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What is covered in your insurance plans?

  • Updated

Our home Insurance policies are one of the most comprehensive in the market, with a wide range of complimentary optional extras available to tailor the cover to your needs.

 As Standard

  • New for old replacement of items ✔️

  • No cancellation or adjustment fees ✔️

  • All repairs guaranteed for 12 months ✔️

  • Only pay for the cover you want ✔️

  Buildings Cover

  • Loss or damage to your buildings from specific events (e.g. fire, theft, storm, flood, subsidence, escape of water etc.)
    £1 million

  • Accidental breakage of fixed glass in doors, windows and greenhouses, sanitary fixtures and fittings and solar panels ✔️

  • Accidental damage to your buildings (e.g. putting your foot through a ceiling) ✔️

  • Liability as the owner of your home
    £2 million

  • Cost of alternative accommodation should your home become uninhabitable
    £200,000

  • Costs of sourcing and making good a leak in your property (Trace & Access cover), escape of water etc.
    Up to £1 million

  Contents Cover

  • Loss or damage to your contents from specific events (e.g. fire, theft, storm, flood, escape of water etc.)
    Up to £100,000

  • Accidental damage to computer equipment (but not portable items such as laptops), TVs, videos, DVD players etc ✔️

  • Accidental damage to your contents (e.g. spilling wine on a carpet)
    Optional

  • Cover for high risk items
    £20,000 (included in the contents sum insured)

  • Cover for items taken away from the home (such as handbags, jewellery and mobile phones)
    Optional

  • Cover for money in the home
    £750

  • Cover for items left in the open in the garden
    £1000

  • Cover for items stolen from a shed or garage
    £5,000 (limit of £3,000 per outbuilding)

  • Student belongings
    £5,000

    Let Home Emergency Cover

    We’ll provide up to £1,500 cover for each home emergency with no annual maximum:
    Emergencies such as boiler breakdown, burst water pipes or a blocked toilet, pest infestations, lost or stolen house keys, failure of electrical power or gas supply, roofing problems, broken or damaged windows and doors that are a security risk. We will also contribute £500 towards a new boiler if it cannot be repaired.
    Optional

    Landlord Legal Expenses

    The policy provides cover up to £150,000 for professional fees in the following areas:
    Property Rights, Employment Disputes, Pursuit of civil claims for personal injury or death, Consumer disputes and defence, Probate, Tax investigations and Property Damage.
    Optional