Home insurance

Buildings and Contents insurance for your peace of mind

This provides a guide to our Household policy. Please note that it does not contain the full terms and conditions of the policy, which can be found in the policy wording.

Our Household Insurance policy allows you to choose whether to be covered for buildings, contents and valuables and personal belongings (provided that you purchase contents cover). You can also purchase additional cover to tailor the policy to your needs.

Once your cover starts and you receive your policy documents, you will still have time to cancel your insurance. See ‘Cancellation rights’ for more information. Policies are valid for a 12 month period from the inception date (as shown on your Schedule). You will need to periodically review the level of cover and sums insured as stated in your Schedule and Policy Wording to ensure that you have adequate protection throughout the year.

Please refer to your Schedule for details of your insurer and the cover selected.

What We Can Cover

Buildings Insurance

Buildings are defined as:

The home and its decorations including:

Fixtures and fittings attached to the home
Tennis courts, swimming pools, drives, paths, patios and terraces, walls, gates and fences and fixed fuel tanks,
Fixed solar panels on the main building which you own or for which you are legally responsible within the premises named in the schedule

Contents Insurance

Contents are defined as:

Your household goods, valuables and personal belongings, within the home
Tenants fixtures and fittings where you are the tenant

which are your property or which you are legally responsible for

Optional Extras To Cover You For More

You may add the following optional extensions to cover available on request for an additional premium. Please check your Quotation or Policy Schedule to confirm whether this is included.

Additional Accidental Damage cover
Theft and accidental damage to Pedal Cycles anywhere in the United Kingdom
Valuables or Personal Possessions away from the home
Legal Expenses (Provided by Arc Legal Assistance Ltd) - this optional element of cover can be cancelled if you no longer require it, without affecting your main policy cover
Emergency Property Assistance (Provided by Arc Legal Assistance Ltd) - this optional element o cover can be cancelled if you no longer require it, without affecting your main policy cover.
Key cover (Provided by Keycare Limited) - this optional cover can be cancelled if you no longer require it, without affecting your main policy cover.

For more information about Keycare click here

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This provides you with a summary of the cover. For precise details of cover, including the conditions and exclusions that apply, the policy document itself should be referred to.