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What we cover

Below you will find a summary of the main benefits provided by our home insurance. For full details of cover please refer to your policy wording.

Buildings cover

Your building

We will cover the structure of your building against loss or damage up to £500,000. This includes damage caused by or involving:

  • Fire, smoke, explosion, lightning or earthquake
  • Storm or flood
  • Escape of water or oil
  • Plumbing installation
  • Theft or attempted theft caused by violent and forcible entry or exit
  • Collision or impact
  • Riot, civil commotion or political disturbances
  • Malicious damage or vandalism
  • Subsidence or landslip
  • Falling trees, telegraph poles, lampposts, fixed aerials, dishes and masts
  • Underground pipes, tanks, cables and services for which you are responsible

Alternative accommodation

If your building becomes uninhabitable following insured damage, we will cover the costs of alternative accommodation up to £100,000 for a maximum of 12 months.

Trace and access

We will cover the costs of tracing and accessing the source of leak for escape of water and oil up to £1,000.

Glass and fixtures

We will cover accidental damage to fixed glass, sanitary fixtures and ceramic hobs up to £500,000.

Public liability

We will cover your legal liabilities which arise from your ownership of your building up to £2,000,000.

Replacement of locks and keys

We will cover you up to £750 against replacing lost keys or damaged locks.


Contents

Your contents

We will cover the contents in your home against loss or damage up to £50,000. This includes loss or damage caused by or involving:

  • Fire, smoke, explosion, lightning or earthquake
  • Storm or flood
  • Escape of water or oil
  • Theft or attempted theft caused by violent and forcible entry or exit
  • Collision or impact
  • Riot, civil commotion or political disturbances
  • Malicious damage or vandalism
  • Subsidence or landslip
  • Falling trees, telegraph poles, lampposts, fixed aerials, dishes and masts
  • Underground pipes, tanks, cables and services for which you are responsible

Personal effects

We will cover loss or damage of clothing or other items normally carried on or kept about you whilst they are within your home.

We cannot cover mobile phones, laptop computers, iPads and tablet computers, computer software, hand-held computers or electronic toys against accidental damage.

Valuables

We will cover damage caused to your valuables in the home up to £10,000, with a single item limit of £2,000.

Alternative accommodation

If your building becomes uninhabitable following insured damage, we will cover the costs of alternative accommodation up to £10,000 for a maximum of 12 months.

Deep freezer contents

We will cover damage to food stored in a domestic deep freezer up to the value of £500.

Personal money and credit cards

We will cover loss of money in your home up to £750, and your liability under the terms of your credit cards up to £1,000.

Office equipment

We will cover damage to office equipment which is used for your business, including computers, monitors, scanners and printers, up to £2,500.

Visitors’ personal effects

We will cover damage caused in your home to visitors’ personal effects up to the value of £500.

Weddings, birthdays and religious festivals

We will increase your total contents cover by £3,000 to cover wedding, birthday, Christmas or other gifts. Cover applies:

  • during the month of any religious festival or celebration
  • for 30 days before and after your wedding day, and;
  • for 7 days after family birthdays

Replacement of locks and keys

We will cover you up to £750 against replacing lost keys or damaged locks.

Contents in the garden

We will cover contents kept in your garden up to £500.

Public liability

We will cover your legal liabilities which arise from you occupying your property up to £2,000,000.

Accident to domestic employees

We will cover you up to £10,000,000 against the costs of compensation for accidental death, bodily injury, illness or disease of any domestic employee.

Contents temporarily removed

We will cover your contents up to £5,000 against loss or damage whilst they are at an occupied address where you or a member of your family is residing or employed. We will also cover your children’s contents up to £2,000 while they are at university or college and contained within halls of residence or private accommodation.


For full details of cover please refer to your policy wording.