Uinsure Lite

Uinsure Lite - a budget home insurance product designed to cover the essential risks only.

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Uinsure Lite is a budget home insurance product designed to cover the basics like fire, flood and theft.

  • Main perils covered including; Fire, Storm, Flood, Theft and Subsidence.
  • Buildings Sum Insured - £300,000.
  • Contents Sum Insured up to £30,000.
  • High risk property in the home - £5,000.
  • Standard policy excess - £250.
  • Cover for any one item - £750.
  • Money in the home - £100.
  • Credit card cover - £150.
  • Pedal Cycles in the home - £250.
  • Alternative accommodation - Up to 6 months.


Calculate your policy option.

Approved-Home offer products through Uinsure who specialise in non-standard home insurance.

Through Uinsure we can offer you cover when other insurers won't. Cover can be offered for unoccupied properties, properties that have suffered subsidence, properties in flood risk areas or previous flood claims.

We can also offer cover despite any adverse claims history, any criminal conviction, and when you have had insurance refused or cancelled in the past.

The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.
  • We offer products from a range of insurers for term assurance and critical illness cover.
  • We only offer products from a limited number of insurers for whole of life, income protection, private medical insurance and home insurance. A list of the insurers we offer insurance from is available upon request.
  • We only offer products from One Family for non-underwritten whole of life plans.
  • We will advise and make a recommendation for you after we have assessed your needs.
  • You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations.

This depends on the type of business and the circumstances of the claim.


For firms declared in default on or after 3 July 2015, protection is at 100% where claims:

  • a) arise in respect of a liability subject to compulsory insurance; or
  • b) arise in respect of a liability subject to professional indemnity insurance; or
  • c) arise from the death or incapacity of the policyholder due to injury, sickness, or infirmity including contracts for Long Term Insurance such as Long Term Care, pensions and annuities

Protection is at 90% where claims arise under other types of policy with no upper limit.

Further information about compensation scheme arrangements is available from the FSCS. Visit www.fscs.org.uk or 0800 678 1100.

  • A fee.
  • We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the provider.

You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.

Approved Life is a trading style of SHK Finance Limited, who are authorised and regulated by the Financial Conduct Authority under registration number 579963

Our permitted business is insurance mediation. You can check this on the FCA’s register by visiting the FCA’s website www.fsa.gov.uk/register/ or by contacting the FCA on 0800 111 6768

If you wish to register a complaint, please contact us: By email: complaints@shkfinance.co.uk In writing: Complaints Department, Approved Life, 1st Floor, Unit A, Marlborough Business Centre, George Lane, South Woodford, London, E18 1AD

By phone: Telephone us on 0800 002 9479

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

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