Home Insurance policy add-ons

We offer 2 levels of cover protecting things like sanitary fittings and service pipes, home entertainment systems – even any glass in your furniture.

Our 'Limited' cover:

• For Buildings Insurance, this covers accidental damage to any fixed glass, sanitary fittings (like your bathroom sink), service pipes and cables
• For Contents Insurance, this covers accidental damage to non-portable home entertainment equipment, mirrors and glass in furniture (like cabinets or coffee tables)

Our 'Extra' cover:

• For Buildings Insurance, this also covers accidental damage to the rest of your home
• For Contents Insurance, this also covers accidental damage to most of your belongings in your home – so no need to worry if you spill that glass of wine on the carpet

Unfortunately, we don't cover gradually occurring damage, breakdown or faults, or damage caused by faulty or unsuitable materials, design or poor workmanship.

If you've not made a claim for 5 years or more, you can select this cover to protect your no claims discount on your Home Insurance Policy. For existing customers to be re-eligible, they must be claim-free for at least 3 years again.

 It's that simple.

Legal Services cover can help resolve a wide range of legal issues.

We provide access to 24/7 legal advice and we’ll cover up to £100,000 of legal costs per claim for you, your domestic partner, and any family members living with you.

We can offer advice on employment law, consumer and contract law, property disputes, personal injury and medical and cosmetic negligence, and more.

If something sudden happens which causes a loss of essential services – like heating or power breakdown or a pest infestation – we’ll cover:

• Labour, parts and materials – up to £1,000 with no excess
• Hotel accommodation – up to £1,000 with no excess

We don't cover dual-purpose boilers, domestic appliances like dishwashers, normal day-to-day maintenance, or wear and tear.

Going further than our Contents Insurance, this covers you in and away from the home, in the UK, or anywhere else in the world. You'll be covered for:

• Personal items with a single article limit of £2,000 (plus separate cover available on higher value items)
• Personal money up to £3,000
• Credit cards up to £1,000
• Theft from an unattended vehicle up to £1,500 as long as the items were secured out of sight 

Unfortunately, we can’t cover everything – for example, we don’t cover sports equipment like skis or riding tack as standard.

While cycles are covered at home under our standard Contents Insurance, we can provide extra cover for bikes used by you and your family anywhere in the world.

Select your own level of cover between £300 and £5,000.

Unfortunately, we can’t cover theft of unattended bikes unless they’re locked in a building or to an object that can’t be moved.