Sum Insured.

Our home insurance cover is different compared to many other insurance providers; we don’t offer you unlimited cover for your buildings and/or contents insurance.

We realise this might not always be right for your circumstances as you could end up paying for more cover than you need. Instead, for most people we'll estimate your sum insured based on the details you provide during the application process.

How is the estimated sum insured calculated?

The estimated sum insured we provide you with is based on:

• The type of cover you require (buildings and/or contents insurance);
• The personal details you provide in the application; and
• The property details you provide in the application.

When you receive the estimate you can either accept the level of cover or increase it if you think you need more.  If your property is not standard (for example, over five bedrooms) we won't be able to estimate your sum insured and you'll need to choose a suitable amount yourself.

You should remember though that it's your responsibility to ensure you have sufficient cover. There's a chance you may not receive the full amount of any claim you make if you don't have the right level of cover.

If you feel you need more cover simply click on 'Change Amount' to increase your sum insured.

How can you check your sum insured limits?

Check you have sufficient contents cover with our contents calculator. It'll take you on a quick tour of our virtual house whilst it calculates the value of your possessions.

The Association of British Insurers rebuilding cost calculator will help you check you have adequate buildings cover. It's a free tool to use but you'll need to register first to use it.

If your property does not fit the criteria for the rebuilding cost calculator, then you can seek the advice of a chartered surveyor. The chartered surveyor will then be able to provide you with an estimate of the costs to rebuild it.

If you visit the RICS website they offer a quick search to find a chartered surveyor in your area.

---