Home Insurance

Select the relevant link below to view and print your policy document(s).

Gold, Silver and Bronze Cover

• Policy wording
• Policy wording - Legal Expenses Cover (PDF)
• Bronze/Silver/Gold Home Insurance Cover - Insurance Product Information Document (PDF)
• Bronze/Silver/Gold Home Cyber Cover - Insurance Product Information Document (PDF)
• Bronze/Silver/Gold Home Legal Expenses Cover - Insurance Product Information Document (PDF)
• Bronze/Silver/Gold Home Identity Theft Cover - Insurance Product Information Document (PDF)

Essential Cover

• Policy wording (PDF)
• Essential information (PDF)
• A quick guide to your policy (PDF)
• Essential Cover - Insurance Product Information Document (PDF)

Plus Cover

• Policy wording (PDF)
• Essential information (PDF)
• A quick guide to your policy (PDF)
• Plus Cover - Insurance Product Information Document (PDF)

Premier Cover

• Policy wording (PDF)
• Essential information (PDF)
• A quick guide to your policy (PDF)
• Premier Cover - Insurance Product Information Document (PDF)

Specialist Cover

• Policy Wording (for policies taken out or renewed before May 2021) (PDF)
• Specialist Cover Insurance Product Information Document (for policies taken out or renewed before 1 May 2021) (PDF)
   
• Policy Wording (for policies taken out or renewed from 1 May 2021) (PDF)
• Specialist Cover Insurance Product Information Document (for policies taken out or renewed from 1 May 2021) (PDF)

Please call us on 0800 916 6880 if you wish to request hard copies of your Specialist Home Insurance policy documents.

Premier Select

• Policy wording (PDF)
• Essential information (PDF)
• A quick guide to your policy (PDF)

Home insurance refers to either contents insurance or buildings insurance or a combination of both.

Buildings insurance covers the building, including any outbuildings such as sheds. Buildings insurance generally covers your home against risks including flood, fire and subsidence.

Contents insurance covers the possessions in your home. Contents insurance will cover you against your belongings being stolen and some policies may cover you if something in your home is damaged by accident.

Buildings and contents insurance can be sold separately, but if you need to make a claim, having buildings and contents insurance from the same insurer helps make the process easier.

The amount you pay for home insurance is calculated by looking at many different factors including your home’s location, size, construction type and security levels; the value of your contents; and your claims history.

Essentially, the higher the risk of loss or damage to your property, and the higher the value of the property and the contents, the more you’ll have to pay to insure them.

If your home is seriously damaged – due to flood, for example – we'll find alternative accommodation, similar to your own, for you to live in until you can return home. Limits vary depending on your level of cover.

If it is safe to do so, you should take steps to limit the damage where possible – for example move furniture out of standing water or switch off your water supply to stop a leak.

Yes, these are considered 'valuables', which includes items such as:

• Jewellery
• Articles containing gold, silver or precious metals
• Watches
• Paintings and other works of art
• Stamp, coin or medal collections
• Musical instruments

Each insurance product has a different valuables limit so you can choose the one to suit your needs.

If you have any valuables worth more than £3,000 each, you’ll need to specify them when you get a quote.

If you have any valuables that are worth more than £20,000 each, our Specialist Home Insurance may be more suitable for you. Find out more or speak to an adviser on 0800 916 6880.

Please refer to your policy wording for the full list of cover.

Yes, second homes, holiday homes and let properties can be insured under our Specialist Cover. They aren't covered by our standard Home Insurance, however.