Buildings and contents insurance

Our standard policy covers:

• You

• Your family

• Your pets

As standard you’re covered for:

• Costs of finding the source of a water leak

  such as calling out a plumber to take up floorboards

• Repairing damage required to find a leak

  such as refitting or replacing floorboards after the leak is fixed

You’re not covered for loss or damage:

• Cost of replacing pipes or parts causing a leak

  when due to accidental damage or wear and tear

• When the building is unoccupied

  for more than 60 days in a row

You can choose our Home Assistance add on to get 24/7 access to tradespeople and up to £500 to repair a leak.

You can choose our Accidental Damage add on to cover costs for repairing or replacing pipes or parts when they are accidentally damaged.

As standard you’re covered for:

• Cost of breaking into and repairing

  underground pipes or drains serving the buildings if standard methods to restore service are unsuccessful.

As standard you’re covered for claims relating to:

• Personal injury

• Medical negligence

• Employment disputes

You’re not covered for:

• Legal costs not agreed by us

As standard you’re covered for:

• Failure of the freezer

• Failure of the electrical supply to your freezer

You’re not covered for:

• Accidental damage

  such as leaving the freezer door open or switching off the appliance

• When the building is unoccupied

  for more than 60 days in a row

As standard you’re covered for:

• Garden furniture

  such as chairs and tables

• Gardening equipment

  such as lawnmowers and strimmers

• Play equipment

  such as climbing frames and trampolines

You’re not covered for:

• High risk items

  such as jewellery, watches or photographic equipment

• Bicycles stolen whilst not locked and secured

  to an object that can’t be moved

• When the building is unoccupied

  for more than 60 days in a row

As standard you’re covered for equipment owned by you or your family which is used for business purposes, such as:

• Laptops

• Printers

• Monitors

• Desks

You’re not covered for:

• Accidental loss or damage

  to your belongings whilst outside your home

• Business stock or materials

You can choose our Personal Possessions add on if you need cover for further personal possessions.

You’re not covered for:

• Loss not reported to the police

  within 24 hours of it being discovered by you or your family

• Money kept or used for business purposes

• Loss from garages, greenhouses and outbuildings

You can choose our Personal Possessions add on if you need to increase the cover to include loss of money outside the home.

As standard you’re covered for:

• Outside doors

You’re not covered for:

• Inside doors

As standard you’re covered for:

• Antiques, collectables and jewellery

  per item, pair or set

You’re not covered for:

• Accidental damage

  to contents in your home

• Accidental loss or damage

  to belongings whilst outside your home

You can choose our Personal Possessions cover add on if you need cover for accidental damage and other losses that happen outside your home.

As standard you’re covered:

• Within your home, garden and outbuildings

  subject to limits and exclusions

You’re not covered for:

• Loss whilst outside the home, garden or outbuildings

• Theft from your garden if not locked to a fixed point

• Accidental damage

You can choose our Personal Possessions to cover your bicycle outside of the home.

You can choose our Accidental Damage cover add on if this cover is required.

As standard you’re covered for:

• Contents from your outbuildings at 
the home

You can choose our Personal Possessions add on for cover for contents outside of the home.

As standard you’re covered for:

• Rent

• Alternative accommodation

As standard you’re covered for claims relating to:

• Personal injury

• Medical negligence

• Employment disputes

You’re not covered for:

• Legal costs not agreed by us