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Home Insurance

What else do you need?

Home Emergency Cover

  • up to £1,000 for labour, parts and materials per incident
  • hotel accommodation costs up to £1,000 if your home is uninhabitable
  • no excess to pay
  • £500 boiler contribution for boilers declared beyond economical repair
  • loss of essential services eg boiler breakdowns
  • roof damage following a storm
  • plumbing emergencies
  • electrical emergencies and breakdown
  • lost keys or damage to locks, doors and windows
  • pest infestation of rats, mice, wasps or hornets.

Home Emergency Cover isn't a service and maintenance product and doesn't cover damage due to wear and tear (eg dripping taps).

It doesn't cover breakdown of electric showers or domestic appliances like washing machines, and doesn't cover problems you were already aware of when you bought cover.

Legal expenses up to £50,000

Legal Service Cover provides you with a lawyer if you need one, and up to £50,000 of legal costs to pursue or defend a wide range of disputes including:

  • personal injury
  • employment
  • property
  • medical negligence
  • consumer issues.

Extended Accidental Damage - Buildings

Extra cover includes:

  • putting your foot through the ceiling
  • hammering a nail through a pipe
  • damaging wood or tiled flooring.

It doesn't cover:

  • the excess(es) shown on your schedule
  • damage caused by wear and tear, settlement and shrinkage, vermin, insects, fungus, weather conditions, or any damage which happens gradually
  • damage caused by chewing, scratching, tearing or fouling by domestic animals
  • damage caused by faulty materials or design, or poor workmanship.

Extended Accidental Damage - Contents

This covers:

  • knocking over a favourite ornament and damaging it
  • sitting on your glasses at home
  • spilling a drink on your carpet
  • damage to portable computers when in the home.

It doesn't cover:

  • the excess(es) shown on your schedule
  • food in freezers, clothing, contact lenses, stamps and pedal cycles
  • damage caused by wear and tear, light, weather conditions, moths, vermin, insects, fungus, damp, rust, wet or dry rot, or anything which happens gradually
  • damage caused by chewing, scratching, tearing or fouling by domestic animals.

Personal belongings

Protect your personal belongings, wherever you are in the world. You can select cover between £2,000 and £10,000 with a single item limit of £1,500.

Your chosen limit will be shown in your policy schedule.

We don't cover:

  • the excess(es) shown on your schedule
  • theft from an unattended vehicle (other than from a locked and concealed boot, concealed luggage compartment or closed glove compartment of a securely locked vehicle which has been broken into by using force and/or violence).
  • loss or damage caused by wear and tear, light, weather conditions, moth, vermin, insects, fungus, damp, rust, wet or dry rot, or anything which happens gradually
  • loss or damage to sports racquets, sticks, bats and clubs while in use.

Pedal cycles - between £300 and £2,500 towards loss or damage

Protect your pedal cycles wherever you are in the world:

We don't cover:

  • loss or damage to tyres or accessories unless the pedal cycle is stolen or damaged at the same time
  • theft while away from the home, unless in a building or securely locked to an immovable object.

Clerical business equipment cover - up to £5,000 if you work from home

Up to £5,000 of cover is available for loss, damage or theft of clerical business equipment, including £500 of cover for stock and samples used in connection with your employment when stored at your home, and up to £300 for business money and credit cards used for the purpose of your business.

Clerical business stock or trade samples doesn't include wines, spirits or tobacco, furs, antiques or works of art, jewellery, precious metals or stones, or any articles made from them, chemicals or any hazardous materials.

Please make sure you read the Policy Summary before getting a quote or applying. You'll find full details in our Policy Booklet.

Get a quote

Not covered yet?

Apply quickly online and new Home Insurance customers get 15% off - either Buildings or Contents or both (minimum premiums and Terms and Conditions [PDF] apply). Or give us a call:

03 456 100 101

Available Mon-Fri, 8am-9pm and Sat-Sun, 9am-5pm. On public holidays opening hours may vary.

Existing policy holders

Amend/Renew my policy

03 453 006 031

Available Mon-Fri, 8am-8pm and Sat-Sun, 9am-5pm. On public holidays opening hours may vary.

Make a claim

03 453 006 032

Open 24 hours a day.

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