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Household Insurance

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We guarantee to beat your household insurance renewal if you are insured through a bank or building society (subject to conditions). Savings of up to 35% have been achieved with one simple phone call. Our policies are approved by all mortgage lenders.

Features and Benefits - Buildings

Standard Buildings Cover
Loss or damage to the buildings caused by fire, explosion, lightning, earthquake, riot, malicious damage, theft or attempted theft, storm, flood, escape of water or oil from fixed installations, collision, subsidence, heave and landslip

Standard Accidental Damage
Accidental breakage of fixed glass, sanitary ware and ceramic hobs
Accidental damage to cables and service pipes

Temporary Accommodation
Cost of temporary accommodation or loss of rent if your home is uninhabitable due to damage insured by this section

Property Owners Liability
Legal liability as owner but not occupier of the buildings
Legal liability under Defective Premises Act

Accidental damage – Optional Cover
Accidental damage to the buildings
 
Features and Benefits - Contents

Standard Contents Cover
Loss of or damage to the contents caused by fire, explosion, lightning, earthquake, riot, malicious damage, theft or attempted theft, storm, flood, escape of water or oil from fixed installations, collision, subsidence, heave and landslip

Standard Accidental Damage
Accidental breakage in the home of mirrors, fixed glass in furniture or ceramic tops in free standing cookers
Accidental damage to audio, visual & computer equipment

Temporary Accommodation
Costs of temporary accommodation if your home is uninhabitable due to damage insured by this section
 
Features and Benefits - Personal Possessions (optional cover )

Accidental Damage
Accidental loss or accidental damage to specified and/or unspecified personal possessions whilst within the UK or anywhere else in the world for up to 60 days
 
Features and Benefits - Pedal Cycles (optional cover)

Accidental Damage
This cover is available only with Contents cover
 
Significant Exclusions or Limitations

Buildings, Contents, Personal Possessions and Pedal Cycles
Please refer to Policy Booklet