Additional Cover to your Standard Buildings Insurance

Accidental Damage Cover to your Buildings Policy

Standard Buildings Insurance covers you for accidental damage to fixed glass such as windows and patio doors, bathroom fixtures and fittings. Full accidental damage cover will cover you for additional accidents in the home:

For Example:

If a hot pan burns your kitchen work surface this would be covered by Full Accidental Damage Cover.

For Example:

If you accidentally put your foot through the loft ceiling this would be covered by Full Accidental Damage Cover.

Are there any excesses?

The first £50 of each claim under your Accidental Damage Cover unless an excess waiver or voluntary excess is stated under the relevant section of your policy schedule, or a compulsory excess has been imposed.

Additional cover to your Standard contents for even more peace of mind

You can buy the following additional protection for your special possessions. You will need to pay the first £75 of any claim on these additional insurances.

Here are some of the options available to you:-

Accidental Damage To Contents Cover up to £100,000

Accidental Damage Contents Cover will cover you for accidental damage to items other than Audio and Visual equipment, TV's, DVD and Video Players or recorders and fixed glass, as these items are already covered in our Standard Contents Insurance.

For Example:

If anyone spills wine on a carpet, Accidental Damage Cover would cover the cost of having the carpet professionally cleaned, or replaced.

For Example:

If you accidentally knock over a china figurine and break it, Accidental Damage Cover would cover this up to £250. For an additional sum you may be able to increase this limit.

For Example:

If you accidentally sit on a pair of glasses and break them, Accidental Damage Cover would cover the cost of replacing them.

Are there any excesses?

The first £75 of each claim under your Accidental Damage Cover unless an excess waiver or voluntary excess is stated under the relevant section of your policy schedule, or a compulsory excess has been imposed.

Personal Belongings Away From Home Cover up to £5,000

You can provide extra protection for your personal belongings by taking out this additional insurance, which covers you for loss or damage for items that you take outside the home such as:

Luggage, cameras, videos, jewellery, credit cards (up to £500) and cash (up to £300).

The maximum you can claim for any single incident is £5,000.

The maximum you can claim for any single item is £2,000.

This insurance covers you while you're anywhere in Europe for any length of time, and for up to 60 days anywhere else in the world.

High-risk property extension for high value items worth more than £2,000

High risk property, jewellery, precious stones, articles made from gold, silver and other precious metals, clocks, watches, furs, photographic equipment, business equipment, binoculars, telescopes, musical instruments, curios, pictures and other works of art, and collections of stamps, coins or medals.

Any of these items, which are worth more than £2,000, warrant special cover.

Each of these items needs to be individually listed on your policy. They will then be fully covered for the amount shown. In the event of a claim, you will need to provide proof of valuation. Your official valuations should be kept up to date, to make sure you can claim for the full current value of these items.

We also recommend that you take photographs of all high value items.

Pedal cycles

If a pedal cycle is stolen or damaged while in an enclosed locked storage area at your home, it will already be covered under your Standard Contents policy.

If your cycle was stolen while it was padlocked to a railing or anywhere away from your home, you would just need this extra cover.

It costs very little to insure your pedal cycles for their full replacement value if they are lost, damaged or stolen when they're away from your home.

Legal Expenses and Home Emergency Insurance are underwritten by DAS Legal Expenses Insurance Company Ltd. Please see section 10 and 11 of the Home Insurance policy wording available at your request for relevant details. Click here to download a .pdf file.