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

Our buildings insurance covers your home against all the major risks such as fire, storm, flood and subsidence. It also covers other causes of damage, like damage caused by a burglary, vandalism or a vehicle collision.

Buildings insurance covers not only the main building and domestic outbuildings, but also things such as walls, paths, pipes and fixtures such as the bathroom suite and fitted kitchens.

This policy provides cover up to a limit of £800,000 to repair or rebuild the property in the event of a claim. If this limit is not suitable, or if you have over five bedrooms, please call us for a quote on 0800 027 7161. Lines are open 9.30am to 8.00pm Monday to Friday. Calls may be recorded and monitored.

What’s covered by our buildings insurance?

We are proud of our great customer service and the value our cover offers. Here are the main things that are included as standard with our buildings insurance. For full details please read the Home Insurance policy (PDF 384KB) and Home Insurance policy key features (PDF 100KB) document

Buildings insurance - what's included	Covered?	Limit
Loss or damage from fire, storms, floods, falling trees, theft, attempted theft, malicious acts or vandalism
Loss or damage from subsidence, heave or landslip
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
Loss or damage from escape of water and leakage of oil
Accidental breakage of fixed glass and sanitaryware
Accidental damage to underground pipes or cables serving your home
Cost of alternative accommodation should you need to move out of your home temporarily as a result of an insured event		Up to £50,000
Trace and access cover – covers the cost of tracing the source of leaked water or oil and repairing damage caused during the investigations		Up to £5,000
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 buildings insurance?

• 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.
• 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.

Contents insurance includes most things that you would usually take with you if you move home, such as furniture, furnishings and personal belongings. You should insure your contents for what it would cost to replace them with new items, not their second hand value.

If you're not sure how much to insure all your possessions for, you can use our handy interactive contents calculator.

Our quote will be based on a sum insured limit of £40,000. However, if this is not enough to replace all your contents, you can select up to £60,000. Please call us for a quote on 0800 027 7161 if the limits are not suitable or if you have over five bedrooms. Lines are open 9.30am to 8.00pm Monday to Friday. Calls may be recorded and monitored.

What’s covered by our contents insurance?

As well as great discounts and excellent service, you can be sure we don’t skimp on cover. Here are some of the things that are included as standard with our contents cover. For full details please read the Home Insurance policy (PDF 384KB) and Home Insurance policy key features (PDF 100KB) document.

Contents cover - what's included	Covered?	Limit
Loss or damage from fire, storms, floods, falling trees, theft, attempted theft, malicious acts or vandalism
Loss or damage from escape of water and leakage of oil
New for old (except for clothing more than two years old)
Accidental damage to computers, TVs and stereos
Accidental breakage of fixed glass in furniture and mirrors
Cost of alternative accommodation should you need to move out of your home temporarily as a result of an insured event		Up to 25% of contents sum insured
Replacement locks and keys if your keys are stolen		Up to £750
High risk property such as computers, watches jewellery and works of art.		Up to 33% of contents sum insured (minimum £14,000) and 5% of contents sum insured for any one article, pair or set
Business equipment cover – this includes computers, printers, fax machines and other office equipment and furniture		Up to 10% of contents sum insured
Freezer contents		Up to £1,000
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 and containers)		Up to £1,000
Property in garages and domestic outbuildings		Up to 10% of contents sum insured for theft or attempted theft (minimum £5,000)
Personal money in the home		Up to £500
Contents temporarily removed from your home. For example, students' belongings while they are living away from home		Up to 15% of contents sum insured (minimum £7,000)
Special events cover – a temporary increase of your contents sum insured during the period of one month before and one month after a special event like Christmas or a wedding		Up to 10% extra contents sum insured
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 contents insurance?

• The first £100 of each claim (or for escape of water claims, the first £250).
• Wear and tear.
• If your home has been empty for more than 60 consecutive days when the damage happens, we won’t cover loss or damage from malicious acts, vandalism, theft or water and oil leaks.
• 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 extended accidental damage or personal possessions cover.
• Any more than 10% of your total contents sum insured for losses from your garage or domestic outbuildings from theft or attempted theft (minimum £5,000).

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.

For an additional premium you can choose to add the following cover options to your home insurance:

Extended accidental damage – buildings

If you’re worried about accidents in your home like banging a nail through a pipe or putting your foot through the ceiling whilst in the loft, you might be interested in including our extended accidental damage cover.

Extended accidental damage – contents

Extend your contents insurance to include damage such as spilling red wine on your carpet or breaking a favourite ornament.

Personal possessions

If you insure your contents with us, you can also choose to insure your personal possessions. Personal possessions insurance is designed to cover loss or damage to items that you take out of your home, but also covers them while in the home. Cover away from home applies anywhere in the UK and for up to 60 days elsewhere in the world, during each year you are insured. Choose from:

• Personal property – covers clothing and possessions you carry with you such as contents of handbags, mobile phones, cameras, MP3 players and jewellery. The maximum you can claim for any one item is £1,500.
• Personal money – automatically included up to £500 if you choose cover for personal property.
• Pedal cycles – covers your bicycles up to a maximum of £500 per cycle. If the value exceeds this amount additional information will be required.
• Specified items – choose this if you want to cover individual items that are worth more than £1,500.

For full details of what is and isn’t covered under our personal possessions cover, please refer to the Home Insurance policy (PDF 384KB) document.

Family legal protection

Gives you and your family protection of up to £50,000 to pursue certain UK legal proceedings arising from:

• The death of or personal injury to you or your immediate family.
• Buying or hiring goods or services for your own personal use. For example, your new bathroom suite is installed poorly by the fitters, but they refuse to put the damage right.
• Any infringement of your legal rights from owning or occupying your home.
• A breach of your employment contract.

Our 15% online discount does not apply to this option. Claims will be handled for us by DAS Legal Expenses Insurance Company Limited.

For full details of what is and isn’t covered under our family legal protection cover, please refer to the Home Insurance policy (PDF 384KB) document.

More about buildings insurance
More about contents insurance