- Skip to content [Accesskey 'S']
- Skip to navigation [Accesskey 'N']
- Go to Home page [Accesskey '1']
- Go to Site Map [Accesskey '3']
- Go to Search page [Accesskey '4']
- Go to Help page [Accesskey '6']
- Go to Complaints page [Accesskey '7']
- Go to Terms & Conditions page [Accesskey '8']
- Go to Contact Us page [Accesskey '9']
- Go to Access Key Details page (Accessibility information) [Accesskey '0']
I would give them 100% or more...
Home Insurance Essentials.
Pay less with home insurance essentials
Cover the basics - the important essentials like fire, flood and theft. We will cover your home and its contents against loss or damage from a wide variety of causes.
You'll be able to enjoy the lower cost of the Essentials cover if:
- you're happy to agree a higher minimum policy excess than with our Extra cover
- you don't mind not having the option to be covered for extended accidental damage
Compare Essentials and Extra buildings and contents cover
Our essentials cover summary
| FEATURE | ESSENTIALS COVER |
|---|---|
BUILDINGS COVER | Sum insured will be estimated, but can be increased |
| Minimum compulsory excess | £150 |
| Alternative accommodation | £25,000 |
| Damage to buildings | Including, but not limited to storm, flood, fire, smoke, earthquake |
| Escape of water and leakage of oil | Included |
| Standard accidental damage for buildings | Optional |
CONTENTS COVER | Sum insured will be estimated, but can be increased |
| Minimum compulsory excess | £150 |
| High risk items | Up to 20% of your contents sum insured |
| High risk single item limit | Up to 5% of your contents sum insured (a minimum of £2,000) |
| Theft from outbuildings | £1,000 |
| Standard accidental damage for contents | Optional |
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.
This summary is only a brief guide to your cover and exclusions. For more details of what is and isn't covered, please read our home insurance essentials key features (PDF: 1286KB) and for full details read our home insurance essentials policy document (PDF: 1776KB).
How useful did you find this page?
Need help?
Call us now:· 0800 027 7161
Lines are open:
8am - 9pm Monday - Friday
9am - 5pm Saturday
Call charges will vary. We may record and monitor calls.
Before You Buy Make Sure You Read These
PDF: 1.29MB
PDF: 1.84MB
PDF: 1.48MB
PDF: 2.25MB
Your recently viewed items
You need javascript enabled for us to remember your Recently Viewed Items.
You might also be interested in...
Home Insurance
- You could save up to £110 on your first year's premium by buying a combined policy online.
Source: Consumer Intelligence, October 2011.
Buy to Let insurance
Our landlords insurance includes as standard:
- loss of rent; or
- alternative accommodation cover up to £40,000. Call us on 0800 092 9922.
Insurance news articles
Keep up-to-date with the latest insurance news.
Read our insurance news articles which cover a range of insurance-related subjects.
