Home insurance with adverse claims history

You can tailor your policy to suit the level of protection you need for your home. Your policy can include:

• Loss or damage

Cover if your home is broken into and your possessions are stolen, or your buildings or items are damaged by natural events like fires, storms or floods.






• Personal belongings

Whether you’re at home or away, your belongings are protected.






• Alternative accommodation

You're protected if your home isn't fit to live in following an insured event (like a fire or a flood). Get alternative accommodation for you, your family and your pets.






• Garden cover

For those with green fingers – you’re insured on your sheds, plants and equipment.






• Trace and access cover

With trace and access cover, you’re not just covered for the cost of repairing a water or oil leak, but also any damage caused when tracing the source of the leak.






• Damage to additional items

Get cover for items some insurers forget, like damaged solar panels, sanitary ware, cables and domestic and underground pipes.

Your policy will not cover you for:

• Loss or damage on an unoccupied home

Depending on your chosen policy, your buildings or contents can’t be covered if you’re away for more than 30, 45 or 60 days in a row.

 




• Certain damages

Such as damage caused by wear and tear, vermin and insects, fungus, damp, light, wet or dry rot.

 




• Contractors working on the premises

Cover doesn’t include damage to your property or liability arising from any major works being carried out. For this type of cover, you might need renovation insurance.