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Home Insurance

If you’re struggling to make your home insurance payments due to coronavirus, our insurance provider, Aviva, may be able to help. Please visit our financial support page to find out how you can defer your monthly payments and stay covered.

Buildings and Contents Insurance

Protecting your home inside and out.

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Contents Insurance

Covers up to £50,000 as standard, which can be increased.

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Buildings Insurance

Unlimited buildings cover for emergencies such as storm damage, fire and escape of water.

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£50 eGift Card!

£50 eGift Card with Buildings and Contents cover. £25 eGift Card with Contents Only and Buildings Only cover.

Offer ends 31st July 2021. Terms and conditions apply.*

Get a quote

Why choose first direct for cover?

  • Have the confidence of knowing that should something go wrong, our award winning claims team will be on hand 24 hours a day – every day
  • Choose the cover that’s right for you with ‘Optional Extras
  • Up to £50 eGift Card on Home Insurance cover*

first direct Home Insurance provided by Aviva Insurance Limited

defaqto expert rated 2021 five stars Home Insurance

What home insurance cover do you need?


Optional Extras


Certain limitations may apply to your policy.

For example:

– the excess (the amount you have to pay on any claim)

– monetary limits for certain covers

– clauses that exclude certain types of loss or damage

Please make sure you read the first direct Home Insurance Product Information Document before getting a quote or applying. You'll find full details in our Policy Booklet.

Already got cover?

Why wait to insure with first direct. Switch to us today and we will refund the cost of any cancellation fee that your previous insurer charges you for cancelling your existing policy with them. Subject to Terms and Conditions. Get your refund application form here.

Get a quote

Are you eligible?

Please ensure you can answer YES to the following questions:

Are you over the age of 16?

Are you are resident in the UK?*

Is your property in the UK?*

*Excluding Channel Islands and Isle of Man

*Home Insurance £50/£25 eGift Card offer Terms and Conditions

Customers who purchase a new first direct Home Insurance policy on or after 07 May 2021 and before 31 July 2021 via the first direct website or telephone channel will receive either:

·         £50 eGift Card for a new combined buildings and contents policy; or

·         £25 eGift Card for a new buildings or contents only policy.

Each eligible customer will be entitled to choose from one of the following: a) Argos eGift card; b) B&Q eGift Card; or c) Just Eat eGift Card. Each eGift Card is subject to their own terms and conditions detailed below.

The main policyholder will receive an email within 60 days of the policy start date with a link to choose which eGift Card they would prefer. This email will be sent to the email address provided when purchasing the first direct Home Insurance Policy.

The eGift Card must be chosen via the link in the email within 60 days of it being sent, after which the web page will expire. The expiry date will also be confirmed in the email sent to you.

Once chosen, eGift Cards will be sent via e-mail within 30 days.

eGift Card Eligibility

·         eGift Cards will not be issued if your policy has lapsed, been cancelled or terminated within 60 days of the policy start date.

·         eGift Cards are available to new customers only. eGift Cards are not available to customers amending or renewing their existing first direct Home Insurance policy.

·         eGift Cards are only available to customers who purchase their policy via the first direct website or its telephone channel and is not available to customers buying from a price comparison, affiliate or cashback website or anywhere else.

·         The offer of an eGift Card is limited to one per first direct Home Insurance policy.

·         eGift Cards are available to UK customers only. Not available to customers from the Isle of Man and Channel Islands.


first direct reserve the right to withdraw or replace this offer with suitable alternatives at any time and without notice. Suitability of any alternative offer/s will be determined solely at the discretion and in the opinion of first direct.

The promoter of this offer is first direct, 40 Wakefield Road, Leeds, LS98 1FD. first direct is a division of HSBC UK Bank plc. © HSBC Group 2021. This offer is being administered and managed on behalf of first direct for first direct Home Insurance by The Marketing Lounge Partnership, The Cow Shed, Walnut Tree Farm, Lower Stretton, Cheshire, WA4 4PG.



Argos eGift Cards may be redeemed in full or part payment for goods in-store or online at argos.co.uk from the Argos range, including current promotional offers, at the prevailing prices listed. eGift Cards cannot be used for the purchase of other gift cards or vouchers. GBP £ eGift Cards cannot be redeemed in the ROI. The eGift Card is not a credit, payment or cheque guarantee card, cannot be redeemed for cash or returned under the Argos 30 Day Guarantee and cannot be sold. This will not affect your statutory rights. Argos Ltd reserve the right to decline or withdraw the eGift Card at any time. Argos Ltd cannot be held liable for lost, stolen or damaged eGift cards.


B&Q is not a sponsor of this promotion. B&Q e-Gift Cards can be used in full or part payment for any products purchased from B&Q stores in the UK (except concessions and cafes in B&Q stores) and also on diy.com. This e-Gift Card cannot be used for purchases from B&Q call centres, in B&Q stores outside of the UK, in the ROI or the Channel Islands or exchanged for cash. No change will be given in cash. Any balance remaining on this e-Gift Card will be shown on the till receipt and can be used in full or part payment for other products. If this e-Gift Card is lost, stolen or damaged B&Q cannot replace or reimburse the balance on this e-Gift Card. This e-Gift Card will expire and any remaining balance will be removed if this Card is not used to make a purchase or balance enquiry during any period of 5 consecutive years. The full terms and conditions applicable to this e-Gift Card can be obtained at www.diy.com/giftcard. This e-Gift Card is issued by and remains the property of B&Q plc, B&Q House, Chestnut Avenue, Chandler's Ford, Eastleigh, Hampshire SO53 3LE. Company No. 00973387.

Just Eat

This Just Eat gift card can be redeemed for orders placed online at www.justeat.co.uk for part or full payment of goods. Protect this card and treat it as cash. Lost, stolen or damaged cards will not be replaced. This card expires and cannot be redeemed 12 months after the date of purchase. This card is not a credit or debit card and cannot be reloaded. Except as required by law, this card is not redeemable for cash, cheque or credit. Your Statutory rights are not affected. For full terms and conditions relating to use of this gift card and balance enquiries see just-eat.co.uk/gift-cards

Get a Home Insurance quote

Not covered yet?

Get a quote Retrieve a quote

Apply quickly online and new Home Insurance customers get 15% off - either Buildings or Contents or both (minimum premiums and Terms and Conditions (PDF) apply). Or give us a call:

Available Mon-Fri, 8am-8pm, Sat, 8am-6pm and Sun, 10am-4pm. On public holidays opening hours may vary.

For details on how we use your personal information, please see our Privacy Notice (PDF)first direct Home Insurance is provided by Aviva Insurance Limited. Please read Aviva's Privacy Notice shown within the application.

We are unable to quote for Buildings cover over £500,000 or Contents cover over £80,000. If you require a quote for cover above these levels, please call Aviva directly on 0800 068 1577. Lines are open Mon-Fri 9am to 5pm. Hours may vary on public holidays.

Existing Customer?

If the worst happens, we’ll do everything we can to help and to make the claims process easy for you. If there's been an emergency or if you’d like to make a claim over the phone, call us so we can help you as soon as possible. Lines are open 24/7

Before you make a claim, make sure you have:

  • Your insurance policy number
  • Receipts, quotes or invoices
  • An estimate of the size of the affected area
  • Photos of damaged or lost property (if you have any)