Home insurance

• £1m of buildings cover
• £75K or £100K contents cover
• Alternative accommodation cover
• £1m trace and access cover
• Cover for garages and outbuildings
• Accidental breakage of technology equipment
• All repairs guaranteed for 1 year

• Damage due to wear and tear
• Incidents that occurred before the policy started
• Unoccupied property for more than 60 days
• Loss or damage to gates and fences during a storm
• Damage caused by pets
• Claims caused by poor workmanship

Accidental damage

• Accidental damage cover which protects against sudden, unintentional and unforeseen incidents
  such as smashing a window with a football or hammering a nail into a pipe.

Personal Possesions

• Items you take outside your home worth less than £2,500 individually are not covered automatically for loss, theft or damage by contents insurance.If you want to insure these items, for example jewellery or mobile phones, you’ll need to add personal belongings cover.There is a limit per item of £2,500 and individual limits also apply for mobile phones (£500), personal money (£750) and credit cards (£1,000). Items with a value above these limits need to be specified individually to be covered on the policy.

Home Emergency Protection

• Home Emergency Protection provides immediate assistance from professional tradesmen to deal with a range of emergency incidents around the home that need resolving as soon as possible. This includes boiler breakdown, failure of electrical power or lost keys. The policy provides cover up to £1,500 (inc VAT) per claim with no annual maximum limit on claims.

Family Legal Cover

• Family Legal Protection policy provides £150,000 of legal cover and is designed to aid customers through difficult and often stressful legal situations such as Employment Disputes, Personal Injury claims or Property Infringement cases.