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What's covered?

You can choose buildings insurance, contents insurance, or both. 

Buildings insurance
As well as covering the structure of your home and fixtures and fittings, our buildings insurance also covers the cost of things like architects, surveyors and builders if you have to rebuild your home. It also covers your liability as property owner up to a limit of £2,000,000.

Contents insurance
This covers pretty much everything from sofas to satellite dishes, wardrobes to washing machines – all the things you’d pack up and take with you if you moved. 

What's covered?
How much cover?
Valuablesup to £1,500 for a single item or collection
The things in your gardenup to £500
Replacement locks if your keys are stolen up to £500
The cost of new title deeds if they’re damaged while they’re in your home or bank up to £250
Freezer contentsup to £500
Money while it’s in the house up to £300
Home office equipment, like a computer, printer or fax machine up to £5,000
Accidental damage to your TV, video player, DVD player, home computer, hi-fi and TV games consolesrepair cost or replacement value
Glass and mirrorsrepair cost or replacement value
Home contents while you’re moving house (when using professional removers)Up to your contents sum insured
Occupier's and personal liability coverup to £2,000,000
Tenant’s liability coverup to 20% of the sum insured
Employer’s liability coverup to £10,000,000

We’ll also increase your cover by 10% over Christmas and if someone in your family gets married we’ll up the cover by the same amount for 4 weeks both before and after the big day. At no extra cost.

WHAT ARE YOUR BUILDINGS AND CONTENTS COVERED AGAINST?

All sorts of nasties, like:

  • Fire, smoke, lightning, explosion or earthquake.
  • Riot, civil commotion and political disturbances.
  • Storm or flood.
  • Theft, attempted theft, vandalism or other malicious acts.
  • Oil or water escaping from your heating system or appliances.
  • Subsidence or landslip.   

OPTIONAL EXTRAS

You’d be surprised how little they cost, but the benefits are plain to see.

  • Accidental Damage – you can add this to your buildings, contents or both.
  • Personal Possessions – this covers personal stuff when it’s outside your home, things like your camera, jewellery and mobile phone.
  • Family Legal Protection – gives you access to a team of legal experts. If you have a case for a claim, we’ll pay up to £50,000 of your costs.                 

And if you cycle, your bike is covered when it’s in your house and garden. But if you’d like to cover it when you’re out and about on it, you can call us for a quote on 0800 051 0595.

Remember, some limits and exclusions apply – have a gander at the policy document
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