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