What's covered?

 

You can choose buildings insurance, contents insurance, or both. 

Buildings insurance
As well as covering the structure of your home and fixtures and fittings, our buildings insurance also covers the cost of things like architects, surveyors and builders if you have to rebuild your home due to an insured peril. It also covers your liability as property owner up to a limit of £2,000,000.

Contents insurance
This covers pretty much everything from sofas to satellite dishes, wardrobes to washing machines – all the things you’d pack up and take with you if you moved. 

We’ll also increase your cover by 10% over Christmas and if someone in your home gets married we’ll up the cover by the same amount for 4 weeks both before and after the big day. At no extra cost.

And if you cycle, your bike is covered when it’s in your house and garden. But if you’d like to cover it when you’re out and about on it, you can call us for a quote on 0800 1582 780. Remember, some limits and exclusions apply – have a gander at the policy document.

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It’s all covered on a new-for-old basis except bicycles, clothes and linen, like towels and bedding.

All sorts of nasties, like:

• Fire, smoke, lightning, explosion or earthquake.
• Riot, civil commotion and political disturbances.
• Storm or flood.
• Theft, attempted theft, vandalism or other malicious acts.
• Oil or water escaping from your heating system or appliances.
• Subsidence or landslip.