Optional Extras

You can buy the following additional protection:

Home Emergency Cover
Personal Legal Protection Cover
Garden Secure Cover
Identity Theft Cover
Broken Bones Cover
Trace and Access Cover
Matching Sets Cover
Golf Cover
Angling Cover

Home Emergency Cover from just £4.90 a month (including a monthly service charge) or £54.00 a year.

For less than 15p a day, you can cover the cost of emergency call-outs.

Free access to selected and qualified contractors, 24 hours a day.

We will arrange and pay for emergency assistance to handle insured incidents. The maximum payment will be £500 (including VAT) and incorporates:

The contractor's call-out charge
to 2 hours' labour costs
Up to £100 for parts

This Insurance covers:

Plumbing and drainage
Domestic power supply
Gas or electric cookers
Heating systems
Locks and lost keys
Locks, doors and windows
Toilet unit
Protection 24 hours a day

Personal Legal Protection Cover

Personal Legal Protection Cover from just £1.36 a month (including a monthly service charge) or £15.00 a year.

For less than 5p a day, you have full access to legal advice and representation.

Personal Legal Protection Cover up to £50,000 per claim.

This Insurance covers:

Purchased goods or services
Employment disputes
Small building contracts
Personal injury disputes
Defence of legal action against you for goods you have sold
Protection of your legal rights regarding the ownership or occupation of your home

Garden Secure Cover

Garden Secure Cover from just £2.18 a month (including a monthly service charge) or £24.00 a year.

This Insurance covers:

Fences
Gates
Hedges
Patios
Lawns
Shrubs
Trees
Plants

Which you own, that are outside but within the boundary of your home.

Identity Theft Cover

Identity Theft Cover from just £1.63 a month (including a monthly service charge) or £18.00 a year.

Identity Theft Insurance covers various expenses incurred in seeking to defend an individual's name and reinstate their credit status after fraudulent activity.

This Insurance covers:

ID Theft Assistance Help Line 08701 648 200

Monday - Friday (9.00 - 17:00) for:-

Identity theft prevention and victim assistance
Advice on how to maintain a good credit file and how to fix errors
Specimen letters and useful addresses

Expenses to defend individuals name and reinstate their credit status after fraudulent activity:-

Costs of notarisations and affidavits
Costs of mailing by Registered Post
Loan fees for re-applications to lenders
Legal fees to defend legal actions taken by merchants and debt collectors
The cost of telephone calls
The cost of a fraud resolution plan to resolve judgements wrongly entered against you
The costs of an approved identity restoration service
The cost of lost wages if it is necessary to take time away from work

Maximum claim limit £10,000.

Broken Bones Cover

Broken Bones Cover from just £2.50 a month (including a monthly service charge) or £27.50 a year. Age limit 75.

Broken Bones Cover will cover you for up to £800 per person if you break or fracture one of the following:

Skull
Spine Vertebrae
Sacrum
Coccyx
Rib
Clavicle (Collar Bone)
Shoulder Blade
Arm
Elbow
Wrist
Hip
Pelvis
Leg
Knee
Ankle
Heel
Foot
Toe

You are also covered anywhere in the world 24 hours a day.

For Example:

You can use the money to pay for a gardener or someone to clean your home.

Trace and Access Cover

Trace and Access Cover from just £2.27 a month (including a monthly service charge) or £25.00 a year.

Trace and Access Cover provides cover for tracking and tracing leaks to or from pipe work and or other services related items up to £5,000.

For Example:

If you have hidden pipes in the bathroom and one of these bursts, the damage caused by the burst is covered under your standard buildings insurance, however, the cost of finding the pipe, tracing the leak, fixing and perhaps re-tiling and the time your plumber has spent dealing with the leak is not covered under Standard Buildings Insurance but is covered under Trace and Access Cover up to £5,000.

Matching Sets Cover

Matching Sets Cover up to £3,000 from just £2.99 a month (including a monthly service charge) or £33.00 a year.

Matching Sets Cover up to £10,000 from just £9.08 a month (including a monthly service charge) or £100.00 a year.

Your Standard Buildings Insurance will cover the replacement of a damaged unit in a kitchen or bathroom. However, if we are unable to source a new matching set, then Matching Sets Cover will cover you for replacing the whole set (all the kitchen units or a new bathroom suite) rather than just one item, giving you a matching set.

Golf Cover

Golf Cover from just £5.90 a month (including a monthly service charge) or £65.00 a year.

This Insurance covers:

Golf equipment up to £2,000
Golf Subscription up to £1,500*
Emergency hospital treatment up to £750
Emergency dental treatment up to £300
Hire of golf equipment up to £250
Hole in one cover up to £100
Tournament entry fees up to £250*
Personal liability up to £2,000,000

* In case of sickness or injury for more than 60 days, if you've paid these subscriptions in advance you are covered for the amounts shown.

Angling Cover

Angling Cover from just £5.90 a month (including a monthly service charge) or £65.00 a year.

This Insurance covers:

Angling equipment up to £2,000
Club Subscription up to £1,500*
Emergency hospital treatment up to £750
Emergency dental treatment up to £300
Hire of angling equipment up to £250
Match entry fees up to £250*
Personal Liability up to £2,000,000

* In case of sickness or injury for more than 60 days, if you've paid these subscriptions in advance you are covered for the amounts shown.

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.