Home insurance,
made clear.
Noctus monitors your home insurance, explains your cover, and finds you a better deal; so you always know where you stand.
- No credit card
- No password
- Free forever
admiral_renewal_2026.pdf
Home Insurance · Renewal 2026
Section 4 · Buildings
Section 7 · Exclusions
Section 9 · Contents
Your policy
Analysed by Noctus
Noctus Illuminations
3 things we found in your policy
Renewal watch
34 days until renewal; we'll handle it.
Inside Noctus
We do the boring bits.
So you get the good bits: better cover, better prices, and the switch handled for you.
Your policy, in plain English.
We read every clause of your policy and tell you what you're actually covered for, where the holes are, and what to fix.
Cover audit
3 mins ago
- Accidental damage: covered
- !Bike cover away from home: missing
- Escape of water: covered
Same cover. Less money.
We watch the whole market for your exact cover at a lower price. Same policy. No downgrades. Just a better quote.
Price watch
LiveBest like-for-like
£312
Switch in one tap.
Switching is hard by design. We pre-fill every form, cancel your old policy, and move your cover across; you just tap confirm.
Better deal
Save £175
Aviva Home
£312/yr
How Noctus works
Set it up in 60 seconds.
Let us do the rest.
01 – Connect
Link your policy.
Upload a PDF or forward your renewal email. Noctus reads the boring bits in seconds.
02 – Monitor
We watch 24/7.
Continuous checks on price, terms, and cover across the whole UK market.
- 32 insurers compared
- Cover terms unchanged
- 2 better offers spotted
03 – Act
Switch, skip, or stay.
Clear alerts when there's a better deal; so you decide in a single tap.
Cashback
Shop how you already shop.
We'll do the rest.
Your everyday shopping at 200+ UK retailers now pays down your renewal. No codes. No clipping. Just cashback that lands automatically.
Shop & earn
Earn at hundreds of UK retailers; no voucher codes needed.
Watch it grow
Your pot accumulates throughout the year, automatically.
Auto-applied
Deducted straight from your renewal premium at year-end.
200+ Retailers
Your pot
£247.40
earned this year
Recent earnings
See all- John LewisHomeware · 3 Apr+£18.40
- B&QGarden · 28 Mar+£9.75
- Marks & SpencerGrocery · 24 Mar+£4.20
- IKEAFurniture · 18 Mar+£14.85
£175
average annual saving per home
200+
UK cashback retailers
10k+
homeowners monitored every day
Pricing
Free for homeowners.
Forever.
Noctus is free to use. We earn a small commission when you switch insurer; only if it actually saves you money.
Everything included
- Policy analysis & cover-gap detection
- Continuous market monitoring
- Renewal alerts & switching guidance
- Cashback at 200+ UK retailers
- Human-in-the-loop claims guidance
- Magic-link sign in; no passwords
Forever free
No credit card · No password
Every feature, no tiers, no upsells. Because protecting your home shouldn't cost you extra.
FAQ
Common questions.
Can't find what you're after? Our team replies to every email in under 2 hours.
Yes; completely. You'll never pay us anything. We earn a small commission from the insurer when you switch through Noctus; only when it saves you money.
Ready in 30 seconds
Stop overpaying.
Start seeing.
Upload your policy in 30 seconds. We'll tell you exactly how much you could save.
- FCA authorised
- Bank-level encryption
- Cancel any time