| Cover type | Level of cover |
| New for old | If we decide to replace a lost or damaged item we always replace new for old. We can replace or repair lost or damaged items, or make a cash settlement based on the replacement cost. We don’t make any reductions for wear and tear. |
| 24 hour home emergency cover | If you suffer a domestic emergency at your home, like a burst water pipe or blocked drain, we will organise an emergency repair and pay up to £500 for call-out, labour, parts and materials. 24 hour helpline and no excess to pay. |
| Buildings | We provide “all risks” cover, which means that we cover your buildings against any physical loss or damage, subject to the policy exclusions. Buildings cover of £500,000 and accidental damage to the buildings are both included as standard. We can increase the buildings cover if you need more. |
| Contents and possessions | Comprehensive cover for theft, storm or fire damage. Contents cover of £63,000 and accidental loss outside of the home are both included as standard. We can increase the standard contents cover if you need more. |
| Worldwide cover | Worldwide cover as standard for theft, loss and damage of your possessions when you take them away temporarily from home. |
| High value items | There's no need to list valuables, such as precious metals, jewellery, watches or guns, of less than £15,000 in value, as long as the total amount insured for contents covers them. |
| Garden furniture and ornaments | Contents cover up to £2,500 as standard, for garden furniture, ornaments, statues and other similar items you normally leave in your garden. |
| Home office and business equipment | Buildings and contents cover for your home office business for clerical or administrative work you and your employees carry out in your home or an outbuilding, including personal and legal liability cover. |
| Theft from outbuildings | Covered up to £5,000. |
| Students away from home | Up to £2,500 of cover for family members studying away from home. |
| Bicycles | Up to £1,000 per bike. |
| Money and bank cards | Your personal money and bank cards are insured against any physical loss or physical damage, up to £1,000 for money and up to £10,000 for bank cards. |
| Lost keys and replacement locks | If you lose the keys to outside doors, windows, safes and alarms of your home, we will pay up to £2,500 towards the cost of changing locks. |
| Family legal expenses | £50,000 of legal cover as standard. |
| Fine art and antiques | No need to list these as we cover them as standard as long as the total amount insured for contents covers them too. |
| New possessions | Any items in your possession for a short time, such as presents for other people, are covered automatically for up to 60 days, as long as they do not increase the amount insured for contents by more than 25%. |
| Loss of value | If we repair a damaged item of fine art or valuables, we will also pay for any loss in value, up to the market value of the time on the date of loss. |
| Moving house | The same level of cover when you’re moving your possessions as when they're in the home. |
