Household Insurance - Terms of Business

The Lifestyle Household contract is based on the number of bedrooms in your residential property and includes Family Legal Expenses, Identity Theft, Home Emergency Cover and Home Start Breakdown Cover.


If excesses apply, they will be itemised on your policy schedule.

Making a claim

In the event of a claim, Telephone MIS Claims on 0845 491 1111 and provide the following information:

  • The nature of the emergency.
  • Your name and address including your postcode.
  • Your policy number from the insurance schedule.

How to cancel a policy


The policy will continue for the period specified in the policy schedule. You have certain rights to cancel the policy.


If this policy does not provide the cover you need or you wish to cancel for any other reason, you should contact Lifestyle Insurances Northern Ireland on 0845 491 1111.


You will have a period of 14 days (28 days following automatic renewal) from the inception of the policy to cancel the policy and receive a full refund provided a claim has not been made.


Beyond this period, you will be entitled to cancel this policy but no refund will be provided to you.


If you move home


You are responsible for informing Lifestyle Insurances Northern Ireland of a change of address so that cover can be transferred to your new property.


How do I renew?


Lifestyle Insurances Northern Ireland will contact you in writing before your policy expires to arrange the renewal of your policy. At the same time we will review your premium and advise you of the renewal amount. We reserve the right to adjust your premium to reflect any changes in the rate of tax applicable to it. Lifestyle Insurances Northern Ireland reserves the right to refuse renewal of any individual policy and we will inform you before your policy expires, if we chose to do so.


Complaints Procedure


It is our intention to give you the best possible service but if you do have any questions or complaints please contact us immediately. If there is a disagreement between us which we cannot resolve to your satisfaction you can refer the complaint to the Financial Ombudsman Services (FOS) who, once contacted, will liaise with us on your behalf. The FOS will then inform you directly of its decision. Referral to the FOS will not prejudice your rights to take subsequent Legal Proceedings. The FOS are located at


South Quay Plaza,

183 Marsh Wall,


E14 9SR


Telephone: 0845 080 1800


Home Emergency - Lifestyle Insurances Northern Ireland Service Promise


If an engineer does not arrive at your property within 2 hours of your call to us, we will waive the excess payment on any claim.


Home Emergency - Home Emergency – Lifestyle Insurances Northern Ireland Repair Standards


Repairs are usually temporary in order to resolve the emergency. However a permanent repair may be carried out if it’s as cost effective as a temporary repair. If a permanent repair is carried out it is covered under this policy for as long as you retain the Home Emergency Contract with Lifestyle Insurances Northern Ireland.


Your Contract with the Insurer


You must co-operate with the insurer in obtaining reimbur