Click to return to the Home Page
Click to Contact Us

Click for Motor Insurance
Click for Home Insurance
Click for Boat Insurance
 
 





 

Home buildings & contents insurance made simple.

Click for help with a New Policy
Click for help with your Existing Policy
Click for Help with Claims
Click for help with Renewing your Policy
Click for help with a New Policy
Click for help with your Existing Policy
Click for Help with Claims
Click for help with Renewing your Policy

Choose from the options above for help on a new Insurance policy, help on an existing policy, help with a claim or help on a policy renewal.

New Policy

The Basics

What's Covered ?

Buildings:

The structure of your home, walls, hedges, garages and outbuildings together with sheds and greenhouses.  All permanent fixtures like kitchen units, bathroom suite and fitted wardrobes etc are insured against :

  • Fire or theft

  • Storm and flooding

  • Subsidence or groundheave

  • Escape of water from burst pipes and tanks

  • Falling trees and malicious damage

  • Accidental damage to fixed glass or sanitary ware

  • Cost of alternative accommodation during insured repairs

  • Collision/impact and escape of oil

Contents:

Your furniture and personal effects, including computers, TV / Video and Hi-fi equipment are insured against all of the above plus in addition:

  • Accidental damage to TV, video, hi-fi and home computers.

  • Replacement locks if keys are lost or stolen.

  • Contents in the garden and garage / sheds.

  • Contents temporarily removed from the house.

  • Cover for valuables.

Liability: Automatically Included with either buildings and/or contents:

Cover for a minimum of £2 million for you and members of your family for claims against you (arising anywhere in the World) for bodily injury or loss of or damage to property.

e.g. Your dog biting a neighbour or causing a car accident or a slate falling off your roof and hitting next doors car.

Personal Possessions: 

Cover for loss or damage to personal effects (including sports equipment and pedal cycles), valuables, money and credit cards whilst in and AWAY from home, in fact anywhere in the UK and Europe (and for upto 60 days Worldwide).

This section covers things such as items stolen from your car, losing your wallet or having your bicycle stolen whilst away from home.    

Cover should reflect the maximum value of items that you have away from home at ANY ONE TIME and NOT the total value of all of your valuables, personal effects, pedal cycles and sports equipment. 

Excess:

There is normally a "standard" policy excess of £150 which applies to all sections and claims (except subsidence where it is  normally £1000). You can have a higher excess and a premium discount if required.

FAQ's