Home insurance

If you think you may be unable to maintain your regular policy payments, please contact us as soon as possible on 0330 018 2059. Our opening hours are Monday-Saturday 8am-6pm.

We have specialists on hand who can discuss your individual circumstances and agree how we can help with your financial situation. There are several ways we may be able to help including:

• moving your payment dates
• agreeing partial payments or payment holidays in the short term,
• and removing any fees applied to your policy.

Don’t wait until you miss a payment as we can help you in advance. We ask that you don’t cancel your payments or direct debits as this can result in your policy being cancelled and we don’t want you to be left uninsured, please get in touch with us in the first instance.

Buildings insurance covers damage to the structure of your home (e.g walls, roof etc), outbuildings (e.g garage or shed) and its permanent fixtures and fittings. Contents insurance covers the personal belongings that you keep in your home. It also covers contents temporarily removed from your home for up to 90 consecutive days and contents temporarily removed from your home while attending full time education.

For buildings insurance, you need to consider the full rebuild cost of your home, which isn’t necessarily the same as its market value – or what you paid for it. This handy calculator from the Association of British Insurers can give you an idea of the full rebuild cost of your property.

For contents cover, you need to make a list of everything you own – including furniture, ornaments, carpets, clothes, electrical items, and any garden furniture or shed or garage contents – and calculate how much it would cost to replace it all. It’s easy to underestimate, so make sure you don’t end up under-insuring your belongings.

As well as furniture and electrical items, and valuables kept in the home, you’ll have cover for freezer contents, money and credit cards – plus, you can choose from a range of cover limits to suit your needs and preferences.

High Risk Property

• Articles of jewellery, pearls, gemstones, gold, silver and precious metal
• Pictures and works of art
• Any rare or unusual article that is collectable
• Stamp, coin and metal collections
• TVs, portable computers and computers
• Software stored on any computer, entertainment, audio or video equipment
• Furs, clocks and watches

Items stored in a garage or outbuilding are covered if you have selected contents cover, but the cover is limited to £2,000 if the items are stolen. Items in the open, for example garden furniture, are covered up to £1,000 (single item limits apply).

Alternative accommodation cover is available if your home becomes uninhabitable due to an insured event, and this is included in your policy as standard. Level of cover depends on whether you have a Buildings only, Contents only or Combined insurance policy. Please check your policy documents.

Accidental damage is damage that occurs as a result of an unexpected and non-deliberate action.

A basic level of accidental damage cover is included as standard in both our buildings and contents insurance policies. Your policy includes standard accidental damage to buildings and/or contents, depending on the policy you have. For an additional premium you can add extended accidental damage cover. Limits apply.

An excess is the amount of money you will be asked to pay in the event of a claim. For example, if you have a £100 excess then you will pay the first £100 of the claim you make. You can often reduce your insurance premium by increasing your excess but you should always make sure that you are happy to pay this amount in the event of a claim.

As standard our policies do not include cover for personal possessions however personal possessions cover can be added for an additional premium.

Yes. We’ll replace your old goods with brand new ones – like for like, or with the nearest equivalent, subject to policy Terms and Conditions.

You can view your policy online and make changes by logging into our Online Self Service Centre.

Or if you prefer, you can call 0330 018 2059 directly

Lines are currently open: Monday-Friday 8am to 8pm, Saturday 9am to 5pm, Sunday 10am to 4pm and Bank holidays 9am to 5pm.

If you would like to make a claim, please call 0330 018 2058. Lines are open 24 hours a day.