We no longer sell insurance.

After careful consideration, we have made the decision to stop offering home insurance.

We started Locket because we wanted to help you actively protect the people and things you care about – and offered insurance as a safety net for when things do go wrong.

We’ve decided to exclusively focus on our award-winning safety and security tools so that we can help as many people as possible protect the things that matter. We continue to build amazing experiences that help people to protect their homes, the difference is, that we’re now licensing those features to insurance providers directly. 

The FAQs

If you’ve got questions, check out our FAQs below.

What do you mean by “lapse” my policy? Is there a difference between lapse and cancel?

We’re lapsing your policy as, once we cease to trade as a home insurance provider, your policy – through no fault of your own – will come to a natural end. If we were to cancel you or void your policy, that usually implies there has been a change of circumstances on your part, which is why insurance providers have you declare if this has ever happened. In this case, as we haven’t cancelled you, but have lapsed your policy, it doesn’t need to be declared and won’t affect your future quotes.

Will I get a refund when you lapse my Locket policy?

If you’re within your 14-day cooling-off period, you’ll get a full refund, as long as you’ve not made a claim.

If you’re part-way through your coverage with Locket, you’ll receive a partial refund for the unused time remaining on the policy. The refund will be issued to the card you used for the original payment.

I have only just renewed with Locket – will I get all my money back?

If you’re within the 14-day cooling-off period, you’ll receive a full refund. Beyond this, you may be due a partial refund if you’ve paid for cover you have not used.

Will there be any admin or cancellation charges to end my policy with Locket before it’s lapsed?

There will be no charges or fees. When your policy lapses – or if you decide to cancel before then – you’ll receive an automated-email confirming this to be the case, as well as letting you know if you’re due a refund, and if you are, the amount that’s due.

Will this impact my no claims history?

No, it won’t. If you reach out to hi@locket.insure with your policy reference, full name and postcode, we’ll send you a PDF confirming your records since being a Locket member. Your no claims records prior to being a Locket member will be held by your previous provider.

What if I need to make a claim between now and my policy ending?

It’s very much business as usual. You will still be able to make a claim with our claims partners, as per the contact details provided in your policy wording. For contact details, please go to Claims page.

Can I cancel my policy before it is lapsed?

Of course, you can cancel your policy at any time without any cancellation or admin fees. You can self-serve by cancelling your own policy via the Locket app, or reach out to us at hi@locket.insure. If you would like us to cancel on your behalf, be sure to include your policy reference, date of birth and postcode in your email, as well as the date you wish your cover to end on.

How do I find another insurance provider?

If you live in England, Scotland of Wales:

We want to do everything possible to help you find alternative cover, which is why we’ve partnered up with One Click Cover, who the same fast-quote approach and 5* Defaqto- rated home insurance. If you would like to access a quote from One Click Cover, you can check them out by clicking here.

Additionally, there are a number of comparison websites that can offer you information regarding alternative home insurance providers. We have previously been in contact with the following:

Compare the Market
Money Supermarket

Can I still use the Locket app? What will happen to it?

Yes, of course. We have many people making the most of the Locket app and all the features we have on offer. We’d love it if you continue to use the marketplace, educational tips and we’ll have many more exciting features to come.

You can also visit our full range of FAQs hosted here.

If this hasn’t answered your specific query, please contact the Member Experience team at hi@locket.insure

Get in touch with us; we’re here to help!

Depending on the query or request you have, please reach out to the following contacts:

Home Emergency, Buildings and Contents, Contents Only, Personal Legal

Member Experience General Enquiries
FAQs, cancellations, refunds, policy amendments etc.

Read an Example Policy

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