Home Insurance -
See what's covered

This is the amount it would cost you to rebuild your home. It includes site clearance, buildings, architects and legal fees.

We offer unlimited rebuild cost cover to all eligible customers.

Cover for damage to your garage or outbuilding including £5,000 of theft cover.

£2500 of cover for your garden plants.

If your garden plants, trees, shrubs or even your lawn is damaged due to vandalism, collision by a vehicle or damage caused by emergency access, we'll cover them.

Up to £1000 cover for replacing external locks and keys, if the keys are lost or stolen.

Up to £350 automatically included for bikes in and away from your home if kept securely locked.

Included as standard on Platinum policies.

Up to £100,000 legal costs cover for property or employment disputes and personal injury claims as long as there is a reasonable prospect of your claim being successful. A waiting period applies before some cover is activated.

We can cover any underground drains or pipes you are legally responsible for if they are accidentally damaged. This also covers water or oil escaping from any fixed water or heating tanks.

Included as standard on Platinum policies.

This is the amount you calculate the contents of your home to be worth.

This should include the contents of any garages or outbuildings.

Up to £150,000.

If part of a matching set was deemed to be beyond repair or we were unable to replace that one item, we'll replace the entire set. This includes three piece suites and bathroom suites.

Audio Visual Accidental Damage is included on Platinum policies. It provides cover for accidental damage to audiovisual items such as your TV or stereo in your home.

Full contents accidental damage is included as standard on Platinum policies.

We'll pay for accidental damage to contents in your home or garden. So, if a drink was accidentally spilled on the sofa or a piece of furniture broke you'd be covered.

Up to £500 for a tradesperson to repair an emergency to your central heating and hot water.

Claims can only be made 7 days after the policy start date.

This is included as standard on Platinum Policies.

Up to £500 for a tradesperson to repair an emergency to your central heating, hot water and plumbing. Claims can only be made 7 days after the policy start date.

This is included as standard on Platinum Policies.

Trace and Access cover means in the event of a claim we’ll pay up to £10,000 for relevant exploratory work, or damage caused, while tracing a leak.

Items worth under £1,000 don't need to be specified

Optional Personal Possessions cover of up to £20,000 is available to cover items away from home, worldwide.

Items worth more than £1,000 will need to be added to the policy as a specified item and you can choose to cover that item away from home too.