Buildings and contents insurance

• Up to £1,000 for labour, parts and materials (including VAT) per incident
• Hotel accommodation costs up to £1,000 if you can't live in your home
• No excess
• £500 boiler contribution for boilers declared beyond repair
• Loss of essential services, ie boiler breakdowns
• Roof damage following a storm
• Plumbing emergencies
• Electrical emergency and breakdown
• Lost keys or damage to locks, doors or windows
• Pest infestation of rats, mice, wasps or hornets

• Emergencies you were already aware of when you bought the cover
• Routine maintenance, cleaning and servicing of your property
• Air conditioning equipment
• Cosmetic damage to your property
• Repairs due to wear and tear, eg dripping taps
• Breakdown of domestic appliances like washing machines or electric showers

For a full list of events covered and exclusions please read the Home Emergency Cover section of the policy booklet (PDF, 65KB)

• Any excess on your policy
• Damage caused by wear and tear, vermin, insects, fungus, the weather or gradual damage
• Damage caused by water entering the home
• Damage caused by building extensions, repairs, alterations, subsidence, heave or landslip

For a full list of events covered and exclusions please read the Accidental Damage Buildings section of the policy booklet (PDF, 65KB).

• Any excess on your policy
• Damage caused by wear and tear, vermin, insects, fungus, the weather or gradual damage
• Damage caused by water entering the home
• Damage caused by domestic animals

For a full list of events covered and exclusions please read the Accidental Damage Contents section of the policy booklet (PDF, 65KB).

• Any excess on your policy
• Theft from an unattended vehicle – unless covered as specified in your policy
• Damage caused by wear and tear, vermin, insects, fungus, the weather or gradual damage
• Business or professional use of musical instruments, photo and sporting equipment
• Hearing aids
• Pedal cycles

For a full list of what's covered and exclusions please read the Personal Belongs Cover section of the policy booklet (PDF, 65KB).

• Any excess on your policy
• Any pedal cycles with a motor
• Theft if the pedal cycle is left unattended or unsecured
• Loss or damage to tyres or accessories unless the pedal cycle is stolen or damaged at the same time
• Loss or damage while the pedal cycle is being used for racing or business purposes.

For a full list of what's covered and exclusions please read the Pedal Cycles Cover section of the policy booklet (PDF, 65KB).

• Up to £500 of cover against loss, damage or theft of stock and samples used for your employment when stored at your home
• Up to £300 for money belonging to your business, and credit cards used for the purpose of your business. Your chosen limit will be shown in your policy

• Any excess on your policy
• Damage excluded in the Contents section of your policy
• Business credit cards, business or personal money
• Certain types of business stock or trade samples eg furs, antiques or works of art

For a full list of what's covered and exclusions please read the Clerical Business Equipment Cover section of the policy booklet (PDF, 65KB).

Add this cover to provide you with a lawyer if you need one, and up to £50,000 of legal costs to pursue or defend a wide range of disputes.

The range of disputes covered by legal expenses cover includes:

• personal injury
• employment
• property
• medical negligence
• consumer issues

There's no excess to pay when making a claim on legal expenses cover.

• Disputing a disciplinary or grievance procedure at work
• Any employer disputes which commenced within the first 30 days of holding this cover
• Personal injury or death claims related to a motorised vehicle you are driving
• Property disputes related to local or national planning policy or law

The lawyer will assess your prospects of success if you need to make a claim and pursue a dispute. If in their opinion your case would not be successful in court, your expenses may not be covered.

For a full list of what's covered and exclusions please read the Legal Expenses Cover section of the policy booklet (PDF, 65KB) for further information.

This is a type of home insurance that combines buildings and contents insurance to get complete cover for your home.

Home emergency cover provides expert help in the event of an emergency on or in your property.

It usually covers loss of essential services such as boiler breakdowns, roof damage following a storm, plumbing emergencies, electrical emergency or breakdown, and pest infestations.

For a full list of events covered and exclusions please read the Home Emergency Cover section of the policy booklet (PDF, 65KB).

Standard buildings and contents insurance doesn’t cover repairs to boilers. But, if you have home emergency cover as an add-on, repairs to your boiler would usually be covered. Terms and conditions apply.

If the leak was cause by storm damage, vandalism or any other cause covered by the policy, the cost of repairing your roof will be covered. It won’t be covered if the leak is due to wear and tear.

We class valuables as stamps, coin or medal collections, pictures, other works of art, items of gold, silver or any other precious metals, jewellery, watches and furs.

There's a single item limit of £1,500 so you'll need to let us know about anything valued above that.