Our
SELECT Premier products

SELECT Premier insurance is our highest level of cover, for the things you value most. Tailored to fit your property and your lifestyle.

What to combine
Policy documents

For full details and exclusions please visit our documents page

How it works
  • Home Insurance

    • Cover that’s specially designed for people with higher value homes and possessions worth over £75,000.
    • Includes specialist cover for valuable items, such as jewellery and fine art. You benefit from high limits, but you only have to list individual items worth £10,000 or more.
    • Cover if your possessions are accidentally lost or damaged, even when you’re overseas on holiday or business.
    • In the event of a covered loss, we’ll replace items on a 'new-for-old' basis.
    • Alternative accommodation if you need to move out after a claim. We’ll pay to re-house you for up to three years if necessary.
    • You can include additional properties, such as a UK holiday home, pied-a-terre or buy-to-let property – all under one policy with one renewal date.
  • Car Insurance

    Designed to provide insurance cover specifically for owners of higher value cars who might need a more specialist range of insurance cover.

    • If you choose enhanced courtesy car cover and your car is being repaired following an accident, we’ll get you one just like it. We’ll also deliver your car to your door when the repairs are done.
    • If your car is written off within the first 24 months of its registration, you’ll get a brand new replacement vehicle.
    • Up to 90 days’ cover for driving in Europe as standard.
    • Motor Legal Protection cover as standard.
    • Cover all your cars under one policy, including high value sports or classic cars – all under one policy with one renewal date.
  • Pet Insurance

    • Up to £8,000 towards vet fees to treat any injury and illness – and no limit on how many claims you can make in one insurance period.
    • Have your pet insurance claim paid directly to the vet if you prefer.
    • Cover all your cats and dogs under one policy.
Optional extras

Travel Insurance

Enjoy annual cover that includes:


Breakdown cover and enhanced courtesy car


Pet Insurance

What’s not included

For a full list of what’s not covered by our SELECT Premier home, car and/or pet insurance make sure you read through the relevant policy documents. To view all our policy documents simply click the button below.

Documents
Get quote
or

If you need less cover than our SELECT Premier Insurance,
please check our Home Insurance products.

What's standard
Policy documents

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

What's standard
  • Unlimited buildings insurance

    We provide unlimited buildings insurance cover against all risks of loss and damage to your 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. You’re also covered against all risks of loss and damage at your home or anywhere in the world for up to 60 consecutive days.

    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 – including jewellery, watches, cameras, mobile phones and golf clubs - against all risks of 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 two 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:

    • The cost of an HMRC full enquiry into your personal tax affairs
    • Inheritance disputes
    • Motoring prosecution
    • Your salary during jury service
    • Education disputes
    • Legal defense for your work as an employee
    • Defense of employment claims brought by domestic staff
    • Recovering possession of your home from domestic staff
    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 emergency helpline

    Our emergency helpline is here when you need us.

    Call us if you need help with:

    • Claims notification
    • Home emergencies
    • Legal defense for your work as an employee
    • Tax advice and the cost of an HMRC full enquiry into your personal tax affairs
    • Medical and healthcare issues
    • Counselling
    • Domestic staff disputes
    • Service occupancy disputes
  • 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 Advisor will:

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

Need higher levels of cover?

Call our Customer Advisors for information and a tailored quote to meet your individual needs.

Optional extra

Annual travel insurance

Add worldwide travel insurance for you and your family to your home insurance. This is an annual cover that includes:


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



Get quote
or

If you need less cover than our SELECT Premier Insurance,
please check our Home Insurance products.

What's standard
Policy documents

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

What's standard
  • Cover for performance cars, classic cars and motorbikes

    Premier cover for your pride and joy. With cover available for sports and classic cars, you can choose to cover all your high value cars under one policy with one renewal date or, you can start with one and add the rest over time.

    Cover includes:

    • £7,500 towards the cost of legal representation, medical expenses and counselling if you’re the victim of road rage or car jacking.
    • All classic cars are insured for an agreed value upfront, so if your car is stolen or damaged beyond repair, you’ll know how much you’ll receive.
    • Personal belongings cover up to £1,000 or, if you add SELECT Premier Home Insurance, all your possessions will be covered while stored in your car.
    • If an uninsured driver hits you - providing it’s not your fault - we'll cover your excess and your No Claim Discount won't be affected. We just need to know the registration number, make and model of the other driver’s car.
  • Multi-car cover

    The multi-car cover can be used by anyone in your family who lives with you.

  • European cover up to 90 days

    We know that SELECT Premier customers are more likely to use their cars abroad. That’s why our policy includes up to 90 days cover for driving in Europe.

  • Guaranteed replacement car up to 21 days

    If your car is unavailable following a claim, we’ll provide a replacement for up to 21 days. And when the repairs are done, we’ll deliver your car to your door. Or if you choose our enhanced courtesy car cover, we’ll provide you with a car of a similar specification.

  • Excess waiver if your car is written off or stolen and not recovered

    If your car is less than two years old, we’ll provide a brand new replacement, in case it’s written off or stolen and not recovered.

  • Personal accident cover up to £30,000

    We’ll pay you or your legal representatives up to £30,000 if you or your partner is accidentally injured during a road or travel accident and this injury alone results, within three months of the date of the accident, in:

    • Death or
    • Permanent disability
  • 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 Advisor will:

    • Manage your claim from start to finish
    • Act as your point of contact throughout the process
    • Answer your questions directly at any time
    Good to know
    • 5-year guarantee when you use one of our approved repairers, or alternatively you can use a garage of your choice.
    • You’ll receive a discount for every additional car you insure with SELECT Premier.



Need higher levels of cover?

Call our Customer Advisors for information and a tailored quote to meet your individual needs.

Optional extra

Breakdown cover

In the event of a breakdown, we’ll get assistance to your car as quickly as we can.

Get quote
or

If you need less cover than our SELECT Premier Insurance,
please check our Car Insurance products.

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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.

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