We want to make sure you know exactly what you’re covered for and that you have the information
you need should you need to make a claim.
Unlimited Buildings and Contents Cover*
We don’t ask you to calculate the exact cost of rebuilding your home or replacing your contents. There is no total sum insured limit, but single article and total valuable limits apply, which are set out below.
Limits for valuable items
We want to make sure your valuables are fully covered, that’s why we have a limit of £30,000 cover for items such as jewellery, watches or cameras, with a maximum value of £15,000 per item.
Personal Possessions away from home
If you have Personal Possessions Cover, your belongings are protected against loss and damage anywhere in the
world. For example, they’re covered if you take them with you on holiday. The cover starts at £2,500 with
our Classic policy and can be increased up to £25,000. You can also choose to add this cover to our Flex policy.
New for Old
If the item you’re claiming for is no longer available, we will replace it with the latest model – regardless of
how much you originally paid or the age of the item.
Like for Like
If we can’t replace the exact item, we’ll find you a replacement that matches the same quality and specification of the item you’re claiming for.
Wear and Tear
Gradual damage can occur to your property and contents over time and this wouldn’t be covered by your policy. For example, loose roof tiles or rotten wooden window frames.
Read our top tips on preventing wear and tear in your home.
Please refer to your policy document for full information about your cover.