Your cover explained

Private residence

Buildings insurance

This covers the private residence including integral and attached garages and conservatories, gates, fences, paths, driveways and patios. This includes:

• replacement locks and keys
• alternative accommodation if your home becomes uninhabitable
• accidental damage to underground services
• trace and access and emergency access cover in the home perimeter
• property owner's liability.

Read more about Buildings - Private residence cover in the policy booklet (PDF).

Contents insurance

This covers contents in the private residence including contents in integral or attached garages and attached conservatories. This includes:

• replacement locks and keys, freezer contents, visitors’ belongings, clerical business equipment, money and cards
• alternative accommodation if your home becomes uninhabitable
• occupier’s and public liability cover.

Read more about Contents - Private residence cover residence in the policy booklet (PDF).

Please note: to check what cover you’ve chosen, see your policy schedule.

Replacement of sets cover (available with Home Insurance Comprehensive)

Buildings insurance - This cover is only available with Home Insurance Comprehensive

Where there is a valid claim, this covers the changing or replacement of any associated undamaged items that form part of a matching set or suite that is lost or damaged where a reasonable match cannot be obtained. By ‘reasonable match’ we mean this may be similar but not an exact match. This includes:

• Replacing undamaged kitchen units because their matching units are damaged; or
• Replacing an undamaged bath because a broken toilet cannot be matched.

Read more about Buildings - Replacement of sets cover in the policy booklet (PDF).

Contents insurance - This cover is only available with Home Insurance Comprehensive

Where there is a valid claim, this covers the changing or replacement of any undamaged item that forms part of a matching set or suite that is lost or damaged where a reasonable match cannot be obtained. By ‘reasonable match’ we mean this may be similar but not an exact match. For example:

• Replacing an undamaged sofa because a matching armchair is damaged.

Read more about Contents – Replacement of sets cover in the policy booklet (PDF).

Please note: to check what cover you’ve chosen, see your policy schedule.

Accidental damage cover

Buildings insurance

This covers damage caused accidentally. This includes:

• football smashing a window
• DIY accidents
• slipping in the bath causing it to crack
• snapping a key in the lock.

Read more about Buildings – Accidental damage cover in the policy booklet (PDF).

Contents insurance

This covers damage caused accidentally. This includes:

• spilling wine on a carpet
• snapping a key in a lock
• knocking over and damaging a TV.

Read more about Contents – Accidental damage cover in the policy booklet (PDF).

Please note: to check what cover you’ve chosen, see your policy schedule.

Outbuildings cover

Buildings insurance

This covers structures detached from your private residence. This includes:

• sheds
• summer houses
• garages.

Read more about Outbuildings cover in the policy booklet (PDF).

Pedal cycle cover

Contents insurance

This covers loss or damage including accidental damage to pedal cycles. This includes:

• cover when the pedal cycles are in your home
• cover for pedal cycles within the boundary of your home
• cover for pedal cycles temporarily away from your home.

Read more about Pedal cycle cover in the policy booklet (PDF).

Contents in outbuildings and in the open cover

Contents insurance

This covers contents in detached outbuildings. This includes:

• clothes
• BBQ’s
• tools
• gardening equipment
• lawnmowers
• freezer contents
• domestic fuel and water.

This also covers contents in the open within the boundaries of your home. This includes:

• garden furniture
• ornaments
• pot plants.

Read more about Contents in outbuildings and in the open cover in the policy booklet (PDF)

Students’ contents away from home cover

Contents insurance

This covers students' contents away from home. This includes:

• contents and personal belongings away at university halls of residence or rented student accommodation
• accidental damage.

Read more about Students' contents away from home cover in the policy booklet (PDF).

Personal belongings away from the home cover

Contents insurance

This cover is for items carried or worn outside the home (individually worth no more than £3,000), such as:

• jewellery
• spectacles
• watches
• laptops
• tablets
• mobile phones
• money and/or cash cards

Read more about Personal belongings away from home cover in the policy booklet (PDF).

High risk items

Contents insurance

High risk items include:

• televisions
• computers
• photographic equipment
• jewellery.

Read more about High Risk Items cover in the policy booklet (PDF)

Specified items cover

Specified items include:

• personal belongings and high risk items that are named and worth over £3,000, inside and/or outside the home

Read more about Specified items cover in the policy booklet (PDF).

Legal expenses cover

This covers legal costs and expenses for insured incidents. This includes:

• employment and contract disputes
• personal injury cases
• clinical negligence
• jury service and civil cases relating to your personal possessions.

Read more about Legal expenses cover in the policy booklet (PDF).