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Home & Contents options

Choose the cover level that is right for you, and remember you can personalise your cover with additional options (available for additional premium). Remember: you do not have to wait until you receive your renewal to consider your insurance options.

Standard Cover Summary

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Full list of what is covered

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Additional Cover

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Full list of what is covered

Key features as standard: contents

We have split our full list of what is covered by contents and buildings so that you can see what is covered under each policy.  Please take a look at the full list and choose the level that is correct for you.

Contents options The sum insured/limit shown on the schedule
  The following individual limits apply:
Visitors contents £500
Office equipment, office furniture and office stationery £5,000
Cost of reinstating personal documents and title deeds £2,500
High risk items – jewellery, watches, articles or precious metal, clocks, paintings, works of art, stamp and coin collections The limit shown on the Schedule
Theft from any detached outbuilding, garage, shed or greenhouse  £2,000
Wedding, civil partnerships and birthday gift increases £3,000
Religious festivals gift increase £3,000
Freezer food £1,000
Temporary removal £20,000
Contents in the open £750
Emergency services £1,000
Alternative accommodation £10,000
Tenants liability £10,000
Tenants improvements £10,000
Locks and keys £750
Legal liability £2,000,000
Legal liability to employees £10,000,000

Key features as standard: Buildings

The most paid in respect of any one claim is:

Buildings options The sum insured/limit shown on the schedule
  The following individual limits apply:
Alternative accomodation £40,000
Locks and keys £750
Legal fees to remove squatters £10,000
Emergency services £1,000
Legal liability as owner £2,000,000
Legal liability defective premises £2,000,000

 

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