Home insurance - View all
Saving money can often mean cutting back on quality - but that's not the case
with our home insurance.
Yes, you can save up to 43% off our standard rates by taking out building and contents insurance online and we still give you quality cover and excellent service.
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 burst pipes or central heating cover | |
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 | |
|
| Covers against fraudulent use of your credit cards | |
Up to £5,000 |
| Property in the open within the boundaries of your home | |
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 | |
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 £50 of each claim (or, in the case of subsidence, heave or landslip, the first £1,000 for buildings)
- 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 40 days, we won't cover loss or damage from malicious acts, vandalism, theft, water or oil leaks, breakage of glass or sanitaryware, frost damage to any washing machine, dishwasher or 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
Buildings 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 its 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 £500,000 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 8.30am to 6.00pm Monday to Friday, 9am to 5pm Saturday. We may record and monitor calls.
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 384) and Home Insurance policy key features (PDF 100KB) document.
| Buildings insurance - what's included | Covered? |
Limit |
|---|---|---|
| Loss / damage from fire, storms, floods, falling trees, theft, attempted theft, malicious acts or vandalism | |
|
| Subsidence, heave or landslip | |
|
| Home emergency cover - for call out charges, labour and parts for certain emergency repairs for example burst pipes or blocked toilet | |
Up to £150 |
| 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 | |
What isn’t covered by our buildings insurance?
- the first £50 of each claim (or, 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 40 days, we won’t cover loss or damage from malicious acts, vandalism, theft, water or oil leaks, breakage of glass or sanitaryware, frost damage to any washing machine, dishwasher or 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
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. We may record and monitor calls.
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 insurance. For full details please read the Home Insurance policy (PDF 384KB) or Home Insurance policy key features (PDF 100KB) document.
| Contents cover - what's included | Covered? | Limit |
|---|---|---|
| Loss / damage from fire, storms, floods, falling trees, theft, attempted theft, malicious acts or vandalism | |
|
| 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 mirrors and fixed glass in furniture | |
|
| 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 sum insured |
| Replacement locks and keys if your keys are stolen | |
Up to £500 |
| High risk property such as computers, watches jewellery and works of art. | |
Up to 33% of sum insured in total 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 £500 |
| Covers against fraudulent use of your credit cards | |
Up to £5,000 |
| Property in the open within the boundaries of your home | |
Up to £1,000 |
| Property in garages and domestic outbuildings | |
Up to 10% of sum insured for theft or attempted theft |
| 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% sum insured |
| 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 | |
Up to 10% extra sum insured |
| Domestic emergency helpline - a 24 hour helpline if, for example, your roof is damaged or a pipe bursts. 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 | |
What isn’t covered by our contents insurance?
- the first £50 of each claim
- wear and tear
- if your home has been empty for more than 40 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
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.
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 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. 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
