Additional cover options.

Standard accidental damage – buildings

Standard accidental damage for buildings covers things such as accidental breakage of fixed glass and sanitaryware. If you choose buildings insurance and require this cover then it is optional for Essentials cover, but is included as standard for Extra cover.

Standard accidental damage – contents

Standard accidental damage for contents covers things such as accidental damage to computers, TVs and stereos and accidental breakage of mirrors and fixed glass in furniture. If you choose contents insurance and require this cover then it is optional for Essentials cover, but is included as standard for Extra cover.

Extended accidental damage – buildings

Extended accidental damage for buildings is for accidents in your home like banging a nail through a pipe or putting your foot through the ceiling whilst in the loft. If you choose buildings insurance and require this cover, then you should choose our Extra cover and select the option on the quote page.

Extended accidental damage – contents

Extended accidental damage for contents covers incidents such as spilling red wine on your carpet or breaking a favourite ornament. If you choose contents insurance and require this cover, then you should choose our Extra cover and select the option on the quote page.

Cover your possessions in and away from your home

You can cover loss or damage to items, both at your home and away from it. 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, MP3 players and jewellery. The maximum you can claim for any one item is £1,500. We also cover £500 for personal money.
• Specified articles - this also covers items in and away from the home. You can specify individual items, such as your jewellery.
• Pedal cycles - covers you for loss or damage up to £500 per pedal cycle. We can insure cycles worth more than the limit if you provide us with the make, model and frame number.

For full details of what is and isn't covered under our personal possessions cover, please refer to our home insurance policy document.

Family legal protection

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

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

For more details of what is and isn’t covered by our additional cover options, please read our home insurance essentials key features (PDF: 1286KB) and our home insurance extra key features (PDF: 1484KB). For full details please read our home insurance essentials policy document (PDF: 1776KB) and our home insurance extra policy document (PDF: 2214KB).

Find out more about our Home Insurance Essentials
Find out more about our Home Insurance Extra
Compare our Buildings and Contents cover