Our levels of cover

Use this handy table to compare our two levels of cover. Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. If you like what you see, take a look at our policy booklet (PDF, 1.5MB), our excess table and our limits table (PDF, 113KB) for full details.

Buildings insurance information

Buildings insurance

Home Insurance Essentials

Home Insurance Plus

Buildings insurance

Buildings - Private residence cover

Home Insurance Essentials

Up to £400,000    

Home Insurance Plus

Up to £1 million

Buildings insurance

Outbuildings cover

Home Insurance Essentials

Optional

Home Insurance Plus

Included

Buildings insurance

Buildings - Accidental damage cover

Home Insurance Essentials

Optional

Home Insurance Plus

Included

Buildings insurance

Buildings - Matching sets cover

Home Insurance Essentials

Not available

Home Insurance Plus

Included

Contents insurance information

Contents insurance

Home Insurance Essentials

Home Insurance Plus

Contents insurance

Contents - Private residence cover

Home Insurance Essentials

Up to £55,000

Home Insurance Plus

Up to £80,000

Contents insurance

Contents in outbuildings and in the open cover

Cover for items in your outbuildings, like a detached garage or a shed. Also covers items in the open at your home, like in your garden.

Home Insurance Essentials

Optional
Up to £5,000 in outbuildings
Up to £1,000 in the open

Home Insurance Plus

Included
Up to £10,000 in outbuildings
Up to £2,000 in the open
 

Contents insurance

Contents - Accidental damage cover

Home Insurance Essentials

Optional

Home Insurance Plus

Included

Contents insurance

Contents - Matching sets cover

Home Insurance Essentials

Not available    

Home Insurance Plus

Included

Optional and additional cover

 

Optional contents cover

If you choose our contents insurance, but want a little bit more, you can add extra cover.

  • High risk items - for high risk items, like televisions, laptops and mobile phones, worth £1,500 or less each at home. Cover up to a total of £5,000 is included as standard. But you can select more cover if you need it.
  • Personal belongings away from the home cover - for items worth up to £1,500 each when away from your home.
  • Specified items cover - for personal belongings that you take away from the home and high risk items in the home that are worth more than £1,500 each.
  • Students' contents away from home cover - for items they take away from home to the place they're living while studying.
  • Pedal cycle cover - for all your bikes and accessories, at home and away.

To find out more about these options, take a look at our policy booklet (PDF, 1.5MB), our excess table and our limits table (PDF, 113KB)

Additional cover

For extra peace of mind you may want to consider:

  • Home Emergency cover for £45.36 per month. We'll pay towards emergency repairs to make your home safe. This includes call out charges, labour and parts. For full details of what is and isn't covered, read our Home Emergency cover policy booklet (PDF, 1.9MB).
  • Legal Expenses cover for £18.05 per month. This helps pay for legal bills if you or your family are involved in a legal claim. Take a look at our policy booklet (PDF, 1.5MB) to find out more. It gives you all the details and tells you everything you need to know.