About our Home Insurance


Frequently asked questions

Contents insurance covers the things you would take with you if you moved - furniture, cookware, ornaments etc.

Check out our Guide to home insurance if you're after a bit more detail.

Buildings insurance covers most of the things you would leave behind if you moved house - so the walls, roof, and floors, garages, outbuildings, and fitted bathrooms and kitchens - but not the kitchen appliances like the dishwasher.

Check out our Guide to home insurance if you're after a bit more detail.

If you have insurance and you know the name of the company you bought the policy from but cannot find the policy document, then you can contact your insurer who should be able to trace your policy using your personal information and your postcode.

Home Emergency Cover is available to add to your Home Insurance for an extra cost. Whether you need Home Emergency Cover or not depends on your personal circumstances, but here's just some of the things it covers you for:

  • plumbing or drainage
  • failed electrics
  • home security problems, like a smashed window or a broken lock
  • pest infestations – like hornets, rats or mice
  • your gas and electricity
  • boiler and heating system breakdowns.

Find out more about Home Emergency Cover.

Buildings insurance covers most of the things you would leave behind if you moved house - so the walls, roof, and floors, garages, outbuildings, and fitted bathrooms and kitchens - but not the kitchen appliances like the dishwasher. Contents insurance covers the things you would take with you if you moved, such as the furniture, cookware, ornaments etc.

Check out our Guide to home insurance if you're after a bit more detail.

We offer one level of insurance for buildings and contents. You can then add our optional extras, for an additional cost, to build your insurance policy so it is right for you. See what cover is right for you.

We offer one level of insurance for contents. You can then add our optional extras, for an additional cost, to build on your insurance policy so that it's right for you. See what cover is right for you.

We offer one level of insurance for buildings, you can then add our optional extras, for an additional cost, to build on your insurance policy so that it's right for you. See what cover is right for you.

Whether you need accidental damage cover or not depends on your personal circumstances. We offer some accidental damage cover as standard under our main Buildings and Contents policies, but for extra protection, we offer buildings Accidental Damage Cover and contents Accidental Damage Cover which you can add to your policy for an additional cost.

An excess is the amount you have to pay towards a claim on your home insurance. There are two types – compulsory and voluntary.

Your insurer sets the compulsory excess: it varies depending on the type of policy you have.

The voluntary excess is controlled by you, so you can set the amount you pay on top of your compulsory excess when you claim.

So, if your compulsory excess is £100 and your voluntary excess is £50, you'll have to pay £150 to your insurer towards the cost of your claim.

If you choose to pay a higher voluntary excess, you'll pay less for your insurance. Just make sure you don't set it so high you can't afford to make a claim.

Flood Re has been set up to help people who live in a flood risk area find affordable home insurance. Flood Re is funded by the tax payer and they reimburse insurers for the cost of claims related to Flooding. This means that if someone has claimed for flood damage they should still be able to get insurance with affordable premium and excess. Find out more at http://www.floodre.co.uk/homeowner.

We've put together a guide to protecting against storm damage so you can see what measures you can take to protect your home against adverse weather.

Yes, you can choose a date within 30 days of your quote for your cover to start, including the day you get it.

If your home is uninhabitable, whilst it is being repaired following a claim, we will cover you for the following:

  • If your claim is on your buildings insurance, we will pay the cost of similar accommodation up to a maximum of £50,000. We will also look after your pets if they need to go into kennels, up to a maximum of £9,000 in kennel fees.
  • If your claim is on your contents insurance we will pay the cost of similar accommodation up to a maximum of £15,000.

We have a carefully selected panel of insurers who underwrite our home insurance, which one underwrites your policy depends on who gives you the best price based on your circumstances. We will tell you who your insurer is before you buy your policy.

Our optional extra products, which you can add to your policy for an additional cost, are underwritten by the following insurers:

  • Key Cover – Axa Assistance
  • Family Legal Protection – Arc Legal Assistance
  • Home Emergency Cover – Axa Assistance

If your insurer appoints an approved supplier to arrange a repair, all permanent repairs will be guaranteed for a minimum of 12 months from the date of completion.

Contents cover protects the belongings you have in and around your home - the things you would take with you if you moved home – up to a maximum £75,000. If you are an existing customer your contents cover limit will be detailed on your Policy Schedule. For details of what's included, have a look at our contents homepage or browse the policy documents.