Home Insurance

• up to £1,000 for labour, parts and materials per incident
• hotel accommodation costs up to £1,000 if your home is uninhabitable
• no excess to pay
• £500 boiler contribution for boilers declared beyond economical repair
• loss of essential services e.g. boiler breakdowns
• roof damage following a storm
• plumbing emergencies
• electrical emergencies and breakdown
• lost keys or damage to locks, doors and windows
• pest infestation of rats, mice, wasps or hornets.

Restrictions

• Not all types of heating systems and boilers are included in home emergency cover
• Home emergency cover isn't a service and maintenance product and doesn't cover damage due to wear and tear (e.g. dripping taps)
• Doesn't cover breakdown of electric showers or domestic appliances like washing machines, and doesn't cover problems you were already aware of when you bought cover.

Legal expenses cover provides you with a lawyer if you need one, and up to £50,000 of legal costs to pursue or defend a wide range of disputes including:

• personal injury
• employment
• property
• medical negligence
• consumer issues.

Restrictions

We will only accept your legal expenses claim if our lawyer believes you are likely to win the case. Conditions also apply if you want to nominate your own lawyer to represent you.

• putting your foot through the ceiling
• hammering a nail through a pipe
• damaging wood or tiled flooring.

Restrictions

• the excess(es) shown on your schedule
• damage caused by wear and tear, settlement and shrinkage, vermin, insects, fungus, weather conditions, or any damage which happens gradually
• damage caused by chewing, scratching, tearing or fouling by domestic animals
• damage caused by faulty materials or design, or poor workmanship.

• knocking over a favourite ornament and damaging it
• sitting on your glasses at home
• spilling a drink on your carpet
• damage to portable computers when in the home.

Restrictions

• the excess(es) shown on your schedule
• food in freezers, clothing, contact lenses, stamps and pedal cycles
• damage caused by wear and tear, light, weather conditions, moths, vermin, insects, fungus, damp, rust, wet or dry rot, or anything which happens gradually
• damage caused by chewing, scratching, tearing or fouling by domestic animals.

• Protect your personal belongings, wherever you are in the world
• You can select cover between £2,000 and £10,000 with a single item limit of £1,500.

Restrictions

• Limitations apply to personal belongings stolen from an unattended vehicle
• We don’t cover snowboards, skis (including sticks and bindings), water skis, sub-aqua equipment, riding tack, contact lenses and hearing aids under the Personal Belongings option unless we have specifically agreed to do so. 

• Covers you between £300 and £2,500 towards loss or damage

Restrictions

• loss or damage to tyres or accessories unless the pedal cycle is stolen or damaged at the same time
• theft while away from the home, unless in a building or securely locked to an immovable object.

• Up to £5,000 of cover is available for loss, damage or theft of clerical business equipment, including £500 of cover for stock and samples used in connection with your employment when stored at your home
• Up to £300 for business money and credit cards used for the purpose of your business.

Restrictions

• Clerical business stock or trade samples doesn't include wines, spirits or tobacco, furs, antiques or works of art, jewellery, precious metals or stones, or any articles made from them, chemicals or any hazardous materials.