Plenty of options for you
If you’re thinking about purchasing home insurance you might be considering if you want to increase your cover so that you’re protected from a wider range of unexpected events.
With our selection of optional extras, you can choose to purchase additional cover, or extend some of the features of your existing policy. Then you can be content in the knowledge that you’re covered, for a whole host of mishaps, setbacks and tough luck that could come your way.
Like most insurance policies, in the event of a claim, an excess will apply to our accidental damage cover and personal possessions cover. You can choose different excesses for Buildings and Contents between £50 and £500, in £50 increments. This way you can make sure that whatever cover you choose it can suit your pocket.
So, what's available to you?
Home Emergency Cover
What am I covered for?
Burst pipes or damaged water tanks, causing a leak in your home
Drains and toilet problems, that leave your drains blocked and your toilet unusable
Loss of power effecting your whole home
Heating system failure, that means the heating system is ‘inoperable’ i.e. not producing heat or hot water
Broken windows or doors, that make your home unsafe or insecure
Important things you need to know
Our home emergency cover is designed to cover unforeseen events, but it doesn’t cover everything. For example, your boiler or heating system must be serviced in line with manufacturer’s recommendations. Any claim arising after the property has been left unoccupied for more than 60 days in a row will be excluded.
Legal Expenses Cover
What am I covered for?
Employment disputes
Tenancy disputes
Traffic offences
Refunds of salary or wages lost whilst on jury service
Proceedings or appeals about your personal tax affairs
Personal claims for death, personal injury or clinical negligence
Important things you need to know
Our legal expenses cover is designed to cover unforeseen events, but it doesn’t cover everything. For example, any illness or bodily injury, which happens gradually or that is not caused by a sudden event is excluded from personal claims. We also can’t cover any property or land that’s not your permanent primary residence, and you cannot make a claim where the amount claimed for is less than £100.
Extended Accidental Damage Cover
If you have a Home Insurance policy with us you’ll already benefit from our standard level of accidental damage cover, which you have the option to extend.
What am I covered for?
Your home’s structure, ceilings or decorated walls
Damage to sofas, tables and other household furniture
Important things you need to know
Our extended accidental damage cover is designed to cover unforeseen events, but it doesn’t cover every eventuality. For example, loss or damage occurring after your home has been left unoccupied for more than 60 days in a row is not covered. We also can’t cover for loss or damage caused by wear and tear, depreciation, anything that happens gradually and mechanical or electrical breakdown.
Still not sure what you need?
View some of our real life examples or feel free to give us a call on
03456 460 958
Personal Possessions Cover
Our personal possessions cover goes a little further than your standard Contents Insurance as it protects your belongings when you’re out and about
What am I covered for?
Loss, damage or theft of items such as:
Unspecified items that are worth up to £2,500, such as clothing, shoes, bags, watches, jewellery, sporting equipment, gadgets, laptops, tablets and cameras
Specified items that are worth up to £15,000 (£22,500 if you have personal possessions plus cover) such as designer bags, watches, and engagement and wedding rings
Money up to the value of £500
Unauthorised use of credit cards up to £500
Bikes (pedal cycles) up to £500 (unless specified)
Mobile phones up to £250 (unless specified)
Important things you need to know
Our personal possessions cover is designed to cover unforeseen events, but it doesn’t cover every eventuality. For example, loss or damage that happens after more than a total of 60 days outside of the UK during the current period of insurance, will not be covered. We also don’t cover damage to sports equipment whilst in use.