Floods have a devastating impact, not least because of the damage that it can cause to your buildings and contents, but also due to the length of time that repairs take to fully dry out and reinstate your home as it was. The increased risk of flooding also drives up insurance premiums disproportionately for those affected, and in some cases can leave them unable to find affordable cover.
By utilising the Flood Re scheme, we are able to offer Home Insurance to those at risk of or with a history of flooding. This is a new way of dealing with and offering flood cover through a not-for-profit scheme that’s funded by insurers. Our policies are underwritten by Ageas, an international insurance group ranked among the top 20 insurance companies in Europe. They’re also a part of the government Build Back Better scheme, so if your home is damaged by floods then you can claim up to £5,000 to install a range of different flood prevention measures.
For more details on Flood Re and its eligibility criteria, you can visit their website here.
Whether you just want Buildings or Contents or the full package, we have a range of add-on covers to suit you
Up to £100,000 cover for contents in your home as standard
Read MoreUp to £100,000 cover for contents in your home as standard
This covers loss or damage to contents in your home, including household goods, furniture, personal documents, valuables, personal belongings, money, and credit cards.
Cover is provided as standard for:
For details of what is not covered, please refer to the Policy Wording.
Up to £1 million buildings cover as standard
Read MoreUp to £1 million buildings cover as standard
This covers damage to the structure of your home, your outbuildings, garages, fixtures, and fittings as well as patios, drives, garden walls, fences, hedges, and gates.
Cover is provided as standard for:
For details of what is not covered, please refer to the Policy Wording.
Option to cover your valuables and high risk items in or away from the home
Read MoreOption to cover your valuables and high risk items in or away from the home
Standard
‘Valuables‘ are items such as paintings, works of art, stamp, medal, or coin collections, clocks, and also jewellery or watches that are never taken out of your home. These items are covered as standard under your Contents Insurance when they are in the home, up to a maximum of £30,000. Any valuable (also referred to as a High Risk Item) worth over £2,500 must be listed individually on the policy in order to be covered, and you can specify items up to a total of £20,000.
Optional
‘Personal Belongings‘ include jewellery, watches, and personal items which you normally wear or carry with you, as well as pedal cycles and their accessories. This cover is optional, providing for loss or damage occurring whilst your Personal Belongings are in your home and also whilst away from your home. We can offer up to a maximum of £15,000 of cover for Personal Belongings and up to £20,000 for bicycles. Items that are worth more than £2,500 each or pedal cycles worth more than £1,000 each must be listed individually on the policy in order to be covered. The maximum limit for a single specified item away from home is £15,000 and up to £2,500 per bicycle.
Option to cover your home against sudden, unexpected events
Read MoreOption to cover your home against sudden, unexpected events
Our Home Emergency add-on covers you for up to £1,000 to make your home safe and secure in the event of a domestic emergency. This includes problems with:
If any of these emergencies occur which cause your home to become unsafe or cause a loss of these services, we will send an engineer to your home to complete a repair and prevent or limit any further damage. We will pay for call out charges, labour, and materials to get your home back to a safe state or restore the key services.
Home Emergency cover is not a maintenance policy and does not cover the cost of routine maintenance in your home, nor does it provide or cover the cost of boiler servicing or maintenance.
Option to include accidental damage to your buildings, contents, or both
Read MoreOption to include accidental damage to your buildings, contents, or both
Buildings
As standard, we provide a limited amount of accidental damage protection which covers accidental damage to underground services at your home and accidental breakage of glass, ceramic hobs, and sanitary-ware which are fixed to and form part of your home.
If you choose the optional Accidental Damage cover, this protects the rest of your home. For example, if you were to drill through a pipe whilst putting up some shelves, or put your foot through the ceiling whilst in your loft, we would pay for the cost of repairing the damaged pipework and the cost of any redecoration required.
Contents
As standard, we provide a limited amount of accidental damage protection which covers accidental damage to TV, satellite, and audio equipment and accidental breakage of mirrors, ceramic hobs in freestanding ovens, and glass in furniture.
If you choose the optional Accidental Damage cover, this protects the rest of the contents in your home. For example, this would cover if you were to spill food or drink on a carpet or sofa, or dropped your tablet computer in the bath.
Option to protect against legal costs up to £50,000
Read MoreOption to protect against legal costs up to £50,000
The optional Legal Expenses cover provides you with access to a wide range of solutions, including professional mediation, that are designed to address your individual circumstances. The areas covered are:
For full details of specific cover, please refer to the Policy Wording and your policy documentation.
If you or your family need legal advice on any personal or domestic matter or are unsure of the best way forward, you will also have access to our free legal helpline for expert advice and guidance at any time of the day or night.
Our claims lines are available 24 hours per day, 365 days per year.
To speed up your call, make sure you have your policy schedule to hand first.
If you don't find the answer to your question below, why not get in touch with us.
Yes, mobile phones and bikes can be covered under the add on Personal Belongings cover as they’re taken outside your home.
Bicycles have their own specific cover section, and need to be specified if they’re worth more than £1,000.
Unfortunately, any damage to your fences caused specifically by storms or flood will not be covered, but under our buildings insurance they are covered for certain other circumstances such as vandalism or fire.
Yes, you need to tell us about any item that is valued at over £2,500.
You can cover any individual item up to a value of £10,000 or several items collectively valued up to £15,000 (for cover away from the home) or up to £20,000 (for cover within the home).
It covers you for up to £1,000 to make your home safe and secure in the event of a domestic emergency. This includes problems with:
If any of these emergencies occur which cause your home to become unsafe or cause a loss of these services, we will send an engineer to your home to complete a repair and prevent or limit any further damage. We will pay for call out charges, labour, and materials to get your home back to a safe state or restore the key services.
Home Emergency cover is not a maintenance policy and does not cover the cost of routine maintenance in your home, nor does it provide or cover the cost of boiler servicing or maintenance.
The standard excess amount payable on our Home policy is £100 on most Buildings & Contents claims. For claims relating to flood, it’s £250, for escape of water, it’s £350, and for claims for subsidence/heave/landslip it’s £1,000.
You can also choose to add a voluntary excess in addition to this. A higher total excess value makes your insurance cheaper, a lower value means you pay less towards a claim. The excesses for subsidence and flood claims are unaffected by your chosen voluntary excess and will remain at the stated level regardless.
