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Choosing Cover

We offer the following levels of home insurance cover for you to choose from:

  • Buildings Insurance only
  • Home Contents Insurance only
  • Buildings & Contents Insurance
  • Add personal possessions cover to your policy

(All include flexible payment plans)

Buildings - This covers:

  • The structure of your home including any gates, hedges and walls.
  • Structures within the boundaries of your home such as garages and sheds.
  • All permanent fixtures and fittings such as kitchen units, fitted wardrobes and bathroom suites.
  • You are covered against fire, storm or flood, theft, malicious damage, vandalism, subsidence and escape of water.

This also includes:

  • Free replacement of locks if your keys are stolen - up to £500.
  • Up to 20% of the buildings sum insured to pay for the cost of alternative accommodation if the home cannot be lived in because of loss or damage.

Optional Accidental Damage Cover

For extra peace of mind, you can add the accidental damage option to your buildings cover. This will cover accidental damage to your property (for example drilling through a pipe or putting your foot through the ceiling while in the loft).

Contents - This covers:

  • All household goods.
  • New (and greener) for old contents cover
  • Valuables - although you will need to tell us about individual items over a certain value.
  • Money in the home including unauthorised use of any cards - up to £250.
  • You are covered against fire, storm or flood, theft, malicious damage or vandalism, subsidence and escape of water.

This also includes:

  • Freezer contents - up to £500
  • Contents in the garden - up to £500

Only items within the household are insured. Items which are stored in an outbuilding within the boundary of the home provided they are locked away are also covered. If you want cover outside the home, you will need Personal Possessions cover.

Optional Accidental Damage Cover

For extra peace of mind, you can choose to add Accidental Damage cover to your contents cover. This will cover any accidental damage to, for example, your carpets, curtains, furniture, and so on. It would also cover mishaps such as knocking over an ornament or vase.

Optional Personal Possessions Cover

This covers your personal belongings (including pedal cycles), money and valuables away from the home. We'll even cover them anywhere in the world for up to 60 days a year.

Policy terms, conditions and exclusions apply to all of the above.

The best way to make sure you have all the cover you need is to work your way through each room making a list of what you own. If you do it properly, you'll be surprised at how many valuable possessions you've collected.

 

 

† 10% of customers buying Home Insurance online with us from January to May 2014 received a price that was at least 14% cheaper than the price they would have been offered had they called us. Discounts depend upon individual circumstances, level of cover & payment method. (Excludes optional extras)