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Buildings Insurance |
Comprehensive |
- Full replacement cost or repair
- Full cover for accidental damage (eg
putting your foot through the ceiling from the loft)
- Alternative accommodation if house
uninhabitable due to an insured peril – up to a total of £20,000
- Following loss or damage from an insured
peril, costs associated with complying with
statutory building regulations, such as architects, surveyors and legal
fees
- Up to 90 days' cover on both properties
when moving house (certain restrictions apply)
- Property owners' third-party liability –
up to £2,000,000
- Legal liability for properties previously
owned – up to £2,000,000
- Legal helpline
- Home emergency cover, which will cover the
cost of emergency repairs in a variety of
specified situations including 24 hour emergency helpline where the aim is
to respond to your call within 20 minutes
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None |
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Contents Insurance |
Comprehensive to a maximum of £45000.00 |
- New for old cover on most items
- Accidental damage for non-portable
electrical/gas appliances (eg.Television, video, audio, home computer
equipment and microwave)
- Accidental damage for other household
furnishings (eg. Carpets) – for an additional charge
- Items in course of professional removal
whilst in storage for up to 14 days
- Contents normally in the open, within the
property's boundaries (excluding storm or flood damage) – up to £500
- Items temporarily removed from the home –
up to £5,000
- Freezer contents – up to £500
- Alternative accommodation if house becomes
uninhabitable due to an insured peril – up to total of 20 per cent of
maximum sum insured
- Legal helpline
- Replacement door and window locks plus
alarms/safes following loss or theft of keys – up to £250
- Money – up to £300
- Credit cards – up to £500
- Guests' personal effects – up to £250
- Christmas seasonal increases – ten per
cent increase in insured value (1 December to 6 January)
- Weddings increase – ten per cent increase
in insured value (one month prior to and after)
- Personal liability, in and out of home –
up to £2,000,000
- Domestic employees liability – up to
£5,000,000
- Occupiers' liability, ie damage to a third
party in and around the home – up to £2,000,000
- Legal expenses cover – up to £25,000
- Loss of heating oil – up to £750
- Loss of metered water – up to £750
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None |
