Home Insurance.

woman and boy with castle

You can choose from two levels of buildings and contents cover to suit your needs, either Extra or Essentials. Whichever option you choose, you'll get the same great service from a name you can trust.

Here's just some of the things that are included as standard with our buildings and contents insurance, with some of the main exclusions. For full details please read the relevant policy documents on the right of this page.

Buildings Insurance

FeaturesEssentialsExtra
Sum InsuredWill be estimated, but can be increased
Minimum compulsory excess£150£100
Alternative accommodationUp to £25,000 Up to £50,000
Home emergency coverX Up to £500     
Trace and accessX Up to £5,000  
Damage to buildings Including, but not limited to storm, flood, fire, smoke, earthquake Including, but not limited to storm, flood, fire, smoke, earthquake
Escape of water or leakage of oil
Accidental damage for buildings
Additional cover option
Extended accidental damage for buildingsAdditional  cover option

Contents Insurance

FeaturesEssentialsExtra
Sum insuredWill be estimated, but can be increased
Minimum compulsory excess£150£100
High risk itemsUp to 20% of  your contents sum insuredUp to 33% of your contents sum insured (a minimum of £14,000)
High risk single itemsUp to 5% of your contents sum insured (a minimum of £2,000)Up to 5% of your contents sum insured (a minimum of £2,000)
Contents in gardenX Up to £1,000
Personal money✓  Up to £100 Up to £500
Theft from outbuildings Up to £1,000 Up to 10% of contents sum insured (a minimum of £5,000)
Accidental damage for contentsAdditional  cover option
Extended accidental damage for contentsAdditional  cover option

What isn't covered by our Home insurance

  • The first £150 for Essentials cover or the first £100 for Extra cover of compulsory excess on each claim (or for escape of water claims, the first £250 and in the event of subsidence, heave or landslip, the first £1,000 for buildings) plus any voluntary excess if you choose it.
  • 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 and violence.
  • Pedal cycles stolen from home, unless it was entered by force and violence (covered by Extra policies only).
  • Accidental damage to portable items like video cameras and hand held computer games, unless you've taken out optional contents extended accidental damage or personal possessions cover for Extra, or unless you've taken out optional personal possessions cover for Essentials.
  • If your home has been unoccupied for more than 60 consecutive days for Extra or 30 consecutive days for Essentials, we won't cover loss or damage caused by malicious acts, vandalism, theft, water or oil leaks, breakage of glass or sanitaryware or frost damage (In this case there is no cover from the first day the home is not lived in).
  • The cost of replacing any undamaged or unbroken item or parts of items forming part of a set, suite or other article of uniform nature, colour or design if damage occurs within a clearly identifiable area or to a specific part and it is not possible to match replacements for both Essentials and Extra cover.

Important information

Please note that our home insurance is designed to cover certain unforeseen events and doesn't cover everything. It does not cover things like general wear and tear or damage that happens gradually over a period of time. There is also an excess on each claim.

Limitations and exclusions apply. These examples are only a brief list of your cover and exclusions. For more details of what is and isn't covered, please read the policy summaries and booklets, which can be found in the Key Documents section, on the right hand side of the page.


Can we cover you?

or call us for a quote:
0800 027 7161
Lines are open:
8am - 8pm Monday - Thursday
8am - 6pm Friday
9am - 5pm Saturday

Existing customers:
0370 900 3110
Lines are open:
8am - 8pm Monday - Thursday
8am - 6pm Friday
9am - 1pm Saturday

Claims line:
0370 900 5565
Lines are open:
8am - 6pm Monday - Friday
9am - 1pm Saturday
24 hours for emergencies

Call charges will vary. We may record and monitor calls.

Key Documents

Make sure you read these before you buy:

Enhanced Home Insurance

Would it cost you more than £800,000 to completely rebuild your home, do you have home contents worth more than £100,000 or high value individual items? 

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