Buzzvault insurance is a hyper-personalised home insurance product based round a secure digital inventory – the buzzvault

Your buzzvault enables you to digitally catalogue and securely store details of your possessions. It is accessible via your buzzvault app. Your buzzvault is free to use and update.

buzzvault unlocks our intelligent insurance product, tailored to your unique needs. If you should need to claim, your buzzvault can also enable a quicker and smarter process.

By keeping the buzzvault complete and up-to-date, you can also know you are covered for the right things.

Access your buzzvault via the buzzvault app. You can choose to add items individually any time. To create a fast and easy buzzvault, let us do the work through a simple video call – which takes an average of less than 15 minutes and doesn’t cost you anything extra.

Once you have items in your vault, you can add receipts or other details to create a complete record. You can remove or add further items any time.

If you are a buzzvault insurance customer, when you add or remove items from the vault, you will be asked if you would also like to update your insurance.

Home insurance protects you against unexpected and unintended events that damage your home and things.

Buildings cover protects the physical property and fittings, while Contents insurance protects the things in your Buzzvault.

You can buy Buildings cover, Contents cover or both. The right cover for your depends on your own circumstances.

What is insured?

Covers the home and permanent fixtures and fittings, such as fitted kitchens and bathrooms

We will provide cover for damage to the buildings caused by any of the following:

  • Theft, attempted theft and vandalism.
  • Fire and explosion.
  • Natural weather events and disasters
  • Water leaks and burst pipes
  • Subsidence
  • Foreign objects falling on or damaging your property
  • And more – full details will be in your Policy Document

What is not covered

  • Excesses – this is the part of a claim you have to pay.
  • Wear and tear / damage that happens gradually
  • Damage caused by faulty or unsuitable materials, design or poor workmanship.
  • If your home is left unoccupied for more than 60 days, you won’t have the same level of insurance cover in some cases. Check your policy wording if this applies.
  • You won’t be covered for malicious damage caused by guests or by paying tenants.
  • Full details will be in your Policy Document

What we will pay

The most we will pay for loss or damage arising out of one incident is the buildings sum insured shown on your schedule.

If we accept a claim under Buildings we will also pay for:

  • Reasonable and relevant professional fees (eg Architect and surveyors) and necessary regulatory fees (eg building regulations).
  • The cost of alternative accommodation where necessary

What we will not pay

  • Fees for preparing a claim
  • Costs you are legally responsible for paying because of a notice served on you before the date of the loss or damage
  • Any reduction in the market value of the home as a result of an insurable event.

What is insured?

Contents cover protects those buzzvault items you keep in the home and you use to furnish the home.

Contents in the home

We will cover loss of or damage to contents in the home caused by:

  • Theft, attempted theft and vandalism.
  • Fire and explosion.
  • Natural weather events and disasters
  • Water leaks and burst pipes
  • And more – full details will be in your Policy Document

What is not covered

  • Excesses – this is the part of a claim you have to pay.
  • Wear and tear / damage that happens gradually
  • Damage caused by mechanical breakdown, faulty or unsuitable materials, design or poor workmanship.
  • If your home is left unoccupied for more than 60 days, you won’t have the same level of insurance cover in some cases. Check your policy wording if this applies.
  • You won’t be covered for malicious damage caused by guests or by paying tenants.
  • Full details will be in your Policy Document

Where am I covered?

Contents covers your Vault items while they are on your property.

If you purchase Away From Home cover, vault items are covered outside your property too.

Claims can be settled by replacing, repairing or payment.

Replacement will be either on a like-for-like basis, or based on the nearest equivalent available in the current market.

If we can repair or replace property but agree to make a cash or voucher settlement we will pay you what it would cost us to repair or replace it.

  • You should report claims to us as quickly as possible
  • Tell us about changes that may affect your cover (like a change of address)
  • Keep your buzzvault updated – your coverage is based on what is in your buzzvault

Payment is online and in full when you purchase the policy.

You are covered for one year from your policy start date.

Before you continue, there are a few important things you should know about buzzvault, and the insurance products we offer.

Please click here to view our Insurance Product Information Document (IPID) for a summary of the key features of the policy you are about to purchase.

This document is not a contract, and you should read the policy document and other contractual documentation before deciding whether to purchase insurance with us.

Who we are

buzzvault Limited is a company registered in England and Wales (company registration number 10961333. Our registered office is at Archer Street Studios, 10-11 Archer Street, London, W1D 7AZ.

We are an insurance intermediary regulated by the UK’s Financial Conduct Authority (FCA) and our details can be found on the FCA Register at https://register.fca.org.uk/

How we get paid

buzzvault is an insurance broker, not an insurer. We receive a commission from our insurance partner, Munich Re, which is a proportion of the insurance premium you pay.

Who we work with

We exclusively work with our insurance partner, Great Lakes Insurance SE, FCA Registration Number 769884, who will act as the insurer under any policy you purchase through us.

We do not act as your agent but act on behalf of the insurer we work with.

What we tell you

We don’t give advice on insurance, so we can’t say whether the policy you are about to purchase is suitable for you.

All the content we provide to you is for information purposes only, to ensure you can make an informed decision on whether to purchase an insurance policy through us.

Your demands and needs

If you are purchasing home contents insurance only, your demands and needs should be those of someone who wishes to protect themselves against loss caused by fire, floods, or theft affecting the contents of your home.

If you are purchasing home insurance and home contents insurance together, your demands and needs should be those of someone who wishes to protect against loss caused by damage or destruction to your home, and to protect against loss caused by fire, floods or theft affecting the contents of your home.

How you can make a complaint

We take our responsibilities to you very seriously and if you’re unhappy about something or something’s not working as it should, we want to hear about it.

You can make a complaint at any time by calling 0203 3184408, emailing hello@gobuzzvault.com, or writing to buzzvault insurance, Archer Street Studios, 10-11 Archer Street, London, W1D 7AZ. Our telephone lines are open Monday-Friday, 9-5pm.

Please read our Complaints Policy here for further information, and don’t hesitate to contact us if you have any questions.

If you’re unhappy about how we’ve handled your complaint, you may be eligible to complain to the Financial Ombudsman Service. You can contact the Ombudsman on 0800 023 4567 or by visiting this page.

The law which applies

All contracts between you and buzzvault will be governed by the laws of England and Wales, unless we separately agree otherwise with you.

Cancelling your policy

You have the right to cancel your insurance policy at any time, by phoning buzzvault on 0203 318 4408.

Any return premium due to you will depend on how long the insurance has been in force, and whether you have made a claim on the policy.

Please see the “Cancellation” section of your insurance policy for more details.

You can view the IPID here. If you also need this document in any other format, or a paper copy mailed to you, please just get in contact and we will be happy to help.