Our Home Insurance policies include an excess. This is the first part of any claim you might make which you have to pay yourself. Our excesses are shown in our Policy Summary.
Insurance is designed to cover the cost of unexpected losses. It does not cover wear and tear. If your property is not in a good state of repair, your claim may not be paid in full.
Yes. For certain damage cover is restricted after 35 days.
If you provide us with the full rebuilding cost including professional fees, statutory and site clearance costs, we will automatically index-link the sum insured for you so that it goes up in line with inflation but you should also check it yourself in case of other variations.
We offer premium discounts for improved security. Examples may include, having good-quality locks and a burglar alarm.
Policies can be extended to provide loss away from the home.