Buildings and Contents Insurance

Comprehensive, cost cutting cover.

This competitive policy is flexible and can be tailored to meet your individual needs. It is reassuringly comprehensive home insurance that provides you with cover you can rely on.

Key benefits:

  • New-for-old policy
  • Bedroom-rated policy- no need to specify amount cover
  • Contents cover up to £50,000
  • Buildings cover up to £500,000
  • Discount for combined Buildings and Contents cover
  • Trace & Access of leaks
  • 24 hour claims and emergency helpline

Contents cover includes:

  • Theft from outbuildings or garages £1,000
  • Theft from secured outbuildings or garages £2,500
  • Contents in the open £750
  • Freezer contents £1,000
  • Personal money £750
  • Credit cards £1,000
  • Replacement locks and keys £750
  • Guest contents £300
  • Content sum insured increased by £5,000 over Christmas and family weddings and birthdays
  • No claims discount

Optional extras to add to your Home Insurance policy include:

  • Accidental damage to both contents and buildings
  • Family legal expenses up to £50,000
  • Personal possessions away from the home
  • Bicycles away from the home
  • Increased voluntary excess to reduce your premiums

Your payment options include:

Monthly payments by Direct Debit at no extra cost - subject to eligibility.

Annual payment by credit or debit card

Exclusions

The aim to be clear about what is and what is not covered. The main exclusions have been highlighted below. For further information and full details of all the exclusions, please see the policy conditions.

The main exclusions include:

Business use.
Unoccupied and unfurnished properties
Damage caused by acts of terrorism
Business use
Wear and tear or loss of value
£1000 excess for subsidence, heave and landslip claims