Combined home

We cover the physical structure of your home, any outbuildings, decorative finishes or permanent fittings in your home.

All your home's contents. It is a long list but most things are covered as standard.

All your personal possessions and valuables are protected worldwide if they're lost, stolen or damaged.

Jewellery, watches, fine art and antiques covered worldwide for theft, loss or damage. Only individually specify items over £25,000.

Any additions, alterations or improvements are covered up to 25% of your buildings cover.

We will pay for any damage caused accidentally.

If you are carrying out building works on your home, we will cover you up to £75,000, but let us know if it's going to cost more than this.

Automatic cover extends for 60 days for any new purchases up to 25% of your contents sum insured as longh us you let us know in that time period.

We will pay for damage due to forced entry during a medical emergency or to prevent damage to your home.

Worldwide cover for all bicycles and any sports equipment as standard.

We will pay for costs to replace locks on external doors, alarms, and safes after the loss or theft of your keys with no excess applied.

We will pay up to £2,500 for costs you incur in taking reasonable temporary preventative measures to protect your home from damage caused by a storm or flooding.

If the market value of a fine art or antique piece has appreciated within the last 3 years we will pay up to 150% of its insured value if you have a valuation in place.

If your art appreciates in value due to the death of an artist you will still be covered as long as you have a professional valuation in place.

We will cover the cost of locating a leak from fixed water tanks, apparatus and pipes.

If you can't live in your home for up to 3 years due to some insured damage we will pay for somewhere else for you to live.

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We will pay up to £10,000 to restore your garden if it is damaged from certain events.

We will pay up to £20,000 per claim for office equipment, and £10,000 for business stock.

We will pay up to £1,000 for repairs that prevent further loss or damage after a flood or a leak.

We will cover damage to your home between the exchange of contracts and completion.

We will pay up to £2,500 per item for garden furniture, statues, barbecues and items that live outside.

We will pay up to £5,000 per claim for land vehicles like lawnmowers, quad bikes, and Segways.

We will pay up to £2,500 to remove fallen trees blocking your main car access to your home.

We will pay for architect, surveyor, and engineer fees and site clearing and costs.

We will pay up to £5,000 for watercraft like dinghies, surfboards and small boats.

We will pay up to 25% of your contents sum insured for loss or damage to your belongings that are kept in storage. Limited to certain events.

We will pay up to £50,000 for fatal injuries as a result of a fire or burglary at your home and up to £15,000 for any necessary building alterations as a result of your injuries.

If public authorities deny you access due to nearby damage, we will cover the costs of alternative accommodation costs for up to 30 days.

We offer up to £5,000 as a reward to anyone who helps catch and convict anyone who caused a claim under this insurance through illegal actions.

Your excess as detailed in your policy schedule.

There is no cover for wear and tear, or anything that happens gradually.

There is no cover for loss or damage resulting from building works that cost more than £75,000.

There is no cover for general maintenance and decoration costs.

There is no cover for loss or damage occurring outside your period of insurance, or caused intentionally or through criminal acts by you.

There is no cover for any decrease in value as a result of a repair or replacement, or any loss not directly related to a valid claim.

There is no cover for any loss, damage or liability as a result of design flaws, workmanship, or mechanical and electrical faults or breakdowns.

There is no cover for any loss, damage or liability from any part of your home that is let or is used for business purposes.

There is no cover for loss, damage or liability from confiscation or holding your property from officials or authorities.

There is no cover for losses when your home is unoccupied for over 45 days, and certain precautions listed in the policy wording have not been taken to safeguard your home and heating system during certain periods.

There is no cover for loss, damage or liability from computer viruses or data corruption.

There is no cover for loss or damage due to warping or shrinkage.

There is no cover for items stolen from an unattended vehicle are only covered if force and violence were used to gain entry. Additionally, the items must have been hidden from view or locked in the boot or glove box.

There is no cover for subsidence, heave or landslip in certain specific scenarios. See the policy wording for further details.

There is no cover for damage caused by storm, flood, frost, fallen trees, or snow to certain garden structures such as fences, pergolas and hedges unless your home is also damaged by the same insured event.

There is no cover for undelivered goods or services purchased online.

There is no cover for loss of value to contents following repair, replacement, or reinstatement.

There is no cover for costs to clear blocked sewer pipes, drains, pipes or underground tanks unless damaged from an insured event.

There is no cover for items improperly packed or secured during transport.

There is no cover for loss, damage or liability from pollution or contamination except in specific circumstances listed in the policy wording.

There is no cover for loss or damage or any legal liability from radioactive materials or nuclear components, or from potentially catastrophic events like radiation leaks.

There is no cover for damage or liability from intentional or malicious use of guns is not covered.

There is no cover for direct or indirect damages resulting from war, civil disturbances, or terrorist acts.