We have various different providers who can provide different types of policy. This will cover you for buildings, contents or buildings and contents combined.
One of our policies suits all and has been rated five star by Defaqto for providing comprehensive cover. There is an option to quote for either on a building sum insured or on a bedroom rated basis.
Following a claim, any permanent repair work carried out by approved repairs is guaranteed for one year from completion of the work.
Key features;
- Five star Defaqto rated product
- Bedroom rating available
- Period of unoccupancy 60 days
Types of risks covered;
- Standard home insurance
- Bedroom rated up to £1 M building cover and up to £100,000 contents cover
- Child minding
- Lodgers
- Contents in depositories and storage
- Cover between exchange of completion
- Cover shared occupancy
- Bed and breakfasts
Optional additional covers;
- Accidental damage cover for building and contents
- Specified and unspecified all risk cover
- Mobile phones away from the home
- Increased contents on garages, sheds, green houses and outbuildings
- Pedal cycles, ride on lawnmowers, mobility scooters and quadbikes
Legal liability to the public
When buildings only or the buildings and contents are insured, property owners liability and legal liability to the public are covered. If the contents only are insured, the legal liability to the public is covered £2M cover is provided.
Cover for court awards and defected premises is also provided as standard
Standard cover provided
Buildings and contents are covered for loss or damage directly caused by;
- Fire, lightening, explosion or earthquake and smoke damage caused by these perils
- Aircraft and other flying devices or items dropped from them
- Storm, flood or weight of snow
- Escape of water from and frost damage to the fixed water tanks apparatus or pipes
- Escape of air from a fixed domestic or fired heating installation and smoke damage caused by a fault in any domestic heating installation
- Theft or attempted theft
- Collision by any vehicle or animal
- Any person taking part in terrorism, a riot, violent disorder, strike, labour, disturbance, civil commotional acting maliciously
- Fallen tress, telegraph poles or lampposts
- Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fittings and masts
- Subsidence, landslip or heave on the site of which the building stands
Buildings cover also includes;
- Accidental damage to the fixed glass, double glazing, solar panels, sanitary wear and ceramic hobs
- Additional damage to any underground water or gas main, sewer or drain pipe or underground electricity or telephone cable
- Loss of rent or alternative accommodation up to £75,000 or 20% of the buildings sum insured
- Additional expenses
- Increased domestic water charges
- Buyers benefit
- Trace and access
- Replacement locks
- Landscape gardens
- Fire extinguisher expenses
- Emergency access
- Closed circuit TV
- Nest removal
- Fly tipping
- Index linking
- £2 M property owners liability
- £2 M legal liability on the defected premises Act 1972
Contents cover also includes;
- Accidental damage to TV, audio equipment and computers/laptops
- Accidental breakage of fixed glass, double glazing and sanitary wear that tenants are liable for
- Contents temporarily removed
- Loss of rent of up to 12 months
- Alternative accommodation
- Tenants liability
- Accidental damage to any underground water or gas main, sewer or drainage, or underground electricity or telephone cable where tenants are liable for
- Fatal injury
- Replacement locks
- Increase domestic water charges
- Wedding gifts within the home
- Religious festival gifts and provisions
- Students contents up to £2,500
- Computer data
- Landscape gardens
- Guest personal possession
- Nest removal
- Fly tipping
- Freezer contents
- Money and credit cards
- Index linking
- £2 M legal liability to the public
- £2 M occupiers liability
- £5 M accidents to the domestic staff
- £100,000 call towards
