Your home insurance cover

You can obtain home insurance cover for your household contents, the building itself, or both building and contents combined.

On both buildings and contents cover you have the option to extend the standard cover to include accidental damage, to protect against those little accidents that happen from time to time such as spilling paint on the carpet, or a DIY disaster.

Your home insurance cover includes:

  • No claims discount.
  • Accidental damage to TV and computers, as standard.
  • Accidental damage cover for glass, as standard.
  • Replacement locks if your keys get stolen.
  • New-for-old cover (except clothing and household linen).

You will have the option to extend standard contents cover to cover items away from the home, such as pedal cycles, items of jewellery, or sports equipment.

Plus, you can tailor your policy to your needs by choosing from these optional extras:

Home emergency cover

Emergency property assistance with 24 hour access to a specialised team who can appoint a qualified tradesman 365 days a year. It provides cover for things like your primary heating system failing, failure of the electricity or gas supply or infestation of pests.

Family legal protection

Legal advice with 24 hour access to a team of experts. They will be able to talk to you in confidence about any private legal issues, such as faulty goods or employment disputes. If you have a case the policy can pay up to £50,000 for your legal costs.

Personal items cover

Providing you with extra protection for your portable possessions, which you take out of your home, such as jewellery, glasses, cameras and mobile phones. Your contents insurance only covers these items while in the home, but Personal Items cover covers your possessions if you take them out of the house, for example you take your camera to take photos on a day out.

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