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Home Insurance

Contents Insurance - What will your policy cover?

Contents cover up to £50,000

We'll cover you for the things you expect might happen - and all sorts of things you haven't dreamed of.

Our contents cover includes damage caused by fire, smoke, explosions, lightning, earthquakes, storms or floods. You're covered for water escaping from water tanks, pipes, equipment or fixed heating systems, as well as water freezing in tanks, equipment or pipes. And for heating fuel leaking from a fixed heating system.

Subsidence or heave of the land on which the buildings stand is covered, as is landslip, and falling trees or branches.

And you're obviously covered for theft or attempted theft. So far, so normal.

But then we'll also cover you for damage caused by riots, civil unrest, strikes, labour or political disturbances, and malicious people or vandals.

You're also covered for re-landscaping costs if your garden is damaged by any one of the events listed above.

If your property is hit by aircraft or other flying objects or items dropped from them, or vehicles or animals (a herd of rampaging cows?), you're covered.

You're covered if falling radio or television receiving aerials (including satellite dishes or their fittings) and masts land on your house.

We don't cover:

  • the excess(es) shown on your schedule
  • damage, loss or theft that happens after the home has been left unoccupied for more than the period shown in your schedule
  • loss or damage which happens gradually.

If you want contents cover over £80,000 or a buildings rebuild costs over £500,000 please call 0800 068 1577 for a quote. Lines are open Mon to Fri 9am to 5pm. On public holidays opening hours may vary.

Valuable contents up to £10,000

Includes stamp, coin and medal collections, pictures, other works of art, gold, silver and other precious metal, jewellery, watches and furs. There is a limit of £1,500 for individual items, anything over this will need to be specified separately.

Contents temporarily removed from home up to £5,000

We'll 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 don't 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 a building or used force, violence or deception to get in.

Contents in your garden up to £1,000

We'll provide cover for loss of or damage to contents which are in the open within the boundaries of the home, if the loss or damage is caused by anything listed under 'Contents in the home' section of the policy document.

We don't cover:

  • loss or damage that happens after the home has been left unoccupied for more than 30 days
  • loss of, or damage to, pedal cycles.

Accidental damage to home entertainment equipment, mirrors and glass up to sum insured

We'll 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 cameras fixed to your home.

We don't cover:

  • games consoles, video/digital cameras, satellite navigation systems, computer equipment and audio/audio visual equipment which are designed to be portable
  • 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.

Religious festivals and wedding gift cover up to £3,000

We'll increase the sum insured for contents by the amounts shown on your schedule:

  • during any month in which you celebrate a religious festival, to cover gifts and food bought for the occasion
  • during the 30 days before and 30 days after your wedding day to cover wedding gifts.

Buildings Insurance - What will your policy cover?

As with our contents cover, our buildings cover includes a fairly comprehensive set of eventualities. You're covered for damage caused by fire, smoke, explosions, lightning, earthquakes, storms or floods. Also for water escaping from water tanks, pipes, equipment or fixed heating systems, as well as water freezing in tanks, equipment or pipes. And for heating fuel leaking from a fixed heating system.

You're covered for theft or attempted theft. 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'll also pay reasonable costs for removing the fallen part of the tree, or the tree itself if it's been totally or partly uprooted.

You're also covered for more unexpected things. Damage caused by riots, civil unrest, strikes, or labour or political disturbances, and malicious people or vandals. Your property being hit by aircraft or other flying objects or items dropped from them, or vehicles or animals. Falling radio or television receiving aerials (including satellite dishes), their fittings and masts.

We don't 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
  • loss or damage which happens gradually.

Accidental damage to services, fixed glass and sanitary fittings

We'll provide cover for accidental damage to cables and underground pipes, which provide services to or from your building, including septic tanks and drain inspection covers that you are legally responsible for.

We won't cover damage due to a fault or limit of design, manufacture, construction or installation, or loss or damage that happens after the home has been left unoccupied for more than the period shown on your schedule.

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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