Home Insurance
Contents
New for Old
We cover contents lost or damaged as new
Inflation Protection
To help protect you against the effect of inflation we may
increase your sum insured for contents in line with any
changes in the Consumers Durables section of the Retail Price Index.
Accidental Damage to TV's,Hi-Fi's and other
Home entertainment equipment
Accidental Damage to Home Entertainment equipment is
automatically included under our contents policy
Frozen Food
This is automatically included and provides cover for the
contents of your freezer up to �300 for any one claim.
Money and Credit Cards
Coins and bank notes in current use are covered whilst in
your home for up to �250 for any one claim.
Credit Card liabilty for up to �250 for any one claim.
Replacement locks
We will pay for the replacing keys and locks or lock
mechanisms following the loss of keys up to �500 for any
one claim
Christmas and Weddings(gifts and provisions)
Your contents sum insured is automatically increased by
10% during the period of 1st December to the 15th of
January, and 30 days before and after the wedding of a
member of the family who normally resides at your home.
Contents temporarily removed to the garden
This covers items such as garden furniture and lawn mowers
when taken into the garden up to �500 for any one claim.
Accidental loss of oil and metered water
We will pay for accidental loss of oil or metered water up to
�1,000 for any one event.
Your liability as a tenant
Cover is provided up to �3.000 for any one claim or series of
claims arising from any one event.
Liability to the public
Cover is provided up to �2 million for any one claim or series
of claims arising from any one event.
Liability to Domestic Employees
Cover is provided up to �10 million for any one claim or
series of claims arising from any one event.
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Extra Cover Options available
Accidental Damage
Covers all contents against accidental loss or damage, for
example, spilt paint on a carpet(which is not included under
the standard cover). This also provides cover for your
contents whilst in the course of removal to any new
residence within the U, Channel Islands or the Isle of Man
if the removal is by a professional removal contractor.
Personal Possesions
This additional cover offers protection for valuables, personal
effects and money whilst away from the home. There is a
�2,500 single item limit and cover for all items is available at
the different levels of �2,500, �3,000, �5,000, �7,500 and
�9,500.
Pedal Cycles
Covers pedal cycles and their accessories whilst away from
your home up to �500 per bike.
Voluntary Excess
You can choose to increase the standard excess from �50
to �100, �250, or �500, which will reduce the premium you
will be asked to pay.
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Extra Benefits
24 hour legal and domestic helpline
This provides professional help on any legal issues or
domestic problems e.g. blocked drains. This is available 24
hours a day 365 days a year
Call 0207 654 6465
24 claims helpline
Simply call our claims department and we can put you in
touch with an approved repairer/supplier. Once the excess
has been paid, all bills can be settled with the supplier directly
Call 0207 491 7382
General Conditions
You must:
?Keep your sum insured at the correct level
?Tell us about any changes to the information that you
?have already provided.
?Take reasonable care of your property.
?Keep all your premiums paid and up to date.
?Comply with all other Policy terms and conditions.
Contact Details
To get a home insurance quote go to the Contact Uspage.
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