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Introductory cover, minimum premiums apply. Excludes optional extras/covers. Excludes SELECT Premier.
Direct Line Buildings Insurance
If your home or any outbuildings are damaged due to things like fire or flooding, having buildings insurance could save the day.
On top of that, our buildings insurance also:
- Covers the structure of your home, roofs, walls, fences, gates and outbuildings, plus permanent fixtures like kitchens, bathrooms and fitted wardrobes
- Covers fire, lightning, storm or flood (excluding fences and gates), theft, explosion, escape of water or oil, vandalism and subsidence
- Covers burst pipes and the cost of alternative accommodation if necessary (following an insured event)
- Gives you access to a 24-hour Emergency Helpline
Summary of buildings insurance cover:
|Cover||Home insurance standard policy||Home insurance plus policy|
|Loss or damage to walls, roofs, driveways, patios, conservatories, outbuildings, permanent fixtures (e.g. kitchen, bathroom, fitted wardrobes) caused by fire, lightning, smoke, storm or flood||Up to £1,000,000||Unlimited|
|External door locks where keys have been lost or stolen||Included as standard||Included as standard|
|Damage to plumbing installation caused by freezing/bursting||Included as standard||Included as standard|
|Accidental damage||Optional extra||Included as standard|
|Alternative accomodation (Buildings)- following an insured event||Up to £25,000||Up to £50,000|
Things you need to know about Over 50s life insurance:
Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won’t get anything back. This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.