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Choose to pay your premiums in the way that suits you, either monthly or annually - with no additional charges for spreading payments.
There's a home emergency helpline to call for access to a national network of skilled and reliable tradesmen 24 hours a day, 365 days a year.
Reduce your premiums by increasing the excess (the amount you pay for a repair or replacement as part of a claim) from £50 to up to £250, or pay a little more to remove the excess entirely.
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Fire |
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Lightning or explosion |
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Storm or flood |
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Escape of water or oil |
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Impact by aircraft, animals or vehicles |
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Subsidence, heave or landslip |
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Breakage of glass or sanitary fittings |
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Accidental damage to underground pipes or cables |
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Falling trees or branches |
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Contents Cover automatically meets the total cost of repair or replacement of your belongings, including high-risk items, like jewellery, hi-fi and personal computers, up to a value of £2,000 each. |
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Freezer contents (up to £500) |
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Personal money in your home (up to £500) |
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Any losses arising from illegal use of stolen credit cards (up to £500) |
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Fitting new locks if any keys are stolen or lost |
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Any office equipment you keep at home (up to £5,000) |
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Property kept in the open, for example, in your garden (up to £500) |
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The full cost of replacing mirrors or fixed glass in furniture broken by accident |
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Loss of metered water (up to £1,000) |
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Damage to satellite equipment (up to £500) |
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Damage to or theft of deeds and documents (up to £250) |
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Any legal liability you incur as occupier of your home or land, or in your personal life (up to £2 million) |
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Our no-claims discount is available immediately, depending on the number of claim-free years with your current insurer, and whether you choose to protect this benefit. |
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| 10% |
1 year |
| 15% |
2 years |
| 20% |
3 years |
| 25% |
4 years |
| 30% |
5 years |
| 40% |
Protected Discount |
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Accidental buildings damage cover - for mishaps like damage caused while doing DIY or carrying out maintenance |
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Accidental contents damage Cover - for breakages and spills at home |
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Personal belongings cover - for loss of or accidental damage to you and your family's personal belongings at, or away from home. Choose up to £6,000 worth of cover, up to a limit of £2,000 per item |
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Home emergency cover - access to our emergency helpline to put you in touch with a reliable tradesman to fix a problem like a burst pipe or electrical failure, and up to £250 for call-out charge, labour and materials |
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Legal expenses cover - cover for up to £50,000 in legal expenses to pursue or defend a legal action, for example a personal injury, employment or consumer rights claim |
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Included automatically in your home insurance cover, Eurolaw is a service that provides help with personal legal problems under the laws of the member countries of the European Union, the Isle of Man, the Channel Islands, Scandinavian countries and Switzerland. |
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