For buildings insurance:
We will insure your home against loss or damage from many causes, including but not limited to:
– Fire, smoke, explosion, lightning or earthquake;
– Malicious acts or vandalism;
– Storm or flood;
– Subsidence, heave or landslip;
– Theft or attempted theft;
– Escape of water and leakage of oil;
– Falling trees.
– Accidental damage to underground pipes or cables serving the home.
– Your legal liability as owner of the property for injury or damage to others or for damage to their property, up to a maximum of £2 million for a single claim.
We do not cover your liability as an occupier or your personal liability under this section, although we do offer this cover as standard in our contents insurance.
– Up to £25,000 alternative accommodation costs if you have to temporarily move out of your home because of an insured event.
What is not covered :
A policy excess of £150 for each and every claim or in the event of escape of water, an excess of £250, or in the case of subsidence, heave or landslip, an excess of £1,000.
– Damage to fences, gates and hedges caused by storm or flood.
– Loss or damage caused by underground water.
– Maintenance, wear and tear or damage that happens gradually over a period of time such as damp or rot.
– Loss or damage caused by malicious acts, vandalism, theft, escape of water, leakage of oil, breakage of glass or sanitaryware or frost if your home has been unoccupied for more than 30 consecutive days. In this case there is no cover from the first day the home is not lived in.
– The costs of replacing any undamaged or unbroken item or parts of items forming part of a set, suite or other article of uniform nature, colour or design if damage occurs within a clearly identifiable area or to a specific part and it is not possible to match replacements.
For contents insurance :
We will insure your contents against loss or damage from many causes, including but not limited to:
– Fire, smoke, explosion, lightning or earthquake;
– Malicious acts or vandalism;
– Storm or flood;
– Theft or attempted theft;
– Escape of water and leakage of oil;
– Falling trees.
– Your legal liability as a home occupier for injury to others or damage to their property. We also cover your legal liability as a private individual anywhere in the world. We will pay up to £2 million for a single claim.
– Your legal liability as an employer of domestic staff at your home. We will pay up to £5 million for a single claim.
– High risk property like jewellery, pictures, works of art and stamp and coin collections. We will cover them in total for up to 20% of your contents sum insured and up to 5% of your contents sum insured (minimum £2,000) for a single item, pair or set.
– Alternative accommodation costs if you have to temporarily move out of your home because of an insured event, up to 15% of your contents sum insured (minimum £3,000).
– Replacing locks to the external doors to your home if your keys are stolen, up to £500.
– Personal money in your home up to £100.
– Loss of metered water as a result of accidental damage to your water or heating installations up to £500.
– Theft or attempted theft from your garage or domestic outbuildings up to £1,000. In certain circumstances, we will add the ‘Minimum standards of security’ endorsement
What is not covered :
– A policy excess of £150 for each and every claim or, in the event of escape of water, an excess of £250.
– Loss or damage caused by malicious acts, vandalism, theft, escape of water or leakage of oil if your home has been unoccupied for more than 30 consecutive days. In this case there is no cover from the first day the home is not lived in.
What is not covered :
– Pedal cycles.
– Money stolen from your home unless it was entered by force and violence.
– Loss or damage caused by underground water.
– Accidental damage to computers, TVs and stereos.
– Accidental damage to portable items like video cameras and hand held computer games.
– Contents temporarily removed.
– Contents of your freezer.
– Contents in your garden.
– Loss of oil.
– The costs of replacing any undamaged or unbroken item or parts of items forming part of a set, suite or other article of uniform nature, colour or design if damage occurs within a clearly identifiable area or to a specific part and it is not possible to match replacements.
