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Optional cover

We offer a number of optional covers which you can add to your home insurance policy so that you can choose the right level of cover for you. These optional covers are available subject to payment of an additional premium.

Extra Accidental damage to contents

What is covered?
If you choose Extra Accidental Damage Cover for your home contents insurance, we'll extend the standard accidental damage cover to the rest of your home contents and personal belongings in the home (though not clothing, contact lenses or pedal cycles).

Our standard cover includes accidental damage to your radios, television sets (including digital set top boxes and satellite receivers) and computers, games, recording and audio equipment, mirrors and fixed glass.

Taking out extra accidental damage cover for your home contents insurance extends this cover to include most contents and soft furnishings, like curtains and sofas for accidental breakage and spillage e.g. if you spill a glass of red wine on your carpet you will be covered.

Your normal contents excess applies to accidental damage claims.

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Extra Accidental damage to buildings

What is covered?
Extra Accidental Damage Cover for your buildings insurance extends your standard cover to include accidental damage to the rest of your buildings.

For example, our standard cover includes accidental damage to underground pipes and cables, fixed glass, and sanitary fixtures and fittings (e.g. baths, shower trays, sinks etc).

By choosing our extra accidental damage cover for buildings option you extend this cover to include accidental damage to the rest of your buildings, e.g. putting your foot through the ceiling, hitting a nail into a water pipe.

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Personal belongings

What is covered?
Additional personal belongings cover insures your personal effects while you're away from home in the UK or anywhere in the world. We'll cover you for loss or damage to:

  • Clothing and personal effects - up to your chosen limit - from £2,500 up to £10,000 (limit any one item £2,500)
  • Personal money up to £500
  • Credit cards up to £1,000

You just pay the first £100 of every claim.

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Home Emergency Cover

What is covered?
Home Emergency Cover is available to all homeowners. We will ensure a reliable tradesman attends your home - normally the same day - to carry out emergency repairs up to the value of £1,000 per incident in the event of a domestic emergency at your home.

Emergency situations covered include:

  • Loss of main source of heating or hot water where no alternative exists
  • Blockages in toilet waste pipes
  • Blocked drains within the boundaries of your home
  • Plumbing problems such as leaking pipes, water tanks or leaking radiators

There is nothing for you to pay in the event of a claim under this section.

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Legal Expenses

Legal Expenses is more extensive than you may think. We will provide up to £50,000 per claim to cover legal costs to pursue or defend your case in a wide range of situations.

For example:
Personal Injury
Injury at work or accidental injury while out and about or clinical negligence.

Contract Dispute
Purchase of a faulty car or a negligently performed service.

Property Dispute
Boundary dispute or noisy neighbour.

Employment Dispute
Unfair dismissal or discrimination on the grounds of sex, race or disability.
Furthermore, as a Legal Expenses policyholder you get access to a 24 hour legal helpline where you can talk to qualified legal professionals and receive free, confidential legal advice. Legal Expenses provides cover for all family members living with you.

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Sports Package

What is covered?
If you regularly play sport then this cover provides a range of benefits e.g.

  • £15,000 Accidental death benefit following a sports injury only;
  • Theft of sport equipment from your car - £2,500 from a locked, concealed boot or love compartment, otherwise £1,000;
  • £1,500 pa (£500 single article limit) Accidental Damage cover for Sports Equipment whilst in use;
  • Financial compensation for loss of use of sports club membership, due to a physical injury i.e. if you are paying a monthly membership fee to a sporting club and cannot use the club facilities due to a physical injury we will pay the membership fee for the period of the injury. Up to £500 per incident.

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Home and Garden cover

What is covered?

Home cover
If part of a set is damaged or stolen under the standard home insurance, cover is only provided for the article that needs replacing. Taking this option means that the entire set or suite would be covered.
E.g. If your sofa was damaged, then the matching chairs would be replaced too, if a suitable replacement sofa could not be found, up to a limit per item of £1,500.

Garden cover
Garden insurance covers the contents in your garden up to £500. By choosing this option you can increase this cover to £1,500. You also get cover of £2,500 for re-landscaping if your garden plants are stolen or damaged in certain circumstances (like malicious damage or collision) up to £250 per plant.

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