Cover at a glance
Simply click on the tabs below to see a brief summary of what is included within our cover. We offer 2 levels of home insurance cover dependent upon your needs. Home Essential cover offers essential cover with no accidental damage; if you want some accidental damage cover then choose our Home Plus cover.
For full details please view our Home Insurance policy document
| Our home essential contents cover includes: | How much cover: | |||
|---|---|---|---|---|
| Contents | up to £60,000 | |||
| Contents in your garden | up to £1,000 for items such as garden furniture and £500 for plants | |||
| Valuables | Total valuables up to £24,000, up to £12,000 for a single valuable item | |||
| Rent or alternative accommodation for you and your pets | up to £18,000 | |||
| Business equipment | up to £5,000 including £500 for stock | |||
| Contents temporarily removed from the home | up to the sum insured | |||
| Money in the home | up to £500 | |||
| Weddings and religious festivals - increased cover for 30 days before and after the event | sum insured is automatically increased by 10% to cover extra gifts and provisions |
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| Our home plus contents cover also includes: | How much cover: | |||
| Accidental damage to fixed glass in furniture, mirrors and hobs | up to the sum insured | |||
| Accidental damage to entertainment equipment, for example a computer, TV or DVD player | up to the sum insured |
| Our home essential buildings cover includes: | How much cover: | |||
|---|---|---|---|---|
| Buildings cover (to rebuild your home) | up to £1,000,000 | |||
| Property owner's liability | up to £2,000,000 | |||
| Alternative accommodation or loss of rent | up to £100,000 | |||
| Replacement locks following theft of keys | up to £500 |
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| Our home plus buildings cover also includes: | How much cover: | |||
| Accidental damage to underground pipes and cables | up to buildings sum insured and up to £5,000 towards the necessary costs in locating the source of the damage | |||
| Accidental breakage of fixed glass in windows and bathroom fittings | up to buildings sum insured |
Additional Cover options
For even greater protection, we offer a range of additional cover options which you can choose to add to your Home Insurance policy. When you get a quote you will be able to tailor the cover to meet your needs and budget by adding some of our additional covers.
If you choose to add our Emergency Home Assistance and your home is damaged, for example if a pipe bursts, you can call us 24 hours a day, 7 days a week, through a dedicated Home emergency cover line and we will arrange for an approved tradesman to help out, with up to £1,000 cover per emergency.
If you choose to add our Family Legal Protection you will receive expert legal cover for up to £50,000 of legal costs / expenses with a dedicated Legal Advice line open 24 hours a day, 7 days a week for you or any member of your family living in your household.
You can choose to cover your everyday possessions for you and your family (like mobile phones, MP3 players, cameras, jewellery) to give you extra peace of mind while you are out and about - anywhere in the world should you lose or damage them.
You can choose to protect your pedal bike from loss or damage even when you are abroad for up to £2500.
To ensure your identity is kept safe and secure choose our Identity Theft Cover. In the unfortunate event that you experience identity theft you can call our helpline which you can use to help resolve your theft. We also provide preventive advice to stop identity theft happening in the first place. Our identity theft cover also includes reimbursements for legal fees and expenses incurred. Identity Theft Cover is up to £50,000.
For extra peace of mind, in addition to the basic accidental damage cover you enjoy from our Home Plus cover, you can choose to upgrade to Wider Accidental Damage so you will also be covered should damage occur, for example:
- to the floor, ceiling or walls resulting from a DIY disaster
- to the carpet by spilling wine on it
- to tiles by dropping a hammer on them
- to a sofa by spilling paint on it
Terms, limitations and exclusions apply. For more information please view our Summary of Cover.
If you have any questions about what is covered please call us on 0800 328 8830. Our lines are open Monday - Friday 8am - 9pm, Saturday 9am - 6pm and Sunday 10am - 2pm.