Home Insurance

Contents cover includes damage caused by fire, smoke, explosion, lightning, earthquake, storm or flood. It also covers damage caused by riots, civil unrest, strikes, labour or political disturbances, and malicious people or vandals.

You’re covered if your property is hit by aircraft or other flying objects or items dropped from them; or vehicles or animals. Also, for water escaping from water tanks, pipes, equipment or fixed heating systems, as well as water freezing in tanks, equipment or pipes. Additionally, for heating fuel leaking from a fixed heating system.

You’re covered for theft or attempted theft, falling radio or television receiving aerials (including satellite dishes), their fittings and masts, subsidence or heave of the land on which the buildings stand, or landslip, and falling trees or branches.

We will not cover the excess(es) shown on your schedule, property insured by any other policy, items used for business purposes or any living creature.

We will provide cover up to the limit shown on your schedule for loss of or damage to contents by any of the causes listed under 'Contents within the home' while temporarily removed from the home to any bank or safe deposit, or any private home or building where you are living (including while attending full-time education), employed or working in the British Isles or anywhere else in the British Isles.

We will not cover:

• more than the limit shown on your schedule for loss or damage to contents in garages and outbuildings
• loss or damage by theft, unless someone has broken into, or out of a building using force and violence or deception to get in.

We will provide cover for accidental damage up to the limit shown on your schedule to television sets (including digital and satellite receivers), DVD/video players and recorders, games consoles, home computers and audio equipment in the home; and receiving aerials, dishes and CCTV (closed circuit television) cameras fixed to the home.

We will not cover:

• games consoles, audio/visual equipment, laptops or computer equipment designed to be portable
• digital/video cameras and satellite navigation systems
• damage caused by wear and tear or anything which happens gradually
• damage caused by the process of cleaning, washing, repairing or restoring any item
• electrical or mechanical breakdown
• damage caused by chewing, scratching, tearing or fouling by domestic animals.

Building cover includes damage caused by fire, smoke, explosion, lightning, earthquake, storm or flood. It also covers damage caused by riots, civil unrest, strikes, or labour or political disturbances, and malicious people or vandals.

You’re covered if your property is hit by aircraft or other flying objects or items dropped from them; or vehicles or animals. Also, for water escaping from water tanks, pipes, equipment or fixed heating systems, as well as water freezing in tanks, equipment or pipes. Additionally, for heating fuel leaking from a fixed heating system.

You’re covered for theft or attempted theft, falling radio or television receiving aerials (including satellite dishes), their fittings and masts, subsidence or heave of the land on which the buildings stand, or landslip, and falling trees or branches. If we accept a claim for damage to buildings by falling trees we will also pay reasonable costs you have to pay for removing from the site the fallen part of the tree; or the tree itself if it has been totally or partly uprooted.

We will not cover:

• the excess(es) shown on your schedule
• damage that happens after the home has been left unoccupied for more than the period shown on your schedule.

Access to our network of approved tradesmen, 24 hours a day, 7 days a week Home Emergency covers the cost of call out, parts and labour up to £500. No policy excess applies.

We will not cover:

• any emergency which happens before Home Emergency cover starts or within 7 days of the start date of this cover
• any loss or damage caused by a boiler or heating system which has not been properly maintained or which is over 15 years old
• the cost of replacing parts due to natural wear and tear
• water-supply pipes outside the home or damage to boundary walls, hedges, fences or gates.

Up to £50,000 towards legal costs. Includes: residential disputes, personal injury and boundary disputes.

We will not cover disputes where the agreement was made prior to the period of insurance.

Extra cover includes:

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

We will not 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
• damage caused by subsidence, heave or landslip.

You also have the option to purchase additional accidental damage cover for your contents, which includes:

• 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.

We will not cover:

• the excess shown on your schedule
• food in freezers, clothing, contact lenses, stamps and pedal cycles
• damage caused by wear and tear, light, weather conditions, moth, 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.

Protect your personal belongings, wherever you are in the world.

We will not cover:

• the excess(es) shown on your schedule
• theft from an unattended vehicle
• 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.

Minimum £300 and up to £2,500 towards loss or damage.

We will not 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 object that cannot be moved.

Up to £5,000 if you work from home.

We will not cover:

• motorised vehicles, aircraft, boats, sailboards, surfboards, jet skis, caravans, trailers, pedal cycles and parts and accessories of any of these.

Clerical business stock or trade samples does not include:

• motorised vehicles, 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.