Home Insurance
Summary of Cover
Norwich Union offer both Buildings insurance and Contents insurance, and provide a discount if you buy a combined Buildings and Contents policy.
The table below outlines the key features of our home insurance policy so you can compare at a glance our standard cover limits and our optional trade ups.
Key:
- Included as standard
- Not available for this level of cover
- Optional cover which can be added to your policy for an additional cost
Contact us
0800 068 5984
Monday to Friday 8.00am - 10.00pm
Saturday 8.00am - 6.00pm
Sunday 10.00am - 4.00pm
For our joint protection, telephone calls may be recorded and/or monitored
Ask us
| Standard policy features | Contents | Buildings | Standard limit | Increased limit available |
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| Fire, Theft, Flood etc | |
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What we will pay out for... The policy provides cover as standard for damage to your property from the following eventualities:
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| Home contents - with "New for old" replacement | |
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Up to £100,000 |
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What we will pay out for... Norwich Union can provide home contents cover for sums between £15,000 and £100,000 (depending on the area where you live – call us on freephone 0800 068 5984 if you would like more details, calls may be recorded and/or monitored). Cover is provided on a “New for old” basis, which means that any items which are lost, stolen or damaged beyond repair are replaced with brand new items of the same specification: removing all the hassle of sourcing replacements. |
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| Accidental damage cover for TVs/DVD players/audiovisual equipment | |
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What we will pay out for... Our home contents insurance provides accidental damage cover to audiovisual equipment and fixed glass as standard, so, for example, if your Wii controller flies out of your hand and damages the tv, you’re covered! Items covered as standard include:
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| Accidental damage to fixed glass and bathroom fittings | |
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What we will pay out for... Our home buildings insurance provides accidental damage cover for any fixed glass or bathroom fittings in your home, so if you crack the sink or break the toilet cistern accidentally, you’re covered! Items included as standard include:
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| Valuables with a single article limit | |
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£1,500 | |
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What we will pay out for... Norwich Union provide £6,000 of cover for valuables as standard. We consider valuables to be items such as:
As standard, we’ll pay up to £1,500 for a single item. If you have any individual items which are worth more than £1,500 these will need to be specified. Please call us on 0800 068 3662 if you need to specify any items (calls may be recorded and/or monitored). |
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| Personal money | |
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£250 | |
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We cover cash in your home up to a value of £250. For insurance purposes, we would also class the following as cash, and pay out in the event of loss or damage:
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| Contents in garage/outbuildings | |
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£1,500 | |
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Our contents insurance provides cover of up to £1,500 for the contents of your garage or any outbuildings on your property. If your garage is integral to the property, then the contents are covered up to your total sum insured. This cover applies to theft claims only; we pay up to the sum insured for any other types of claims e.g. fire |
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| Contents in the garden | |
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£250 | £1,250 |
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What we will pay out for... This feature provides cover up to a standard limit of £250 for contents in the garden, such as furniture or washing left on the line, in the event of fire, malicious damage, collision or lightning. Please see Norwich Union Home Insurance policy wording for full details and exclusions. |
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| Replacement locks | |
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£500 | |
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What we will pay out for... If your keys are lost or stolen and you believe that your home is in danger, Norwich Union will pay for the locks on your home to be replaced as a precautionary measure. We also cover the replacement of any keys for alarm systems as standard. |
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| Food in the freezer | |
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£400 | |
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What we will pay out for... Up to £400 is provided as standard to cover the spoilage of food in the freezer due to the power being disconnected accidentally or due to a power shortage. |
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| Loss of heating fuel or metered water | |
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£1,000 | |
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What we will pay out for... If either your water system or heating fuel tank become damaged and you accidentally lose metered water or fuel, we will pay out up to £1,000 to ensure that you’re not out of pocket. |
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| Loss of rent/alternative accommodation | £6,000 | 20% of the total sum insured | |
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If your home is rendered uninhabitable as the result of a claim, we'll ensure that you and your loved ones are provided with suitable alternative accommodation for the duration of the claim: up to a total of £6,000 for contents insurance or 20% of your total sum insured for buildings. |
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| Household removals | |
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Up to your contents sum insured | |
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What we will pay out for... Moving house can be a stressful business, but we ensure that the process is as painless as possible by providing cover for your possessions. This feature of our home insurance policy includes: Cover for your contents while being moved by professional removers from your existing home to your new permanent home (including temporary storage in a furniture depository for up to 7 days). Please note this cover only applies if both your existing and new home are insured with us. Limits and exclusions apply; please read the Home insurance policy information document for full details. |
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| Tracing/accessing leaks | |
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£5,000 | |
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If there's a water leak causing damage to your home we'll pay up to £5,000 to uncover the source of the leak and make good afterwards. |
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| Occupiers or personal liability cover | |
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£2,000,000 | |
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What we will pay out for... Liability insurance provides cover for your legal liability to third parties. This usually applies to accidents resulting in injury to people or damage to property. This means that if you cause damage to a third party and/or their property and are held legally liable, the third party will receive financial compensation. Occupiers liability provides cover of up to £2,000,000 to cover your responsibility as the occupier of your house. Cover is provided if:
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| Employer’s liability cover | |
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£10,000,000 | |
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Employer's liability gives you up to £10m protection if a domestic employee, such as a gardener or cleaner, has an accident or becomes ill while working for you and you are legally responsible to pay damages. |
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| Liability to the public | |
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£2,000,000 | |
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This gives you up to £2m protection if someone is injured, falls ill or their property is damaged at the insured building and you are legally responsible, as the owner of the property, to pay damages. Please note that accidents which happen in buildings or on land are nearly always the responsibility of the occupier rather than the owner. If you are both the owner and the occupier of the building, to protect yourself you will also need to arrange contents insurance which provides occupier's liability cover. |
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As you can see, our standard policy is a comprehensive one, but no two households are the same, so we offer a range of options to allow you to tailor your policy to cover what's most important to you:
| Optional policy features | Contents | Buildings |
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| Extra Accidental Damage Cover | |
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What we will pay out for... In addition to our standard contents accidental damage cover, we offer the option to extend your home insurance policy to provide total peace of mind and cover accidental damage for most of the possessions in your home (apart from clothing, contact lenses or pedal cycles). Specific incidents covered include:
We also provide the option to extend our standard buildings accidental damage cover to the rest of your buildings to cover incidents such as:
These options are available for an additional premium. |
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| Protected No Claims Discount | |
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Norwich Union is unusual amongst home insurers in that we not only reward you for not claiming on your home insurance policy, we also provide the option to protect your No Claims Discount as you would with your car insurance. |
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| Personal Belongings Cover (in and away from home) | |
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What we will pay out for... Additional personal belongings cover insures your personal effects while in and away from your home. This cover is provided both in the UK and anywhere else in the world. We’ll cover you for:
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| Legal Services | |
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What we will pay out for... For just £18.50 a year we can provide 24 hour, 365 days a year access to a helpline and claims service, where legal professionals can provide you with free and confidential legal advice. We also provide £50,000 in legal costs to pursue or defend your case in court in a wide range of situations:
We consider this cover to be so valuable that we default it to be included in your quote as standard. If you already have independent legal advice, then simply remove it to reduce your premium. |
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| Additional Garden Cover | |
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What we will pay out for... If you’re proud of your garden then our standard contents in the garden cover may not be sufficient. Selecting this additional upgrade increases your cover from £250 to £1,250 for contents in your garden such as garden furniture or children’s toys. We also provide cover of up to £2,500 for re-landscaping if your garden is damaged by causes such as fire, theft or malicious damage etc. |
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| Home Emergency Cover | |
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What we will pay out for... Home emergency cover is an invaluable option for any homeowner. For just £54 per year we can provide the peace of mind that when a domestic emergency occurs in your home, a reliable tradesman will visit your home to carry out emergency repairs - normally the same day! Repairs are covered up to a value of £500, and emergency situations covered include:
There is no excess to pay for any home emergency cover claims too! |
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| Pedal Cycles Cover | |
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What we will pay out for... Cycles are covered under our standard Contents policy within your shed, garage or home (but not your garden). If you wish to cover your pedal cycle(s) away from home, we offer a pedal cycles option which covers each of your family's cycles up to your chosen limit (between £300 and £1,500). Cycles are covered while anywhere in the world. This cover is not available online: if you would like a quote for including additional "pedal cycle" cover, please call us freephone on 0800 068 5984 (calls may be recorded and/or monitored) |
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