Following the Government’s announcement asking everyone to stay at home, we’re making some changes to the way we work to make sure we’re looking after our people and our customers. We’re setting up as many of our colleagues as possible to work from home, but this will take a few days.
In the short-term, we’re only accepting new business online. That means new customers can’t buy insurance over the phone.
Existing customers: Please don’t phone unless it’s absolutely necessary.
We need to prioritise:
- Customers who have an urgent claim, for example your car is undrivable following an accident, you are injured, or your home is uninhabitable.
- Customers who can’t pay now as a result of the Coronavirus pandemic, call us - we want to help you.
If you have questions about your renewal or want to make a change to your policy, you can use our virtual assistant. If your policy is due to renew in the next week and you haven’t opted for auto-renewal, please call us. If you have opted for auto-renewal, please make sure your insurance still meets your needs.
For more information and frequently asked questions about COVID-19, go to our Coronavirus help and support page.
With so many great flooring options on the market, it may be hard to choose the right one for you. First you need to decide where the floor is going and what it is or could be used for. White pile carpets in the front hall, for example, probably won’t be a good look in the long run. White tiles in the kitchen or bathroom however, could prove the cleanest and most practical solution.
Solid hardwood floors and eco-friendly flooring
One of the oldest flooring options, a hardwood floor is refined, timeless and durable. A solid strip hardwood floor usually uses strips of wood about 2cm (0.75 inches) thick, 7cm (2.5 inches) wide and anywhere from 30cm (12 inches) to 215cm (85 inches) long. Traditional woods include oak and maple, although more exotic woods are also popular today.
Engineered wood floors
You can also get the look of hardwood by using engineered wood floors. These are made using a veneer of hardwood in the species of your choice, with three to five thin sheets of cheaper wood below. Engineered wood floors don’t contract or expand with heat or moisture, and so are especially good for kitchens, bathrooms and basements.
You might find old floorboards under carpets or tiles that just need sprucing up. This is a pretty straightforward DIY job – simply hire a floor sander from a DIY store, follow the instructions and then finish with a wood stain, varnish or wood paint of your choice.
If you want to make your home greener, you could also go for renewable flooring like cork or bamboo. Cork is also an excellent insulator from sound so may be great for upper floor areas.
Carpets and rugs
Carpets are comfortable, warm and energy efficient. They come in a huge choice of colours, patterns and textures and suit just about any decorating scheme. Different types of carpet may suit different areas of your house: a twist pile if less likely to show footprints and vacuum cleaner marks; a long or velvet pile gives a sumptuous feel; wool carpets are warm, soft and environmentally friendly; nylon is hard-wearing; and polypropylene is highly stain resistant. If you buy a carpet, it is advisable to get an expert to fit it and often you can factor this, and any underlay you may need, into a deal. Whether you have young children or pets is also an important factor in deciding whether or not to have carpets, for obvious reasons!
Laminate floors and vinyl
Laminate floors that look like wood are a great family option as they combine practicability with durability and good looks. They are great for high traffic areas such as hallways, with superior stain and scratch resistance and guarantees from 10 to 50 years. They come in plank or tile format and have easy click fixtures that allow them to be laid and walked on straight away. Waterproof options are also great for kitchens and bathrooms.
Vinyl floors stand on their own in a range of stylish patterns, but are also a good way of emulating more expensive flooring options such as terracotta, marble or ceramic tiles, if you are on a budget. They can also mimic wooden or metallic planks and are great in kitchen or bathroom areas.
These can be expensive but will be durable and stylish. Choose from terracotta, natural stone, mosaic, polished porcelain, granite, limestone, marble and slate. You could lay these yourself, although you will also need filler and may have to cut some tiles to size, which may require a special cutting tool.
It’s also possible to paint straight onto concrete, wooden, vinyl and ceramic tiles. Although the paint isn’t the most durable option for high traffic areas, you can improve the last with three coats of clear urethane. You may also have to prime wooden floors before you paint them. Plus, don’t forget that it may take a few days for the paint to dry before you can walk on it.
What if my flooring is damaged? Am I covered?
Churchill home contents insurance covers non-permanent fixtures and fittings such as carpets as standard. You may feel that adding Accidental Damage cover to your policy gives you more piece of mind as well. Without this cover for example, you may not be able to claim for the damage caused by an iron burn or spilt red wine!