Below is a summary of our main cover limits in order to help you choose the right home insurance policy to suit your needs. Details of the additional cover options available for contents insurance and buildings insurance are also listed.
= Cover available
= Cover not available/not applicable
Been claim-free for 5 years? Get half price Buildings & Contents insurance, full value cover.
| Cover type | Contents | Buildings | Standard limits | Increased limits available |
|---|---|---|---|---|
| Loss / damage from specific events e.g. fire, theft, storm and flood | |
|
|
|
| Home contents - with "new for old" replacement | |
|
|
Up to £100,000* |
| Valuables with a single article limit | |
|
£1,500 | |
| Personal money | |
|
£250 | |
| Contents in garage / outbuildings | |
|
£1,500 | |
| Contents in garden | |
|
£250 | £1,250 |
| Replacement locks | |
|
£500 | |
| Food in the deep freezer | |
|
£400 | |
| Loss of heating fuel and metered water | |
|
£1,000 | |
| Occupiers or personal liability | |
|
£2m | |
| Employer's liability | |
|
£10m | |
| Loss of rent / alternative accommodation | £6,000 | 20% of sum insured | |
|
| Household removals | |
|
Up to contents sum insured | |
| Tracing and accessing leaks | |
|
£5,000 | |
| Accidental damage cover for television video audio or audiovisual | |
|
|
|
| Buildings, including damage to services and breakage of fixed glass and sanitary fittings | |
|
|
£500,000 |
| Liability to the public | |
|
£2m | |
* We can provide home contents cover of up to £100,000 online in certain areas.
Higher limits may be available via our call centre - please call 0800 068 5984 (calls may be recorded and/or monitored) to discuss your requirements with an advisor.
The standard policy excess is £100 (except buildings subsidence excess which is £1000).
| Cover type | Contents | Buildings |
|---|---|---|
| Extra accidental damage | |
|
| Additional garden cover | |
|
| Personal belongings (in and away from home) | |
|
| Legal Services | |
|
| Home Emergency | |
|
Buildings Cover
Extra Accidental Damage Cover for your buildings insurance extends your standard cover to include accidental damage to the rest of your buildings.
For example, our standard cover includes accidental damage to underground pipes and cables, fixed glass, and sanitary fixtures and fittings (e.g. baths, shower trays, sinks etc).
By choosing our extra accidental damage cover for buildings option you extend this cover to include accidental damage to the rest of your buildings e.g. Putting your foot through the ceiling, hitting a nail into a water pipe.
Your normal buildings excess applies to accidental damage claims.
Contents cover
If you choose Extra Accidental Damage Cover for your home contents insurance, we'll extend the standard accidental damage cover to most possessions in your home (though not clothing, contact lenses or pedal cycles).
Our standard cover includes accidental damage to your radios, television sets (including digital set top boxes and satellite receivers) and computers, games, recording and audio equipment, mirrors and fixed glass.
Taking out extra accidental damage cover for your home contents insurance extends this cover to include most contents and soft furnishings, like curtains and sofas for accidental breakage and spillage e.g. if you spill a glass of red wine on your carpet you will be covered.
Your normal contents excess applies to accidental damage claims.
Selecting this cover increases the limit from the standard £250 up to £1,250 for contents in your garden e.g. Garden furniture and children's toys.
You are covered up to £2,500 for re-landscaping if your garden is damaged by certain causes, e.g. fire, theft, collision or malicious persons.
Your normal contents excess applies.
Additional personal belongings cover insures your personal effects while in and away from your home in the UK or anywhere in the world. We will cover you for loss of, or damage to:
Your normal contents excess applies.
For just £18.50 a year you get 24 hour access to a helpline where legal professionals give you free confidential legal advice.
We also cover you for up to £50,000 in legal costs to pursue or defend your case in a wide range of situations
For example:
Legal Services also covers any family member living with you.
There is nothing for you to pay in the event of a claim under this section.
Home emergency cover is available to all homeowners. For just £54 a year, we will ensure a reliable tradesman attends your home - normally the same day - to carry out emergency repairs up to the value of £500 per incident in the event of a domestic emergency at your home.
Emergency situations covered include:-
There is nothing for you to pay in the event of a claim under this section.
