Home Insurance Cover Summary
| Buildings insurance cover summary | Included as standard |
|---|---|
| Cover for the structure of your home (including fixtures and fittings) against loss or damage caused by fire, smoke, lightning, explosion, earthquake, storm, flood and theft |  |
| Loss or damage caused by water or oil from a burst, leaking or overflowing pipe or domestic water or heating appliance | |
| Buildings cover – unlimited rebuilding costs for homes worth up to £1 million | |
| Accidental damage cover | |
| 24-hour home emergency cover and helpline (0845 070 1298) |
We'll pay up to £70 for labour and up to £100 for materials for emergency repairs* |
| Alternative accommodation costs for you and your pets if your home cannot be lived in following an event covered by your policy | Up to £20,000 |
| Contents insurance cover summary | Included as standard |
|---|---|
| Cover for your household goods, valuables, personal belongings, furniture, furnishings and domestic appliances against fire, theft, storm, water damage and vandalism | |
| Contents cover | Up to £40,000 (higher levels are available on request) |
| Cost of alternative accommodation if your home cannot be lived in following an event covered by your contents policy | Up to 20% of the sum you have insured |
| New-for-old insurance cover on most items | |
| Legal expense cover including legal helpline (0161 428 7039) |
Up to £25,000 |
| Accidental damage cover for televisions, desktop computers, cookers and other non-portable home entertainment and home electrical and gas equipment | |
| Accidental damage to mirrors, plate glass tops and fixed glass in furniture | |
| Accidental damage cover for household goods, including furniture and furnishings | Available as an optional upgrade |
| Contents in outbuildings or domestic garages | Up to £3,000 |
| Contents in the open (but within the boundaries of your property) | Up to £1,000 |
| Garden cover for loss or damage to hedges, lawns, trees, shrubs and plants that you own | Up to £250 |
| Money in your home | Up to £500 |
| Fraudulent use of credit cards | Up to £500 |
| Fridge/freezer contents | Up to £500 |
| Loss of metered water/oil following accidental damage to the water or heating installation in your home | Up to £1,000 |
| Valuables or personal belongings such as jewellery, watches, works of art and clothing | Limit of £1,500 per item (individual items worth more than £1,500 can be covered if specified on your policy) |
| Away from home cover against loss or damage to valuables and personal belongings | Available as an optional upgrade |
| Away from home cover against loss or damage to valuables and personal belongings worth over £1,500 | Available as an optional upgrade |
| Christmas increase (automatic increase from 1 December to 6 January) | 20% of the sum you have insured |
| Wedding increase (increase for a month before and after your wedding) | 20% of the sum you have insured |
Please refer to the contents insurance and buildings insurance policy booklets for full cover details.
* We will pay for labour charges up to £70 (including VAT) and for materials up to £100 (including VAT) to cover an emergency service following an insured event during the period of your policy.