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Our
Home Insurance products

We offer three types of home insurance – Home Insurance Plus, Home Insurance and SELECT Premier Insurance. And with a number of optional extras, you can put together the right cover for you.

Policy documents

For full details and exclusions please download our
Home Insurance policy summary and Home Insurance policy documents.

What's standard
  • Buildings insurance up to £1 million

    With our buildings insurance you can cover the main structure of your home. You'll get cover up to £1 million if you need to rebuild or repair your home after:


    • Fire, lightning, or explosion
    • Storm or flood damage - excluding fences and gates
    • Theft and vandalism
    • Subsidence or heave
    • Escape of water
    • It also covers:
    • Garages and outbuildings
    • Permanent fixtures like kitchens, bathrooms and built-in wardrobes
    • Up to £25,000 cover for alternative accommodation for you and your family if necessary after an insured event
    • Access to our 24-hour emergency helpline
  • Contents insurance up to £50,000

    Our contents insurance covers the value of all your possessions in your home. This means you get:

    • Up to £50,000 cover as standard
    • Cover on a ‘new-for-old’ basis for:
      • Household goods, such as furniture, carpets, curtains
      • Belongings in the home, garages and sheds – including clothing
    • Up to £500 cover for cash in your home
    • Up to £1,000 cover for garden items.
    • Cover against fire, smoke damage and lightning, theft, flood and leaking water or oil.
    • Unlimited cover for fridge and freezer contents.
    • Replacement locks and keys if your keys are lost or stolen.
    • Up to £5,000 worth of cover for your children’s contents when they’re living away from home at university. No need to register for it – it’s automatically included.
    • An automatic 10% increase in contents cover for several weeks either side of religious festivals, family weddings and the birth of your child.
    • Access to our 24-hour emergency helpline.
  • 24-hour UK emergency helpline

    • Our home emergency helpline is here when you need us.
Optional extras

Remember, the following features are included as standard with our higher-level Home Insurance Plus Cover.


Personal possessions cover

Insure everyday items that you and your family take out and about. So, if they're lost, damaged or stolen, you're covered.


Accidental damage cover

Extra cover for little accidents such as:


Family Legal Protection

A 24-hour confidential advice line for you and your family and legal costs covered up to £100k to help you with:


Home emergency cover

Got a home emergency? Don't worry. We're here to put things right when they go wrong.

Home Insurance Plus

Home Insurance Plus gives you all the cover you’d expect. And a lot you wouldn’t. It comes with home emergency, personal possessions, accidental damage and family legal protection as standard. So, when we say plus we mean it.

Policy documents

For full details and exclusions please download our
Home Insurance Plus policy summary and Home Insurance Plus policy documents.

What's standard
  • Unlimited buildings insurance

    With our buildings insurance you can cover the main structure of your home. You’ll get unlimited buildings sum insured for rebuilding or repairs to your home after:

    • Fire, lightning, or explosion
    • Storm or flood damage - excluding fences and gates
    • Theft and vandalism
    • Subsidence or heave
    • Escape of water or oil
    • It also covers:
    • Garages and outbuildings
    • Permanent fixtures like kitchens, bathrooms and built-in wardrobes
    • Up to £50,000 cover for alternative accommodation for you and your family if necessary after an insured event
    • Access to our 24-hour emergency helpline
  • Contents insurance up to £100,000

    Our contents insurance covers the value of all your possessions in your home. This means you get:

    • Up to £100,000 cover as standard
    • Cover on a ‘new-for-old’ basis for:
      • Household goods, such as furniture, carpets, curtains
      • Belongings in the home, garages and sheds – including clothing
    • Up to £1,000 cover for cash in your home
    • Up to £2,500 cover for garden items
    • Cover against fire, smoke damage and lightning, theft, flood and leaking water or oil
    • Unlimited cover for fridge and freezer contents
    • Replacement locks and keys if your keys are lost or stolen
    • Up to £10,000 worth of cover for your children’s contents when they’re living away from home at university. No need to register for it – it’s automatically included.
    • An automatic 10% increase in contents cover for several weeks either side of religious festivals, family weddings and the birth of your child.
    • Access to our 24-hour emergency helpline.
  • Personal possessions cover

    Insure everyday items that you and your family take out and about. So, if they’re lost, damaged or stolen, you’re covered.

    • This reassuring cover includes:
    • Jewellery, watches, cameras, mobile phones and golf clubs
    • Bicycle up to £1,000 per cycle.
    • Cover in the UK plus up to 60 days worldwide.
    • £500 cover for lost or stolen money .
    • It also covers your personal possessions for:
    • Accidental loss or damage.
    • In the UK and for up to 60 days worldwide.
  • Accidental damage cover

    Extra cover for little accidents such as:

    • Spilling coffee on your computer keyboard.
    • Putting your foot through a ceiling.
    • Staining your carpets or sofa with red wine.
  • Family Legal Protection

    A 24-hour confidential advice line for you and your family and legal costs covered up to £100,000 to help you with:

    • Faulty goods or services you’ve bought including holiday packages
    • Employment claims including unfair dismissal, redundancy and discrimination on the grounds of sex, race or disability*
    • Property disputes – for example, a noisy neighbour or boundary dispute*
    • Disputes relating to personal goods you’ve sold privately
    • Personal injury claims including accidents at work and in public places
    • Medical and clinical negligence
    • Contract disputes for buying or selling your home
    • *The cause of action must occur at least 90 days after your cover starts.
    • We also provide cover for:
    • Tax protection
    • Inheritance disputes
    • Motoring prosecution
    • Your salary during jury service
    • Good to know:
    • The cover can be used by anyone in your family who lives with you.
    • All claims must be reported to the legal helpline as soon as possible.
    • Our staff or one of our solicitors will handle your claim and try to settle the matter before taking your claim to court.
    • Personal injury and contract claims are even covered if they happen outside the UK.
  • Home emergency cover up to £500

    Got a home emergency? Don’t worry. We’re here to put things right when they go wrong. This includes:

    • Up to £500 for the cost of call out, labour and parts
    • Plumbing and drainage
    • Heating and electrics emergencies
    • Infestation by pests such as wasps or rats
    • Security emergencies such as lost or stolen keys
  • Annual travel insurance

    • Up to £5 million for emergency overseas medical expenses
    • Up to £5,000 for cancelling a journey
    • 24-hour emergency overseas assistance
    • Good to know:
      This travel cover isn’t suitable if you’re 65 or over or have a pre-existing medical condition.
  • ID fraud detection & assistance

    Protect yourself against online crime with DataPatrol, our world leading and award winning free service. This is how it works:


    • DataPatrol is continuously monitoring the Internet on your behalf – including social networks and public databases - to detect the theft, disclosure or loss of your personal and financial information.
    • You’ll be alerted by text and email if your information is found.
    • The Experian Care service will give you expert advice on what to do if you become a victim of fraud.
    • Simply put, this is your personal online guard-dog.
    • Learn more about ID fraud detection & assistance.
  • 24-hour UK emergency helpline

    • Our home emergency helpline is here when you need us.

Are you a landlord?
We guarantee to
beat the price of any other insurer.

Learn more

Only for new customers and for the same cover. Qualifying criteria apply.

SELECT Premier Insurance

Our highest level of cover designed for higher value homes

With an emphasis on personal service, SELECT Premier includes a wide range of covers as standard and flexibility to cover higher value jewellery, fine art and antiques. Also, we’ll cover everything – homes, cars, and pets – under one policy, with one payment and one renewal date.

Policy documents

For full details and exclusions please download our
SELECT Premier policy summary and SELECT Premier policy documents.

What's standard
  • Unlimited buildings insurance

    With our unlimited buildings insurance you can protect the main structure and outbuildings within the boundary of your home. What’s more, you’ll get:


    • Cover for alternative accommodation for you and your family up to three years if necessary after an insured event.
    • Up to £15,000 to trace and access the source of escape of water, oil or gas within the grounds of your home.
    • Up to £500 for security upgrades following a covered loss where your home was entered by force.
    • If your keys are lost, stolen or damaged, we’ll pay the cost to replace the locks and keys or resetting the alarm.
    • Up to £5,000 for home invasion protection following an illegal act of violence or threat of violence by a person who has gained illegal entry to your home.
  • Worldwide contents insurance from £100,000

    Our worldwide contents insurance covers £100,000 as standard and can be increased above that amount if needed. We’ll cover your valuables against loss or damage anywhere in the world for up to 60 consecutive days. And you only need to let us know about any item valued over £10,000.

    • Cover includes:
    • Items replaced on a ‘new-for-old’ basis for all household goods and personal belongings in the home, garages and sheds.
    • Up to £15,000 worth of cover for your children’s contents when they’re living away from home at university. No need to register for it – it’s automatically included.
    • Up to 125% of the sum insured for extended contents cover provided that a professional appraiser has undertaken a walk through validation exercise.
    • Unlimited cover for fridge and freezer contents.
    • Up to £2,500 cover for lost or stolen money anywhere in the world.
    • If your title deeds suffer loss or damage while in home or bank safe deposit we’ll pay the cost of preparing new ones.
    • An automatic 25% increase in contents cover for 30 days either side of religious festivals, family weddings and the birth of your child.
  • Worldwide cover for valuables

    We’ll cover your valuables against loss or damage anywhere in the world for up to 60 consecutive days. And you only need to let us know about any item valued over £10,000.

    • Cover includes:
    • Accidental damage as standard.
    • Up to 150% of the specified amount for market appreciation, if a valuation has been carried out in the last 2 years.
    • Up to 25% increase for new acquisitions to the category. A newly acquired item will be insured under your cover provided you advise us within 60 days of the date of buying.
    • Up to £25,000 for the loss or damage to jewellery stored in a bank or safety deposit - even if they were in or temporarily removed up to a maximum of 30 days.
  • Accidental damage cover

    As part of the all-risks cover we provide, accidental damage is covered automatically for your buildings, contents and valuables.

  • Legal expenses

    A 24-hour confidential advice line for you and your family and legal costs covered up to £100,000 to help you with:

    • Faulty goods or services you’ve bought including holiday packages.
    • Employment claims including unfair dismissal, redundancy and discrimination on the grounds of sex, race or disability*.
    • Property disputes – for example, a noisy neighbour or boundary dispute*.
    • Disputes relating to personal goods you’ve sold privately.
    • Personal injury claims including accidents at work and in public places.
    • Medical and clinical negligence.
    • Contract disputes for buying or selling your home.

    We also provide cover for:

    • Tax protection
    • Inheritance disputes
    • Motoring prosecution
    • Your salary during jury service
    • Education disputes

    Good to know:

    • The cover can be used by anyone in your family who lives with you.
    • All claims must be reported to the legal helpline as soon as possible.
    • Our staff or one of our solicitors will handle your claim and try to settle the matter before taking your claim to court.
    • Personal injury and contract claims are even covered if they happen outside the UK.

    *The cause of action must occur at least 90 days after your cover starts.

  • Home emergency cover up to £750

    Got a home emergency? Don’t worry. We’re here to put things right when they go wrong.

    • This includes:
    • Up to £750 for the cost of call out, labour and parts.
    • Plumbing and drainage.
    • Heating and electrics emergencies.
    • Infestation by pests such as wasps or rats.
    • Security emergencies such as lost or stolen keys.
  • 24-hour UK emergency helpline

    • Our home emergency helpline is here when you need us.
    • Call us if you need help with:
    • Claims notification
    • Home emergencies
    • Legal advice
    • Tax advise
    • Medical and healthcare issues
    • Counselling
  • Personal service

    Our Customer Advisors will tailor your cover to suit your needs. Just let them know your insurance needs in detail and they’ll take it from there. And if you need to make a claim, we’ll give you your own personal claims advisor to guide you through. Your own dedicated claims handler will:


    • Manage your claim from start to finish.
    • Act as your point of contact throughout the process.
    • Answer your questions directly at any time.
Optional extras

Annual travel insurance


Good to know

This travel cover is suitable for people up to the age of 74 and can be extended if necessary. We’ll need you to provide us with full medical screening, if you have an unstable medical condition.

It can also be added to your home insurance policy as part of your choice of insurance.


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