Learn about Home Insurance

Is there anything else I need?

• The excess. Our policies include a £100 excess as standard. However you can reduce this to £50 and pay a higher premium. Or you can increase your excess and reduce your premium.
• More accidental damage cover. This provides additional cover against accidents such as breaking a vase or spilling paint on the carpet.
• Personal possessions. This covers your personal items anywhere in the UK, European Union and while travelling in the world for up to 60 days. You need to select how much cover you require with the minimum amount being £2,000. Items worth more than £1,500 (or £350 for bikes) must be specified individually on your policy.
• KeyCover. Just the thought of losing your keys is enough to send a shiver down your spine. Worse still if they’re stolen. That’s why we have our KeyCover option that will meet the costs incurred (up to £1,500) of replacing your locks and much more besides.
• Home emergency service. Ever thought what you’d do if a pipe burst in the middle of the night? Or you came home to find you’d been broken into? Scary thought isn’t it, which is why we include in your policy a 24 hour emergency helpline. We’ll pay costs up to £250 for call out, labour, parts and materials. Big sighs all round then!
• Legal protection. This service is designed to help you during difficult legal situations by providing you with financial support and a 24-hour legal advice helpline. If you select this option you will be covered for legal advice up to £50,000 on matters such as personal injury or death claims, contract of employment disputes, consumer disputes and civil actions relating to the damage of your home.
  
  

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