.

Your premium is influenced by various factors related to you, your home, and the value of your possessions.

Location & Proximity to Water

Such as living in a city with a higher crime rate or a rural spot exposed to harsh weather can all increase your insurance costs.

Homes near rivers or coastlines also often have a higher insurance cost due to the increased risk of flooding.

House Size & Value of Belongings

If your home is large, the cost to rebuild it may raise the building portion of your quote.

Along with this, the more valuable your possessions, the higher the cost to insure them.

Age, Construction of Your Property and Roof Materials

The age of your home and the materials used in its construction significantly impact your quote.

For example, older properties are often more expensive to repair then new-build properties.

Lifestyle Factors

Factors such as your credit score, occupation and how often you're away from home can affect your insurance quote.

Previous Claims

Even if you've moved to a new home, your past claims history is still considered. Failing to disclose this information could invalidate your policy.

Additional Coverage Options

Explore optional add-ons like accidental damage cover, family legal expenses, key protection and home emergency assistance to enhance your policy and ensure comprehensive protection for your home.

Cover Comparison

Buildings Insurance	Bronze	Silver	Gold	Diamond
Buildings Cover	£500,000	£1,000,000	£1,000,000	£1,000,000
Buildings Excess	£100	£100	£100	£100
Buildings Accidental Damage Cover	Not Included	Not Included	Not Included	Included
Buildings Alternative Accommodation cover	£100,000	£200,000	£200,000	£200,000
Subsidence excess	£1,000	£1,000	£1,000	£1,000
Escape of Water Excess	£350	£350	£350	£350
Compulsory evacuation	Up to £250 per 24-hour period for a maximum of 7 days	Up to £250 per 24-hour period for a maximum of 7 days	Up to £250 per 24-hour period for a maximum of 7 days	Up to £250 per 24-hour period for a maximum of 7 days
Trees, plants & shrubs	Up to £1,000 for any one claim, with a limit of £100 per item	Up to £1,000 for any one claim, with a limit of £100 per item	Up to £1,000 for any one claim, with a limit of £100 per item	Up to £1,000 for any one claim, with a limit of £100 per item

Contents Insurance	Bronze	Silver	Gold	Diamond
Contents Cover	£50,000	£75,000	£100,000	£125,000
Contents Excess	£100	£100	£100	£100
Accidental Damage Cover	Not Included	Not Included	Not Included	Included
Maximum Valuables limit	£15,000	£22,500	£30,000	£37,500
Maximum cover per valuable	£5,000	£7,500	£10,000	£12,500
Alternative Accommodation	£10,000	£15,000	£20,000	£25,000
Escape of Water Excess	£350	£350	£350	£350
Max. cover for Personal Possessions	£7,500	£10,000	£12,500	£15,000
Maximum cover per item	£5,000	£7,500	£10,000	£12,500

More Information

Coverage	Bronze	Silver	Gold	Diamond
Mobile Phones (Within the home)	Up to contents Sum Insured for a single laptop and total limit for Mobile phones	Up to contents Sum Insured for a single laptop and total limit for Mobile phones	Up to contents Sum Insured for a single laptop and total limit for Mobile phones	Up to contents Sum Insured for a single laptop and total limit for Mobile phones
Mobile Phones (Away from home)	Single Mobile phone £2,000. Total limit up to £5,000 - must be for personal use	Single Mobile phone £2,000. Total limit up to £5,000 - must be for personal use	Single Mobile phone £2,000. Total limit up to £5,000 - must be for personal use	Single Mobile phone £2,000. Total limit up to £5,000 - must be for personal use
Personal money (Within the home)	Up to £1,000	Up to £1,000	Up to £1,000	Up to £1,000
Personal money (Away from home)	Up to £1,000	Up to £1,000	Up to £1,000	Up to £1,000
Personal Credit Cards (Within the home)	No cover	No cover	No cover	No cover
Personal Credit Cards (Away from home)	Up to £1,000	Up to £1,000	Up to £1,000	Up to £1,000
Laptops (Within the home)	Up to contents Sum Insured for a single laptop and total limit for laptops	Up to contents Sum Insured for a single laptop and total limit for laptops	Up to contents Sum Insured for a single laptop and total limit for laptops	Up to contents Sum Insured for a single laptop and total limit for laptops
Laptops (Away from home)	Single laptop £2,000. Total limit up to £5,000 - must be for personal use	Single laptop £2,000. Total limit up to £5,000 - must be for personal use	Single laptop £2,000. Total limit up to £5,000 - must be for personal use	Single laptop £2,000. Total limit up to £5,000 - must be for personal use
Business Equipment	Up to £5,000 each claim	Up to £5,000 each claim	Up to £5,000 each claim	Up to £5,000 each claim
Frozen Food	Up to £1,000 each claim	Up to £1,000 each claim	Up to £1,000 each claim	Up to £1,000 each claim
Visitors Items	Up to £500 each claim	Up to £500 each claim	Up to £500 each claim	Up to £500 each claim
Shopping in transit	Up to £500 each claim	Up to £500 each claim	Up to £500 each claim	Up to £500 each claim
Student cover	Up to £2,500 each claim. Maximum amount per item £750	Up to £2,500 each claim. Maximum amount per item £750	Up to £2,500 each claim. Maximum amount per item £750	Up to £2,500 each claim. Maximum amount per item £750
Digital information	Up to £500 each claim with a maximum of £1,000 in a year	Up to £500 each claim with a maximum of £1,000 in a year	Up to £500 each claim with a maximum of £1,000 in a year	Up to £500 each claim with a maximum of £1,000 in a year
Jury service	Up to £50 per day for up to a maximum of 20	Up to £50 per day for up to a maximum of 20	Up to £50 per day for up to a maximum of 20	Up to £50 per day for up to a maximum of 20
Title deeds	Up to £2,500	Up to £2,500	Up to £2,500	Up to £2,500
Contents in the open	Up to £1,000 each claim	Up to £1,000 each claim	Up to £1,000 each claim	Up to £1,000 each claim

Frequently Asked Questions

How much should I insure my Contents for?

This should be sufficient to cover the cost of replacing as new all of your possessions. You should include furniture, carpets, curtains, and all your valuable items, such as jewellery and works of art. You do not need to include any items classed as fixtures and fittings, such as bathroom suites and fitted kitchens.

What do you mean by 'how many continuous years have you had home insurance?'

We are referring to the number of years you have held home insurance without a break in cover for more than 30 days.

Why isn't my postcode or my house number/name listed?

If you are unable to locate your postcode, house number or house name when doing an address search, this unfortunately means that we are currently unable to offer you a quotation.

What is a business visitor?

Any person that comes to your home, or within the boundaries of your home, in association with any business connected to you or anyone living in your home.

What is business stock?

Business stock is any goods or products that are sold or used in association with any business connected to you or anyone living in your home.

What is a cancelled or voided policy?

A cancelled policy is a policy which has been cancelled by a previous insurance company.
If a policy is voided, the insurer considers the policy invalid from the inception date. This effectively means there has never been any cover in place.

What is meant by flooding from an external source?

Water that enters your property from outside your home, such as a blocked drain, a watercourse, or surface water run-off due to heavy rain.

What outbuildings are covered by the home insurance and are there any exclusions?

The following outbuildings are covered:

Detached garages, greenhouses, sheds, summerhouses, or any permanent brick-built constructions with a slate or tile roof, which do not form part of the main living accommodation and are used for private and domestic purposes only.

Outbuildings do not include structures:

that are used in connection with a business or profession other than for clerical business use;
which are made of canvas, PVC, or any other non-rigid material;
which are not constructed on a base;
that are lived in or have previously been lived in;
that are used as stables or agricultural buildings;
that are not fully enclosed, e.g. carports;
that contain an integral real flame fire and/or integral barbecue;
that are constructed in full or in part with asbestos;
that are annexes.

How long do home insurance claims stay on record?

Dependent upon the insurer, you would normally be required to disclose home insurance claims for up to 5 years.

What is a valuable item?

Our definition of a valuable item is:

Any article composed of precious metals or incorporating precious stones, jewellery, watches, works of art, antiques, curios, collections of stamps, coins, or medals, the value of which does not exceed £2,000 unless specifically shown in the schedule.

What is accidental damage?

Our definition of accidental damage is:

An identifiable incident of unexpected and unintended damage caused by sudden and external means but not through wear and tear, breakdown, or malfunction.

Am I covered for accidental damage?

Within all our home products, there is an element of standard accidental damage cover, which is detailed in your Policy Wording.

Additional accidental damage cover is available on all our products and is included as standard on our Diamond product for both buildings and contents cover.

Is my mobile phone covered?

Your mobile phone will be automatically covered in the home if you have selected contents insurance.

It will also be automatically covered away from the home under the personal possessions section for a maximum of £2,000.

Is my bicycle covered by home insurance?

If you have selected Contents cover, your bicycles/pedal cycles will automatically be covered within or away from the home up to a total of £1,000 with a maximum of £500 per bicycle/pedal cycle.

You also have the option to increase your overall level of cover, or to specify individual bicycles/pedal cycles above £500 if required.

Am I still covered if I leave my home unoccupied whilst on a holiday?

We allow full cover on our policies up to 30 consecutive days of unoccupancy. If your holiday is going to exceed 30 consecutive days, then we ask that you call our office.

Does the home insurance cover my children's belongings while they're at university?

If you have selected contents cover, this will automatically be provided. Please refer to the Policy Wording for full details as certain restrictions apply.

Are my personal items covered outside of my home?

If you have selected contents cover, personal possessions cover is automatically provided for all of our products up to the following limits:

Bronze: £7,500
Silver: £10,000
Gold: £12,500
Diamond: £15,000

To cover any individual items over £2,000, you must specify these separately.

What is personal possessions cover?

It is cover for items that you want to take out and about, such as clothing, jewellery, wallets, purses and handbags, binoculars, sports equipment, musical instruments, photographic equipment, and other articles normally worn or carried. Please refer to the Policy Wording for full details as certain restrictions apply.

Does home insurance cover my boiler?

Home insurance does not cover your boiler if it breaks down.

Can I claim for damage caused by fallen trees and branches?

If you have selected Buildings cover then this is automatically included.

Does Home Insurance cover rising damp?

Rising damp is classed as a gradually operating cause and is excluded from policy cover.

Do I need home insurance if I'm in a rented property?

As you are not the owner of the property then you only need to insure your contents. It is the responsibility of the owner of the property to arrange insurance cover for the buildings.

Contents insurance is not compulsory and it is down to the individual if they want to take out this cover.

How do I make a change to my cover?

Please contact us via email at home@f-net.co.uk or call 01274 700 745 and our team will be happy to help.

How do I cancel my insurance policy?

Please contact us via email at home@f-net.co.uk or call 01274 700 745 and our team will be happy to help.

Will my policy automatically renew?

Your policy will not be automatically renewed.

How do I renew my insurance policy?

We will normally issue your renewal invitation around 21 days before your policy expires. As we do not automatically renew your policy, it is your responsibility to either contact us to renew or find alternative insurance cover.

To renew your policy, simply log onto the customer portal to accept the renewal. If you're unable to access the customer portal you can renew your policy via email at home@f-net.co.uk or call 01274 700 745.

If we are unable to offer you any renewal terms, we will notify you accordingly.

What is matching items cover and do you provide this cover?

Matching items cover enables you to claim for undamaged items if a part of a set is damaged and we can't find a replacement. Unfortunately, we do not provide this cover.

Can I pay monthly for my cover?

Unfortunately you cannot currently pay for your cover monthly. Please check back in the future as we look to provide this service.

What is an excess?

An excess is the amount you will contribute towards a claim. This will normally be deducted from any settlement to you.

For example, if you make a claim for £1,000 and your excess is £100, you will receive £900.

How do I know which excess applies to my claim?

The excess required in the event of a claim is detailed within your Summary of Cover. This excess may differ depending on the type of claim.

Is it worth me making a claim?

That would be down to you to make that decision.

You need to consider that there is a policy excess to pay and that making a claim would possibly increase the premium at your next renewal.

How does the claims process work?

The quickest way to register your claim at any time is via our online portal

You can upload details to support your claim including photo images or videos as part of this simple process.

Alternatively, you can call 01274 700 810 and speak to one of our experienced claims handlers who will guide you through the claims process.

The claims process is administered by Integra Insurance Solutions, who are responsible for settling any losses you may have incurred.

If you need to make a claim, it will be handled by Integra's dedicated team of claims handlers.

As part of our commitment to giving you the best service possible, Integra may also engage one or more suppliers who are specialists in their field, to assist you with the validation and management of your claim.

If I host refugees, will it affect my home insurance?

We follow the guidance from the Association of British Insurers (ABI).

You don't need to let us know if you are temporarily housing refugees, we would treat them as a member of your household. You do however need to let us know if any refugees are staying with you for a period of more than 12 months.

What happens if I move house?

If you move house please inform us via email at home@f-net.co.uk or call 01274 700 745 and our team will be happy to help.

If we are unable to offer insurance at your new address, then unfortunately we will no longer be able to continue cover.

Do I need to have a smoke and heat detector installed in my property?

This is not a requirement of our policy but for health & safety reasons it is good practice to do so.

Contact Us

Address

Suite 2B | West Village | 114 Wellington Street | Leeds | LS1 1BA

Call Us

01274 700 745

Email Us

home@f-net.co.uk