We’re a full-stack insurance carrier built to provide the most delightful and transparent insurance experience worldwide.
Lemonade is a fully licensed and regulated insurance company, which means that we underwrite, price, and sell our own policies, as well as handle and pay claims.
We’re also a public benefit corporation and a certified B Corp, meaning we care about the community and environment, not just business results. Once a year, if any premiums are left over, we donate them to nonprofits chosen by our customers.
We want you to understand exactly what you’re buying and how much you’ll be paying for it - we’re transparent. This is why we introduced the world’s first open-source collaborative insurance policy, where we ask customers and insurance experts to come together and edit the perfect policy!
It’s called Policy 2.0, and it’s available in the UK, France, Germany, and the Netherlands.
You’re right, Lemonade was built differently.
Traditional insurance companies collect profits from whatever premium is left over after paying claims and expenses.
Instead of profiting from unclaimed premiums, we take a flat fee out of your premium upfront—that’s our profit—and donate whatever money may be left after paying claims and expenses, to charities of your choice. We call this the Lemonade Giveback.
This way, our customers are provided with excellent insurance, and society gets a little push for the better.
Lemonade, Inc., a publicly traded company, is listed on the New York Stock Exchange and is a public benefit corporation organised under Delaware law. Lemonade Inc. is the parent company for a group of subsidiary companies.
In the UK, Lemonade operates through its UK branch establishments. Lemonade Insurance N.V., UK Branch is the UK branch establishment of Lemonade Insurance N.V.. The company is under the supervision of the Dutch Central Bank (De Nederlandsche Bank, DNB), authorised by the Prudential Regulatory Authority. Subject to regulation by the Financial Conduct Authority (FRN 934706) and limited regulation by the Prudential Regulatory Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available on request. (Financial Services Register Number: 846181)
Lemonade Agency B.V., UK Branch is the UK branch establishment of Lemonade Agency B.V.. Authorised and regulated by the Financial Conduct Authority. (Financial Services Register Number: 989294)
For more information please refer to the Legal Stuff section.
We are star-rated by Defaqto, which means we’re independently compared against other providers in the UK. Defaqto takes a detailed look at insurance products and gives them a rating out of 5, allowing customers to make an impartial comparison.
We’re proud to tell you that Defaqto has granted our Contents insurance, and our Buildings and Contents bundle, a 5-star Rating. These ratings are updated yearly, and we're always looking for ways to enhance our Buildings and Contents bundle even further.
We most certainly are! Lemonade is insured by some of the biggest reinsurers in the world - like Aviva, Swiss Re, Munich Re, and Hannover Re.
We offer hassle-free contents, liability, and buildings insurance in the UK, contents and liability insurance in Germany and the Netherlands, along with homeowners, landlords, and renters insurance in France.
We also offer renters, homeowners, car, pet, and life insurance in the US.
We currently operate in the UK, Germany, the Netherlands, France, and the US. We’re constantly working on expanding.
You’re welcome to sign up here to receive updates on where we’re heading in the future - we may knock on your door sooner than you expect!
How do you keep my information confidential?
Transparency and integrity while processing your personal data are very important to us. We comply with data protection regulations, including the EU General Data Protection Regulation ("GDPR"). We are GDPR-compliant by design, building Lemonade with the customer as our focus.
We will never sell your information, or share it with anyone except to provide our services and promote our business. Please see our Privacy Policy for more information on how we handle your data.
B Corp® is a certification granted to for-profit companies that meet rigorous standards of social and environmental performance, accountability, and transparency.
Lemonade Inc. is a public benefit corporation organised under Delaware law, which means that it is legally permitted to consider the interests of all our constituents, not solely the interests of our owners, and in operating our business. While we do aim to make a profit, our mission statement is to transform insurance from a necessary evil into a social good.
Policy 2.0 is Lemonade's radically simplified, modernised, and digitised insurance policy. It lays out in plain English what’s covered by our insurance product, and what’s not. Policy 2.0 was written for the 21st century, so it’s relevant to everyday life.
Making insurance simple, approachable, and relevant should be a common goal, a communal effort, and a universal benefit - that’s why our Policy 2.0 is open-sourced: we want to hear feedback from our community and share it with the industry so everyone can help make insurance simple and accessible.
Lemonade policies can be purchased either through our website or mobile app. The mobile app also allows you to manage your cover, choose a Giveback, file claims, and contact our team.
At the moment, you can only sign up for Lemonade via our website or mobile app— with the benefit of having what you pay for in your own hands!
That’s up to you! You can include additional household members by name while setting up your policy with us. You’ll also be able to add people later if you don’t do this right away.
Children under 18 are covered under your policy automatically, so long as you mention that you have kids living with you while setting up your cover.
If your children are still registered at your address, we’ll cover their contents while they’re temporarily away, either for university or travelling. Be sure to include our Theft and Loss add-on to have their belongings covered against theft away from home.
Bear in mind that if your children are away from home for longer than three months at a time, or if they move out permanently, they will need to take out their own insurance policy for their new address.
If someone needs to be added or removed from your active policy, just let us know! We’ll be happy to make the adjustments for you.
Our Contents insurance policy allows up to five people, including yourself. Each person will need to be listed by name for their belongings to be covered.
If you have our Buildings and Contents bundle, there is a maximum limit of three people listed by name on the policy, including you.
As long as you mention that you have kids living with you while setting up, any children under 18 are covered under your policy automatically, and won’t need to be listed by name and will not be subject to these limits.
You can cancel your policy at any time, we’ll also refund the unused part of your premium within a few days. Want to come back to us in the future? No problem! You are welcome to create a new policy with us at any time.
Please note that our prices do change from time to time, so a new policy may be offered at a different rate than before.
You definitely can! Just ask your current insurer how much notice you’d need to give to cancel with them, and set the start date for your Lemonade policy to the same day your old one cancels. This way, you’ll avoid overlapping insurance policies (those aren’t very helpful, of course).
Keep in mind that depending on their specific terms of service, your current insurer might require you to pay a small fee upon cancellation.
With Lemonade, we don’t have a notice period, nor do we charge any cancellation fees - you’re free to cancel your policy whenever you like.
While we try to keep our prices competitive, this won’t always be the case. Insurers use different models and data sets to calculate prices, and sometimes, our prices may be higher than someone else’s.
Keep in mind that Lemonade offers some unique perks: Leftover money that isn’t used to pay claims goes to charities chosen by our customers, as part of our Giveback program, and we have no hidden costs or fees!
While we can’t edit the address of an active policy on our end, it’s quite easy to cancel your current policy and take out a new one for your new address.
Here’s how:
Please also note that if you already have an active policy with Lemonade, your belongings will remain insured at your current address for up to one month once you start moving.
During this period, your belongings will be insured at both your old and your new address, provided that this new address is in the UK. After one month, the cover for your old address will automatically end.
If you have any issues cancelling or creating a new policy, feel free to message us at [email protected]!
Contents insurance protects all sorts of things in your home. Think of furniture, clothes, mirrors, and electronics like your TV. Generally, anything you’d take with you if you were ever to move home would be considered your contents.
Anything attached to the structure of your home, such as the kitchen or wooden floor, is usually covered by building insurance.
A common way to calculate the amount of cover needed is to count at least £650 per square meter of your home. However, we know this doesn’t apply to everyone.
If you’re unsure about the size of your home, it’s important to take everything you own into account when deciding what cover amounts suit you best. Think of this unfortunate example - if everything you own goes up in flames, how much reimbursement would you need from us to cover all the things that were lost?
Included in your cover, we’ll pay reasonable and necessary costs arising from covered damages, to protect your stuff (experts to assess or clean up the damage, transit of your stuff into temporary storage, or to a new address).
If the total damages exceed the cover amount you selected, we’ll provide an extra 10% to cover these additional costs.
Sure! Before purchasing a policy, you’ll be able to adjust your cover amounts and choose an excess that works best for you. Naturally, we have maximum and minimum limits to keep in mind.
After you buy a policy, you’ll be able to view and edit your cover at any time through the Lemonade app. These changes may affect the premium, but you’ll see your premium adjust alongside any changes made to your cover - in real time!
Your contents insurance covers damage to your belongings caused by fire, lightning, smoke, explosion, burglary, robbery, vandalism, looting, storm, hail, heavy rainfall, damage to your home by vehicle or aircraft, and falling objects from outside (like trees or branches).
We also cover your belongings against water damage caused by burst/blocked pipes, leaking appliances connected to water mains, or leaking waterbeds and aquariums.
Our Theft & Loss add-on covers you against… you guessed it… theft and accidental loss! So if your favourite bracelet gets nicked at a party, or you get home and your wedding ring isn’t on your finger - this will protect you.
The Accidental Damage to Your Stuff add-on protects your belongings against sudden and unexpected damage, even if you’ve (unintentionally) caused it yourself. This does not apply to mobile electronics like smartphones, laptops, tablets, VR headsets, and gaming consoles.
Accidental damage to Mobile Devices is a little upgrade to the above. It extends the accidental damage cover to your gadgets, like your phone, laptop, tablets, smartwatches, VR headsets, and gaming consoles. Keep in mind that for this add-on to be available, you will need to have the Accidental Damage to your Stuff add-on included.
Claims related to damage to your mobile devices will be dealt with by our partner, BeValued. If they deem your device irreparable, they will replace it with a refurbished one of the same make/model.
Legal protection covers you for defending or pursuing legal disputes related to personal injury, your home, your employment, and consumer agreements, up to £50,000.
We don’t provide cover for maintenance issues such as sludge, scale, or rust in your heating system, or dripping taps.
Home Emergency Cover is provided by Aviva Insurance Limited. Claims are administered by HomeServe Membership Limited.
Temporary Accommodation provides a backup if something happens to your home, causing it to become uninhabitable. For instance, if a kitchen fire or a burst pipe causes a flood and you need to leave your home temporarily, we’ll cover the cost of a hotel and other living expenses. Just be sure to keep these receipts to help with your claim.
Here is an insurance card so you can see our general cover at a glance.
You can view your policy, adjust your cover limits, and manage your add-ons through the Lemonade mobile app. If you need help getting that done, you can always contact us and we’ll gladly make the adjustments for you.
Burglary involves unauthorised or forced entry (an obvious break-in) in which items were stolen or damaged.
Robbery also involves stolen or damaged items but through force or threats of violence. We’d consider it theft if your item was stolen, but there were no clear signs of forced entry or threats of violence.
Your contents policy automatically covers burglary and robbery. But if someone at your housewarming party pockets your favourite watch, this would be considered theft, and would only be covered if your policy includes our Theft and Loss add-on.
Contents insurance doesn’t cover every annoying thing that can happen. We don’t cover your stuff that is mysteriously lost or broken—so if you drop your phone in the canal, or spill a coffee all over your laptop’s keyboard, that’s not covered.
We don’t cover damage relating to general wear and tear like scratches or stains, or damage that arises gradually, like mould or rust.
We don’t cover temporary accommodation due to an outage in utilities (power, water, or heating) unless you are a homeowner, and have the Home Emergency add-on included in your policy.
We don’t cover infestations of bed bugs, mice, roaches, or other vermin - eek!
Here is an insurance card which briefly explains what is and what is not covered under your contents insurance.
We provide cover for items normally stored in your home, balcony, terrace, garage, shed, or storage space on the premises of your primary address, but not when they’re stored in public or unsecured areas.
This means that belongings normally stored elsewhere, such as in your holiday home, office, or a (temporary) external storage space outside your building, aren’t covered under your policy.
We make an exception when your stuff is kept in a protected storage unit for up to seven days during your move. In this situation, your belongings are also insured if you keep them temporarily in secure external storage.
We do not cover damage to your personal property if caused by pets, insects, vermin, or other animals.
We also do not cover the medical costs if your pet falls ill or has been injured in an accident.
We cover your home and stuff against extreme weather events like fire, lightning, a windstorm above 55mph, heavy rainfall exceeding 25mm/h, hail, earthquakes, floodings, subsidence, landslip, heave, and more.
Your base policy will cover the loss of cash or cash equivalents (gift cards, travel vouchers, etc.) for up to £500 per event if the loss is due to a burglary or fire, so long as the loss occurred within your home.
Your base policy automatically covers all your belongings up to £2.000 per item.
If you have belongings worth over £2.000 individually, these would be considered high-value items and would need to be added to your policy to be covered for their full value.
At the end of your quote, you’ll be able to add cover for your high-value items worth £2.000 individually.
If your policy is already active, you’ll be able to add items through our website, or our mobile app.
Please read through our helpful guide for everything you’ll need to know about covering your valuables.
There is no limit to the number of items you can add, but we do have some general cover limits to keep in mind:
Jewellery: £10.000 Bikes: £10,000 Cameras and lenses: £10,000 Mobile electronics: £10,000 Musical instruments: £10,000 Fashion items: £10,000 Other (Fine art, etc.): £10,000 Maximum total extra cover: £20,000
Please note that items need to be submitted individually, unless part of a set. You will be asked to provide a brief description, photos and receipts, invoices or valuations (proof of value and ownership) for each item.
Once we receive your request, our team will have it reviewed to determine if your items are eligible for extra cover. If we have everything needed to add your items to your policy, the request will be approved by our team and added right away! If any information is still missing, we’ll let you know exactly what we need to wrap it up.
If we determine that your item does not qualify for extra cover (either due to insufficient documentation, or if the item needs specialised cover that we don’t offer), we will close your application and your valuables will remain insured for up to £2,000 under your base policy.
Contrary to contents insurance, buildings insurance covers damage to the structure of your home itself. This includes its walls, roof, flooring, fixed installations like your kitchen or bathroom, and the pipes they’re connected to. It also covers structures outside your home, like fences, patios, terraces, etc.
We’ll also cover your swimming pool and fixed hot tub, as well as damage to renewable energy installations like solar panels that are fixed to your home.
Please ensure that you are a freeholder, and are responsible for arranging your own buildings insurance. If you have not arranged suitable insurance, rebuilding your home may not be possible in the event of a claim.
If you are a leaseholder, we cannot offer you Buildings insurance.
We use third-party data specific to your address to calculate the costs of repairing or reconstructing your home by factoring in things like the age, materials used to build, style, and floor space of your home. There is no selectable cover limit for the reconstruction of your home.
We cover your home from some unfortunate events like fire, burglary, vandalism, windstorms, floodings, subsidence, landslips, heaves, collision by vehicles, falling objects (trees or satellite dishes), and much more!
Your home is also covered against water damage caused by accidental leaks from fixed water systems, burst or blocked pipes, and appliances connected to water pipes (e.g. your washing machine). In cases like these, we’ll also cover up to £2,000 for metered water bills.
We also cover damage to your outbuildings such as your garage, shed, outhouse, etc. as long as they’re on the premises of your primary home, and only if your primary residence was affected by the same covered peril.
Accidental damage to your Home protects you if you unintentionally cause damage to things like drains, glass, pipes, cables, and other events for up to £2,000 per claim.
Our Home Emergency add-on is available for all homeowners, and covers a breakdown of your main heating system, leaking or blocked pipes, drains, toilets, electrical failure, or damage to your roof up to £1,000 per event.
However, we will only provide cover if your main heating system is powered by natural gas, oil, or electric panel heaters. We also don’t provide cover for maintenance issues such as sludge, scale, or rust in your heating system, or dripping taps.
If you need to make use of your Home Emergency cover, the number for the 24/7 assistance helpline can be found under the Home Emergency section of your policy.
Home Emergency Cover is provided by Aviva Insurance Limited. Claims are administered by HomeServe Membership Limited.
Temporary accommodation cover kicks in when something happens to your home, causing it to be uninhabitable, we’ll cover the costs of a hotel or temporary stay, along with any other reasonable living costs.
You can view your policy, adjust your cover limits, and manage your add-ons through the Lemonade mobile app.
Simply log in with the email address you used to set up, and you can make changes to your cover at any time! You’ll also see your premium adjust accordingly in real-time.
If you need help getting that done, you can always contact us and we’ll gladly make the adjustments for you.
Buildings insurance doesn’t fill all the nooks and crannies, though. There are a few things that are excluded, either due to their high risk, damage that’s expected or as a result of negligence.
Damages that arise gradually due to general wear and tear such as mould, rust, corrosion, or damage due to poor maintenance are not covered by our Buildings and Contents bundle.
We don’t cover damage due to improper maintenance, repairs, faulty constructions, or incorrect installations.
While we’ll cover damages to your home caused by a burst pipe, we won’t cover the culprit for the damage itself (the burst pipe) unless you have the Accidental Damage to your Home add-on included in your policy.
We don’t cover buildings used for professional or commercial purposes.
We don’t cover damages caused by escape of water or oil, theft, burglary, vandalism, frost, or accidental damage if it has occurred while your home was unoccupied for more than 60 days in a row
Our experts will assess the damage to your home. The costs to repair your home are based on the size, style, and appearance as it was before the damage, using conventional materials.
We do! If for instance, you need to replace a damaged tap in your bathroom that’s part of a set of the same make and model, if the same tap is no longer sold, we will offer 50% reimbursement to replace the other taps in the same bathroom to match the set.
We do. If an expert determines that there has been notable wear and tear to the damaged parts of your home, we will reduce our payment or repairs accordingly to reflect this.
Structures and utilities like your chimney or stove need to be installed by a professional. You’ll also need to regularly clear out your gutters, downpipes, chimney, stove, ducts, and boiler before every winter to ensure there is no buildup
Be vigilant for visible signs of leaks and repair them as soon as you have spotted one, including dripping taps or oil tanks. Window frames can also erode over time due to the UK’s beautiful weather, so it’s good to check those from time to time
Your electrical panel must be checked every three years by a professional. Also, make sure to unplug electrical plugs from sockets when not being used, and be sure that your electric devices meet minimum safety standards.
Close up all windows and doors when you leave. All the external doors of your home and outbuildings must have at least one secure door lock (padlocks are not sufficient).
Install fire alarms and regularly check that they remain functional.
If you don’t follow these prevention measures, your claims’ payout might be reduced or declined based on improper maintenance. However, we treat every claim uniquely, so our claims team will gather everything they need to move forward.
Personal Liability protects you if you’re ever legally held accountable for the physical injury of another, or accidental damage caused to their belongings. You’re also insured anywhere in the world (so long as you’re not away from home for more than three months).
We also cover you, if you are legally liable to pay for any claim involving bodily injury or illness of someone who works for you in your home (e.g. your babysitter or cleaner).
We also cover damage or injury caused by most small pets within the boundaries of your home, but we don’t cover damage caused by high-risk dogs as described under the Dangerous Dogs Act 1991 or the Dangerous Dogs (Northern Ireland) Order 1983.
Tenant’s liability is automatically built into the Personal Liability portion of your contents policy, and covers accidental damage you cause to the flat you’re renting, for up to £10,000 per event.
This cover also extends to damage that impacts neighbours or other third parties. For instance, if a broken pipe leaks into your neighbour’s property and damages their belongings, you’re covered.
Tenant's Liability doesn’t apply to our Buildings and Contents Bundle.
Our buildings insurance includes Property Liability, which protects you if you are held liable for bodily injury or property damage caused to a third party by you as the owner of the covered home, so long as it happened on your premises.
We only also damage or bodily injury caused by a home that you used to own if the property was previously insured by Lemonade, and if no other insurance is able to cover the incident. You will be covered as a former owner for up to seven years after your old policy ends.
If you or someone else on your behalf has completed faulty construction work that causes damage to others, we cover you, as stated in Section 3 of the Defective Premises Act of 1972 (If you want to impress your friends, you should give it a read).
Here is an insurance card for what is and what isn’t covered under your liability insurance.
This is entirely up to you! Think about your life. What are the odds that your actions will cause injury to another or damage to their belongings? If you’re out and about, living on the edge - you may need a bit more cover than someone who prefers to spend their time at home with a beverage and a movie.
With a better understanding of what liability covers, you can choose an amount that best suits you.
Lemonade allows up to a maximum of £2.5 million in total for Personal & Property Liability cover.
Personal Liability and Property Liability will both be included in your Buildings and Contents bundle.
Sure. Before purchasing a policy, you’ll be able to adjust the cover to something that suits you. Naturally, we have maximum and minimum limits to all covers.
After you buy a policy, you’ll be able to view and edit your cover through the Lemonade app.
Changes in cover may affect your premium.
If you’re happy after reviewing your quote, you can pay for your policy via most bank-issued debit or credit cards.
We will debit the first month’s premium immediately after you purchase your policy. The premium will then be debited each month on the same day of your policy’s effective date.
For example: If you create a policy on the 13th of the month, but it’s only set to start on a future date (the 29th), your first payment will take place immediately after your policy is created (13th), and each subsequent payment will take place on the 29th of each month.
Since we generally use direct debit, it usually takes up to three to five business days before the premium is collected from your account. If you use a credit card, the charge usually takes place immediately.
Premiums are tailored to each policyholder individually and are based on several factors - including recent insurance claims, and information about you, and your property. We may also factor in your home's susceptibility to windstorms, severe weather damage, and fires.
Lemonade keeps a fixed percentage from the premiums we collect. This pays for developing loads of cool tech, running the company (salaries, rent, reinsurance, and so on), and turning a profit.
If there’s money left after all approved claims are paid, we donate it to non-profit causes selected by the Lemonade community - you! This means we’re not incentivised to deny claims, because any remaining funds from unpaid claims will never end up in our own pocket.
If you miss a payment, we will notify you via SMS or email. When this happens, please get in touch with us so we can assist you in settling the outstanding balance.
If your payment is missed, you will be given a 14-day “grace period” to settle the outstanding balance. If you fail to do so in time, your policy will be automatically cancelled
Super easy! Once logged into the app with your registered email address, click on the ‘File a claim’ button above your policy. You will then be guided through the claim process where you’ll answer a few questions: ‘What happened?’, ‘When?’, ‘Was anyone injured?’.
We will also ask you to fill out the expected claim amount (cost of your loss). If you don't have an exact amount in mind, you can give an estimate as an indication. Please note that the claimed amount must be higher than your excess, otherwise, your claim will be automatically rejected.
Once your claim has been submitted, it will be passed over to one of our claims adjusters who will contact you directly and help you further. Information you weren’t able to provide immediately can be sent later once our claims team gets in touch with you.
If you have any trouble filing your claim, feel free to drop us a message at [email protected].
An excess is the amount that is subtracted from each claim payout. Think of it as your own contribution to the damage or loss.
Example: You select an excess of £250 when purchasing your Contents policy. A few months later, your flat is broken into, and your £1,000 laptop is stolen.
The payment you’ll receive for your claim is £750 (£1,000 minus the excess of £250).
A rule of thumb to consider: the higher the excess, the higher your contribution to a claim payout, resulting in a lower premium.
There are four different types of excesses, depending on the type of cover you have selected:
Contents excess: £100 - £500 Buildings excess: £100 - £500 Escape of water excess: £400 - £800 Subsidence excess: £950 per event
The type of excess that kicks in depends on what has been damaged, and/or what has caused the damage. For example, if your sofa was ripped - your ‘contents excess’ would apply.
If your floor was damaged by a burst pipe in your washing machine, your ‘escape of water excess’ would apply.
If multiple excesses would apply to a single claim (e.g. both your home and belongings are damaged by the same peril), we will apply both your contents excess and buildings excess.
There’s no better way for us to understand the incident than by having you describe it in your own words. We’ll use your video solely for the process of reviewing your claim and it won’t be shared with anyone else. You’re safe with us.
If you no longer have access to your phone, we ask that you submit your claim through the phone of your partner, family member, or friend.
You can log in to the Lemonade App with any other phone using the email address you used to set up your account. You can also let us know the best way to keep in touch with you from there.
If this isn't possible, you can let us know via [email protected] and we’ll find a suitable solution.
Your premium won't fluctuate during the year, so you won't have to worry about a rate increase immediately after filing a claim.
Typically, we recalculate your policy's premium before it renews. If we need to make any adjustments then, we'll be sure to let you know beforehand!
Having some information at hand when filing a claim can certainly prove useful! However, we know that not everyone keeps receipts.
If you don’t usually keep hold of your receipts, keeping track of where and when you purchased your more expensive items (worth £250 or more) can also help smoothen the claims process. It’s not a bad idea to take photos of your receipts alongside the product, and store them somewhere you can always access, such as your Google Drive or iCloud.
Here are some alternatives to consider as well:
If you’re ever to file a claim, we will always work closely with you to ensure we have everything we need to find a suitable replacement.
After you submit your claim through the Lemonade app, you will be asked to enter your banking details. We can only make payments to a bank account opened in your name within the United Kingdom.
If your claim is approved, we’ll issue payment in pounds sterling, minus the amount of the excess (if it applies), directly into your account.
We offer 100% replacement cost. This means we’ll pay the cost to repair, or replace an item (whichever is lower) based on the price of a new item of the same make and model, without any deductions.
If the exact item is no longer available, we’ll reimburse you the amount required to buy a replacement of equivalent type and quality.
How does this work? Say you bought a camera for £500 three years ago, it was stolen yesterday. Today, the exact model sells at a reduced price of £350. You’ll be reimbursed £350.
Our goal is to settle claims as fast as we can - in some cases, instantly! (Yup, we hold a record).
However, if it’s not the first loss you are reporting, or if some of the information we require is missing our team will assess your case further with you, which may take a little longer.
The Lemonade Giveback is how we support the amazing non-profits who do good in the world. Insurance works by pooling small amounts of money (premiums) from a large group of people to pay for the unlucky few who suffer covered losses (claims). Since it’s impossible to predict how much money will be needed to cover these losses, some years, the amounts people are asked to pay may be higher than what’s needed. Often, there’s money left at the end of the year.
Whereas traditional insurance companies keep the money from unclaimed claims as profit, we don’t. Instead, after taking a flat fee upfront, we donate any leftover premium to non-profit causes chosen by the Lemonade community - you!
We calculate and pay the Giveback during the summer of each year.
We work with a wide range of organisations that align with our mission of transparency and progressive stances. We’re always listening to customer suggestions, and reacting to urgent current events, so we’re constantly adding to our diverse list of local, national, and global non-profits.
We assess the quality of non-profit organisations based on their transparency to the public, and their financial, fundraising, and administrative procedures.
You can read more about our Giveback here.
Yes! Feel free to email [email protected] so we can send you the list of options!
We’ll be happy to consider your cause for our Giveback program. For more information, reach out to us at [email protected].
Unfortunately not. The Lemonade Giveback is subject to board discretion. The Giveback is part of our corporate policy, and our goal is to donate to nonprofits every year.
Sometimes, peer groups who have chosen the same cause will not have any money left to give back because their claims that year depleted the Giveback pool.
Paying claims is our top priority, and in extreme circumstances, this could come at the expense of paying out the Giveback.
Lemonade only pays a Giveback with premiums from active policies. When you cancel your policy, you will get your unused premium for that month refunded to your account within three to five working days.
You’re more than welcome to send us an email at [email protected]. We’re available from Monday to Friday between 08:00 and 17:00.
If you’re only able to reach out to us after hours, we’ll make sure to get back to you as soon as possible!
We always aim to provide the best customer experience. If for any reason you aren’t happy with our service, please let us know. We take feedback very seriously and with an open mind for improvement.
You can file a complaint by emailing [email protected]. Our team is available Monday to Friday between 08:00 and 17:00.
Be sure to explain your concerns clearly and suggest how you would like the situation resolved. A dedicated claims handler will acknowledge and respond to your complaint from thereon. If we need some more time to process your complaint, we’ll let you know.
Should your complaint not result in a satisfactory resolution, you can raise your complaint with the Financial Ombudsman Service.