WORLDWIDE CONTENTS COVER

Physical loss or damage cover (including accidental loss or damage) for the contents of the home whilst anywhere in the world.

NEW ACQUISITIONS

New purchases are automatically covered up to 20% of the Contents sum insured with up to 60 days to notify Insurers

RELIGIOUS FESTIVALS AND WEDDING GIFTS

The contents sum insured is automatically increased by 25% for religious festivals and weddings

LOSS OF METERED WATER AND OIL

The cost of oil lost and increased metered water charges up to 20% of the contents sum insured

OFFICE BUSINESS EQUIPMENT

Up to £20,000 for office business equipment whilst it is at the home

HOLE IN ONE

Up to £500 in the event of a hole in one being achieved in a golf competition

FREEZER COVER

Unlimited cover for the contents of freezer cabinets

SECOND HOME

Cover for the contents of second homes up to £50,000 included automatically immediately Insurers are given details of the additional home.

REPLACEMENT LOCKS AND KEY COVER

Unlimited lock and key replacement cover for safes, alarms and external doors and windows

HALLS OF RESIDENCE AND RESIDENTIAL CARE

Cover for student possessions whilst at university, college or school, and for contents at Nursing homes or residential care homes up to £10,000

PROPERTY OF THE GUESTS

The personal effects of guests at the home are covered at the home up to £10,000

REWARD

Cover is provided up to £5,000 to pay a reward to anyone providing information which leads to the arrest and conviction of a person who committed an illegal act which resulted in a loss under the policy.

LIABILITY TO OTHERS

Liability to domestic employees covered up to £10,000,000.
Personal and Occupiers Liability up to £5,000,000

LOSS OF RENT AND ALTERNATIVE ACCOMMODATION

The cost of alternative accommodation and the loss of rent payable for a period of up to 2 years.

ACCIDENTAL DAMAGE BY PETS

Provides cover for damage to the contents caused by pets including fouling and scratching up to £5,000

COMPUTER RECORDS

The cost of retrieving or reconstructing computer records are covered up to £5,000.

DEEDS AND DOCUMENTS

Deeds and Documents are covered for the cost of replacement up to £10,000.

Cover is subject to various Exclusions and Limitations. Please refer to the Policy Wording for full details of the cover and the Exclusions and Limitations. The policy wording can be downloaded from the Document Centre and details of the main Exclusions and Limitations can be found here.