Cover Highlights...

Contents & Personal Belongings up to £35,000 (whilst in your home)

Everything you own inside your home is considered as Contents & Personal Possessions; things like TVs, books, phones, jewellery, bikes, furniture. Anything that stays in place is considered part of the building (like the flooring or the kitchen sink) is not covered on Contents Insurance.

Total up the approximate value of all the items in your home and select the right amount of cover for you, right up to £35,000. This amount of cover you choose is what's called the Contents Sum Insured.

The limit for any one item being £2,500 within the home, unless otherwise stated in your Schedule.

Out Of Home Cover up to £7,000

This covers personal items like electronics, bikes and jewellery that you take out of the home on a frequent basis against theft, accidental damage or accidental loss anywhere in the United Kingdom, and up to 60 days per year worldwide.

The maximum amount of Out Of Home Cover you can get is calculated as a percentage of the Contents Sum Insured.
So the higher the Contents Sum Insured you specify; the higher amount you can choose to insure your belongings for when out of home.

Tenants Liability Included up to £35,000

This covers your landlord’s contents that your tenancy agreement says you are liable for. It can help protect your deposit if you accidentally damage your landlord’s fixtures, fittings or furniture.

Accidental Damage included on all our home contents policies

Accidental damage refers to unexpected and unintended damage or breakage. This would have been caused by a single, sudden and one-off event that was unforeseeable.

For example, if you accidentally knocked and smashed a lamp that stops it performing the task it was designed to do, this would commonly be considered as Accidental Damage.

Public & Personal Liability Included up to £2m

This covers your liability as a private individual and as occupier of the home for bodily injury or property damage caused to another person or property.

Office Equipment Included up to £5,000

Office equipment used in conjunction with your business in the home which belongs to you or for which you are legally responsible.

This includes: Furniture, Computers and associated equipment, Printers, Fax machines and modems, Photocopiers and scanners, Phone equipment.

Tenants Improvements Included up to £7,000

This covers permanent structural or cosmetic changes you've made to a property you are renting. If you as a tenant have spent money improving the property you're renting or making changes so it's fit for purpose, you can insure these changes with Tenants Improvement cover.

Alternative Accommodation Included up to £20,000 up to 24 months

If your property becomes uninhabitable because of an event that you’re insured for, like a flood or fire, then this will cover the costs of temporary alternative accommodation while repairs take place.