Additional cover options

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

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:

• Unspecified 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 or defend certain legal proceedings such as:

• the death of or personal injury to you or your immediate family
• buying or hiring goods or services for your own personal use
• 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 Capita Insurance Services, part of Capita Commercial Services 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.