Home insurance excesses

An excess is a pre-agreed amount that you contribute towards the cost of a claim. For example, if you have storm damage to your roof that will cost £1,000 to repair and your policy has an excess of £100, you’ll be asked to pay the excess of £100 but can claim for £900 (the cost minus the excess). The excesses that apply to your policy will vary, depending on the covers you have selected and the excess amounts you’ve chosen.


The excess you choose will apply to all covers you select unless otherwise stated below. It’s important to note that by choosing a high excess level, you’ll restrict your ability to claim on some elements of your cover, such as accidental damage, where typical claims tend to be of lower value. Please ensure that your selected excess fully meets your needs before proceeding.


The tables below provide information on excesses payable under the different levels of cover we offer. If you have already purchased your cover with us your Policy Schedule will detail the excesses that will apply specifically to you.


If you've got both Buildings and Contents insurance with us and you need to claim under both for a single event, for example if a burst pipe damages both your ceiling and soft furnishings, you will only pay one excess (whichever is highest) for that claim.

Buildings insurance

Subsidence, heave, landslip and escape of water cover.

Excess payable for Home InsuranceExcess payable for Home Insurance Comprehensive
For any subsidence, heave and landslip claims £1,000 £1,000
For any escape of water claims £500 or your selected buildings excess, whichever is higher Your selected buildings excess

If you have a claim for subsidence, heave, landslip or escape of water then you will only have to pay the excess shown above, not any of the excesses below.

Private residence cover.

Excess payable for Home InsuranceExcess payable for Home Insurance Comprehensive
Private Residence Cover including any claims for Replacement of Sets or Accidental Damage Cover) Your selected buildings excess, except for the following items in this table Your selected buildings excess, except for the following items in this table
Replacement locks and keys £25 No excess to pay
Buildings – property owner’s liability No excess to pay No excess to pay

Outbuildings cover.

Excess payable for Home InsuranceExcess payable for Home Insurance Comprehensive
Outbuildings Cover (including any claims for Replacement of Sets or Accidental Damage Cover) Your selected buildings excess, except for the following items in this table Your selected buildings excess, except for the following items in this table
Replacement locks and keys £25 No excess to pay

Contents insurance

Escape of water cover

Excess payable for Home InsuranceExcess payable for Home Insurance Comprehensive
For any escape of water claims £500 or your selected contents excess, whichever is higher Your selected contents excess

If you have a claim for escape of water, then you will only have to pay the excess shown above, not any of the below excesses.

Private Residence Cover

Excess payable for Home InsuranceExcess payable for Home Insurance Comprehensive
Private Residence Cover Your selected contents excess, except for the following items in this table Your selected contents excess, except for the following items in this table
Replacement locks and keys £25 No excess to pay
Deeds and documents £25 £25
Loss of water, domestic heating oil and gas £25 £25
Money, cashcards, credit and debit cards £25 £25
Freezer contents £25 £25
Visitors’ belongings £25 £25
Contents – occupier’s and public liability cover including: No excess to pay No excess to pay
- Occupier’s and public liability No excess to pay No excess to pay
- Employer’s liability No excess to pay No excess to pay
- Tenant’s liability No excess to pay No excess to pay

Contents In Outbuildings And In The Open Cover

Excess payable for Home InsuranceExcess payable for Home Insurance Comprehensive
Contents In Outbuildings And In The Open Cover Your selected contents excess, except for the following items in this table Your selected contents excess, except for the following items in this table
Replacement locks and keys £25 No excess to pay
Deeds and documents £25 £25
Loss of water, domestic heating oil and gas £25 £25
Money, cashcards, credit and debit cards £25 £25
Freezer contents £25 £25
Visitors’ belongings £25 £25
Growing trees, plants, shrubs and garden equipment in the open £25 £25

Personal Belongings Away From The Home Cover

Excess payable for Home InsuranceExcess payable for Home Insurance Comprehensive
Personal Belongings Away From The Home Cover Your selected contents excess, except for the following items in this table Your selected contents excess, except for the following items in this table
Replacement locks and keys £25 No excess to pay
Money, cashcards, credit and debit cards £25 £25

Student Contents Away From The Home Cover

Excess payable for Home InsuranceExcess payable for Home Insurance Comprehensive
Student Contents Away From The Home Cover Your selected contents excess, except for the following items in this table Your selected contents excess, except for the following items in this table
Replacement locks and keys £25 No excess to pay
Money, cashcards, credit and debit cards £25 £25

Pedal Cycle Cover

Excess payable for Home InsuranceExcess payable for Home Insurance Comprehensive
Pedal Cycle Cover Your selected contents excess Your selected contents excess

Specified Items Cover

Excess payable for Home InsuranceExcess payable for Home Insurance Comprehensive
Specified Items Cover Your selected contents excess Your selected contents excess

Additional Cover

Excess payable for Home Insurance Comprehensive

Excess payable for Home InsuranceExcess payable for Home Insurance Comprehensive
Legal Expenses Cover No excess to pay except for: Property Protection - £250 for any legal nuisance or trespass claim. No excess to pay except for: Property Protection - £250 for any legal nuisance or trespass claim.
Property protection £250 for any legal nuisance or trespass claim £250 for any legal nuisance or trespass claim

Protecting Your Money FSCS