Home insurance

Make sure one claim doesn’t make 5 years’ or more of hard-earned discounts disappear.

This cover could untangle many different problems that need a legal mind. These include:

• problems with employment law – such as if you’ve lost your job unfairly
• your rights as a customer – for example, where something you’ve bought doesn’t work or never shows up 
• disagreements to do with your home – such as noise from your neighbours or where the line of a fence should be drawn
• personal injury – if you have an accident that wasn’t your fault and could possibly have been prevented
• issues with medical and cosmetic treatment – when you’ve had an operation or work done that’s not up to scratch

Having this add-on is like a key that unlocks access to legal advice right around the clock through a 24/7 helpline. We’ll also back you with up to £100,000 in legal costs for you, your partner, and anyone in your family that lives with you. And that’s for each claim you make.

Read more about our legal services cover

Know where to turn when your heating has a tantrum or swarms of bugs or mice decide to move in. Our home emergency cover includes:

• the work to put things right, including any parts and materials – up to £1,000 with no excess to pay
• your hotel bill if you need to move out in the meantime – up to £1,000 with no excess to pay

Just so you know: this doesn't cover dual-purpose boilers, the usual appliances you’d plug in around the home (like your dishwasher), those small day-to-day fixes, wear and tear, boilers and electric heaters which we deem to be beyond economical repair in which case we will contribute £500 towards a replacement and electric vehicle charging points under the Electrical Emergency section are covered up to £2,000 per claim.

We cover personal belongings in and away from the home, in the UK or anywhere else in the world. This is an optional cover ^{Footnote [2]}:

• Personal items – up to £2,000 for any one item (although you can take out extra cover for anything that costs more)
• Cash – up to £3,000
• Credit cards – up to £1,000
• Belongings left in a vehicle – up to £1,500 for anything stolen that you’d stored away from prying eyes

We can’t cover everything though. For example, we don't include business tools, or when electrical items stop working.

Guard against those clumsy moments or mishaps at home. Like treading on a games console, or knocking over speakers. Cracking your glass tabletop. Or if your septic tank or service pipes spring a leak.

We’ve got two levels of cover. Here’s how they dial up the value of your building’s insurance or contents insurance.

Limited cover

Boosts your buildings insurance with cover for:

• Any fixed glass (aka windows or glass doors)
• Fittings connected to a water supply, like your bathroom sink (not appliances like washing machines or dishwashers)
• Service pipes and cables

Ramps up your contents insurance with us by covering: 

• Non-portable home entertainment equipment
• Glass in furniture like cabinets or coffee tables
• Mirrors (the cost, not the bad luck) 

Extra cover

This flexes its protective muscles, and covers accidental damage to every other square inch of your home for buildings insurance, and almost everything you own for contents insurance.

We don’t cover costs to fix or replace anything that was faulty in the first place, was badly designed or that someone fitted in the wrong way.

While bikes (the kind you pedal) are covered in your home under our normal contents insurance, we can layer on extra cover for any bikes you and your family use – wherever in the world you hop onto the saddle.

However many bikes you'd like to insure, just choose the amount that's enough to replace the most expensive, between £300 and £5,000.

We don’t cover stolen bikes you’ve left on their own, unless they’re locked inside a building, or to something that can’t be moved.