Buildings Insurance cover
Buildings insurance covers the costs you’d face if your home needed to be repaired or rebuilt as a result of a number of types of damage: water damage, fire, flood, storm, malicious damage, impact or theft. In the event of a claim there is a £50 excess payable except for escape of water where there is a £250 excess for each and every incident. Our standard cover includes:
- Rebuilding or repairs up to £1 million
- Accidental damage to the fabric of cables, underground pipes and drains and their inspection covers, serving your home and for which you are responsible
- Up to £2 million Public Liability cover
- £10,000 rebuild cover for any outbuildings on a permanent foundation
- Fixed glass, such as patio doors, windows and solar panels are covered against accidental damage
- Alternative accommodation – up to £100,000 for temporary accommodation if you have to move out of your property because of damage covered by the policy
- Accidental damage to bathroom fixtures and fittings
- 24-hour legal advice helpline
- Identity Theft Assistance Service
- To view key policy benefits and exclusions for buildings insurance, download our home insurance policy summary. For full terms and conditions of our policy, download our home insurance policy booklet.
Contents Insurance cover
Home contents insurance protects your household goods and personal belongings in your home. You’re covered against loss and theft and against damage including riot, malicious damage, impact, fire, flood, storm and water damage. There is a £50 excess fee if you need to make a claim except for escape of water where the is a £250 excess for each and every incident, the standard contents insurance cover includes the following:
- Up to £50,000 to replace lost, stolen or damaged possessions (can be increased up to £100,000)
- New for old replacements on damaged or stolen items
- Accidental damage to televisions, computers, videos and dvd players
- Up to £1000 for damage to food in any refrigerator or deep freezer
- Alternative accommodation up to £10,000
- Up to £2 million public liability cover
- £5,000 contents cover for outbuildings on a permanent foundation
- 24-hour legal advice helpline
- Identity Theft Assistance Service
- New for old replacements on damaged or stolen items (excluding clothing/linen over 3 years old)
Extras
To help make sure your cover reflects your individual needs, we offer a number of additional options. You can add on:
- Additional Accidental Damage cover, including damage to glass, china, porcelain, earthenware, stone or other fragile material up to £250
- Special cover for high value items worth over £1,500 you need to list these separately on your cover and keep valuations up to date. In case of a claim, your insurer may want to see proof of valuation
- Personal belongings away from home – up to an overall total of £5,000, including up to £1,500 each for items such as luggage, cameras and jewellery; £500 for lost or stolen credit cards and £500 cash
- Pedal cycles – extra cover to protect them when you padlock them away from home (your standard policy will cover cycles if they are stolen or damaged from a locked building at home) - £1,000 per pedal cycle and £2,000 in total.
