Saving money can often mean cutting back on quality - but that's not the case with our home insurance. We aim to give you quality cover and you can save up to 43% off our standard rates:

• 20% discount for three or more years claim free insurance
• up to 16% discount when you insure buildings and contents together on the same policy
• 15% online discount - applies to the first year’s premium only

As discounts are applied consecutively to our standard rates, your maximum discount will be 43%.

From the big things like fire, flood and theft, right down to your freezer contents and your downloaded music files, you can rest assured it's covered with our building and contents insurance.

We also work hard to provide excellent customer service. If the unexpected happens, our friendly and helpful staff at our UK call centres aim to deal with your claim as efficiently as possible.

What's covered by our building and contents insurance?

Here's just some of the things that are included as standard with our building and contents insurance. For full details please read the Home Insurance policy (PDF 384KB) and Home Insurance policy key features (PDF 100KB) document.

Building and Contents – what’s included	Covered?	Limit
Loss / damage from fire, storms, floods, falling trees, theft, attempted theft, malicious acts or vandalism
Home emergency cover - for call out charges, labour and parts for certain emergency repairs, for example a burst pipe or break in		Up to £150
New for old (except for clothing more than two years old)
Accidental damage to computers, TVs and stereos
Accidental breakage of mirrors and fixed glass in furniture
Credit card cover - if you suffer a loss from credit card fraud		Up to £5,000
Contents in the garden within the boundaries of your home		Up to £1,000
Plants in the garden (in pots or containers)		Up to £1,000
Property in garages and domestic outbuildings		Up to 10% of the contents sum insured for theft or attempted theft
Personal money in the home		Up to £500
Domestic emergency helpline - a 24 hour helpline if, for example, a pipe bursts or a drain blocks. We'll find you a suitable local tradesperson
Legal helpline - for expert advice on all kinds of domestic legal problems, you can call our 24 hour helpline

Where a limit is not shown above, the limit will be your sum insured which will be on your policy schedule.

What isn't covered by our building and contents insurance?

Please note that home insurance is designed to cover certain unforeseen events and doesn’t cover everything. For example, our policy does not cover the following:

• The first £100 of each claim (or for escape of water claims, the first £250 and in the case of subsidence, heave or landslip, the first £1,000).
• Storm or flood damage to fences, gates and hedges.
• Routine maintenance or wear and tear.
• Money stolen from your home unless it was entered by force.
• Accidental damage to portable items like video cameras and hand held computer games, unless you've taken out contents extended accidental damage or personal possessions cover.
• If your home has been empty for more than 60 consecutive days, we won't cover loss or damage from malicious acts, vandalism, theft, water or oil leaks, breakage of glass or sanitaryware, or frost damage to any plumbed in domestic water or heating installation.

For a full list of what is and isn’t covered and details of cover limits please refer to the Home Insurance policy (PDF 384KB) document.

More about buildings insurance
More about contents insurance