Over 50's Buildings Insurance

Are you over 50? We give you up to £1,000,000 buildings cover as standard so that you don't have to calculate the cost of rebuilding your home and you never have to worry about being under insured.

Your home will be covered against damage caused by:

  • Water
  • Fire
  • Flood
  • Storm
  • Vandalism
  • Riot
  • Impact
  • Theft
  • Subsidence


The standard Buildings Insurance covers:

(Conditions Apply)

Cover Changes – We have made some exciting new enhancements to our cover for quotations given after 1st May 2012. 

* If you have an existing quote that was given before the 1st May 2012, you can take advantage of these changes by obtaining a new quote by clicking the ‘Get a Quote’ button or calling us FREE on 0800 29 88 707. Please note that as this is a new quotation the price may change.

* If you accept a quote given before the 1st May 2012 the price will not change ( as long as you are inside the 90 day quote guarantee period) and you will still benefit from the great levels of cover you were quoted for which can be found in the documentation you have been issued when you had your quote. Click here to refer to those limits. 

* If you already have a policy with us that is due to renew after the 1st of June 2012 you will be pleased to know that your renewal invitation will include the new cover limits.

  • Up to £1,000,000 Buildings Cover

    We give you up to £1,000,000 buildings cover as standard so that you don't have to calculate the cost of rebuilding your home and you never have to worry about being under insured.

  • Accidental Damage Cover to Buildings

    Our Buildings Insurance covers you for accidental damage to items such as:

    • Fixed Glass such as; windows and patio doors and solar panels
    • Cables
    • Underground pipes
    • Drains and inspection covers
    • Bathroom fixtures and fittings
    • Fixed stair lifts in your home

    You can increase this cover to Full Accidental Damage to cover other mishaps like putting your foot through the loft ceiling or burning a kitchen work surface with a hot pan.

  • Cover for outbuildings up to £10,000

    We will pay up to £10,000 to cover the cost of repairing/rebuilding your outbuildings. Please note, these limits are the highest cover we offer. Please refer to your policy documents for your exact limits.

  • Alternative Accommodation up to £40,000

    We will pay up to £40,000 to cover rent or alternative accommodation if you cannot live in your home whilst repairs are being carried out. Please note, these limits are the highest cover we offer. Please refer to your policy documents for your exact limits.

  • Cover for Property Owners Liability up to £2 million

    You are covered against your legal liability to pay damages and costs to others which result in Accidental death, disease, illness or Accidental physical injury to anyone, and for Accidental damage to physical property.

  • Excesses

    Excesses start from £50 for basic cover, £250 for escape of water claims and up to £1,000 for subsidence claims. There are also options to increase your excess for a lower premium. See your quote for more details.