Your policy will include
- Standard unlimited cover for building and repairs.
- Up to £2 million cover for Public Liability.
- Valuable cover for all your outbuildings.
- Important cover for accidental damage on all your fixed glass.
- Up to £40,000 worth of alternative accommodation if you cannot live in your home due to damage insured.
The Standard Buildings Insurance covers:
Your home will be covered against damage caused by:
In addition, your policy will cover you for accidental damage to:
Please note:
There is a limit of £10,000 for the rebuilding cost of each outbuilding.
There is a limit of £40,000 for the cost of temporary accommodation if you have to move out of your home while repairs are carried out.
- Water
- Fire
- Flood
- Storm
- Vandalism
- Riot
- Impact
- Theft
- Subsidence
- Fixed glass (such as windows and patio doors.)
- Cables, underground pipes, drains and inspection covers.
- Bathroom fixtures and fittings.
- Accidental breakage of fixed stair-lifts in your home.
There is a limit of £10,000 for the rebuilding cost of each outbuilding.
There is a limit of £40,000 for the cost of temporary accommodation if you have to move out of your home while repairs are carried out.
Are there any excesses?
Unless an excess waiver or voluntary excess is stated under the relevant section on your policy schedule,
or a compulsory excess has been imposed, the following excesses will apply:-
i. The first £75 or £100 (as advised) of each claim under your Standard Buildings cover and Accidental Damage cover if applicable.
ii. The first £250 of a claim due to escape of water (if advised).
iii. The first £1,000 of each claim due to subsidence, heave or landslip.
i. The first £75 or £100 (as advised) of each claim under your Standard Buildings cover and Accidental Damage cover if applicable.
ii. The first £250 of a claim due to escape of water (if advised).
iii. The first £1,000 of each claim due to subsidence, heave or landslip.
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.