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Home Insurance Reviews

Frontier Home Insurance Review

Marvin's low-down on Home Insurance from Frontier

Marvin

Apr 3, 2023 • 3 min read

The experts say:

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Frontier is an insurance broker proving home insurance policies which cover a wide range of scenarios, from conventional buildings and contents insurance policies to cover for Airbnb hosts and properties with a history of subsidence. Among other things, its regular Home Insurance policy provides up to £5,000 of Theft from outbuildings cover, and has a relatively low excess of £350 on escape of water claims. Furthermore, it also provides cover for garden plants. Frontier's Home Insurance has earned a 4-Star rating from Fairer Finance, although it was not a Which? recommended provider this year, and cashback is not currently available. Overall it looks like a reliable choice for people looking for home insurance at a competitive price. But do Frontier's customers think it's any good? Read on to find out.

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What Frontier customers are saying right now:

The Good

✅ Easy to use and navigate website 🔎
✅ Competitive prices 💰
✅ Comprehensive additional cover 📝
✅ Fast responsive customer support 📣
✅ Simple to make changes to policy online 🖱

The Bad

🤬 Poor customer service, with no resolution to policy document issues.
😡 Useless chat support with long wait times.
⚠️ Amateur setup with subpar online portal.

Frontier customer reviews summary

Frontier is a fantastic house insurance provider, providing customers with a great price and deposit alongside comprehensive coverage. Setting up the policy was easy and straightforward, with a user-friendly website that makes it simple to make changes or renew policies. Customers have praised the value for money and extra inclusive cover, with excellent customer service to match. With all these features in mind, Frontier deserves a solid score of 9 out of 10.

Is Frontier one of this year's Top 10 Home Insurance companies?

Frequently asked questions about Frontier Home Insurance

Who underwrites Frontier Home Insurance?

Frontier's underwriter is Red Sands Insurance Company (Europe) Limited – a Gibraltar-based insurer which underwrites a number of other UK insurance brands, including Animal Friends, Smart Insurance, and Waggel.

Who are Frontier Home Insurance?

Frontier was founded in 2014 by CEO Michael Muzio and was previously known as now4cover. Muzio previously held senior roles at Towergate, the UK's leading broker of specialist insurance.

Deep-dive into Frontier Home Insurance

Cover Highlights

Frontier's My Cover policy offers a range of coverage features to safeguard your home and belongings. Let's take a closer look at some of the key highlights:

Alternative accommodation cover limit for buildings: Unlimited cover is provided to ensure you have a place to stay in case your home becomes uninhabitable.

Matching sets (contents): Unfortunately, this policy does not offer coverage for replacing or repairing individual damaged parts of matching sets such as sofas or bathroom suites.

Escape of water excess: In case of water-related incidents, Frontier My Cover requires customers to pay a £350 excess.

Standard accidental damage - underground services: Accidental damage to underground services is covered as standard.

Accidental damage cover: While accidental damage cover is optional, it provides an extra layer of protection for your property and possessions.

Cover Away from Home: Frontier My Cover offers cover for personal items such as electronics, bicycles, and other valuable possessions even when you're away from home.

Pros and Cons

While Frontier's My Cover policy offers competitive coverage, it's important to weigh the pros and cons before making a decision:

Pros:

Extensive coverage for a wide range of risks, including storm and flood damage, malicious damage, and collisions.
Options for additional extras like home emergency cover and legal expenses.
Protection against inflation ensures that your coverage keeps pace with the cost of living.
Replacement of belongings new for old, so you won't have to settle for second-hand replacements.
Cover for garden plants and blocked drains, showing attention to detail in providing comprehensive protection.

Cons:

Limited coverage for certain items, such as matching sets, theft from outbuildings, and theft or attempted theft within your home.
No 24-hour helpline available for general queries or claims.
Fee applies for making policy amendments over the phone.
Optional protected no claims discount not offered.

Conclusion

Frontier's My Cover policy offers a comprehensive range of coveroptions to protect your home and possessions. Although some coverage limits may not meet everyone's needs, the policy includes several standout features like unlimited alternative accommodation cover and protection against inflation. However, it's important to carefully review the policy to ensure it aligns with your specific requirements.

As always, we recommend comparing policies from multiple providers to find the right fit for your home insurance needs. By shopping around and considering quotes from various insurers, you can find the perfect balance between coverage and affordability. Remember, home insurance is a vital investment in protecting what matters most — your home and peace of mind.

Disclaimer: Please note that the information provided in this review is based on the details available at the time of writing. It's essential to consult the official policy documents and speak with a representative from Frontier or a licensed insurance agent to confirm cover details before making any decisions.