Contents Insurance

This valuable cover provides protection 24 hours per day, 365 days a year if you need immediate help to prevent damage or further damage to your home, to make it safe and secure or alleviate unreasonable discomfort, risk or difficulty to anyone living there.

You will be covered for emergencies associated with:

• Plumbing and Drainage
• Main Heating System
• Domestic Power Supply
• Toilet Unit
• Cooking System
• Home Security
• Lost Keys
• Pest Infestation

Our unique Home Emergency cover now includes cover for pest infestation of 10 common pests to your home and its outbuildings as well as your garden.

Home assistance covers you for up to £500 (including VAT) for:

• The contractor's call out charge
• Up to 2 hours' labour costs
• Parts and materials up to £100

Home Assistance Cover costs £63 per year, £5.72 per month

The policy is underwritten by Mapfre Asistencia Compania Internacional

Your pedal cycles are already covered for loss or damage under the Standard Contents Insurance whilst at home.

If you want to insure them away from home for their full replacement value if they are lost, damaged or stolen, you would just need to add this additional cover.

Personal Legal Protection Cover

Personal Legal Protection Cover gives you full access to legal advice and representation providing you with up to £50,000 worth of costs should you or any family members living at home with you wish to pursue legal proceedings covered below:

• Personal Injury
• Clinical Negligence
• Contract Disputes
• Employment Disputes
• Property Protection
• Identity Theft Cover

Legal Expenses Cover costs £17.50 per year, £1.59 per month

The policy is underwritten by Inter Partner Assistance SA administered by Arc Legal Assistance

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

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

Broken Bones Cover costs from £28 per year, £2.54 per month

The policy is underwritten by ACE European Group Limited.

Garden Secure Cover

This insurance covers:

• Fences
• Gates
• Hedges
• Patios
• Lawns
• Shrubs
• Trees
• Plants

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

The maximum claim limit is £750.

Garden Secure Cover costs £24.50 per year, £2.22 per month.

The policy is underwritten by Equity Red Star.

Matching Sets Cover up to either £3,000 or £10,000.

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 replacement item to match the existing 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.

Matching Sets Cover costs from £33.50 per year, £3.04 per month

The policy is underwritten by UK General.

This Insurance covers:

• Golf 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 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 costs from £66.00 per year, £5.90 per month.

The policy is underwritten by Equity Red Star.

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.

Angling Cover costs from £66.00 per year, £5.90 per month.

The policy is underwritten by Equity Red Star.

Our Contents Insurance covers you for accidental damage to Personal computers, Television sets (and their aerials), Radios, Audio and home  entertainment equipment (DVD players and cable/satellite/digital receivers). Full Accidental Damage cover will cover you for additional accidents in the home.

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

For Example: If you accidentally knock over a china figure 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.

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

We can provide cover for loss of or damage to you and your family's high risk property in the European area at any time or anywhere else in the world for up to 60 days.

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

These items which are worth more than £2,000 warrant special cover and will need to be individually listed in the ‘High-risk property’ section on your Quotation Application form and Policy Schedule. They will then be 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.

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

Luggage, cameras, videos, jewellery

Cash up to £500

Credit cards up to £500

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.