Home insurance

50% of new Sheilas paid just £152 in March 2017

You can add FREE for the first year:

✔ FREE Family Legal Protection
✔ FREE Home Emergency Cover

What's covered?



Building Insurance

What does this cover give me?
  • Alternative accommodation – up to £75000
  • Sum insured for buildings – unlimited
  • Cover for locks and keys – up to £1000
  • Property owners liability cover – Up to £2 million as standard

Did you know, you can...

  • Add Accidental Damage cover for a small price giving you extra protection from those unexpected moments
  • Buy buildings and contents cover together for a discount

Find out more about building insurance

The current limits on what we pay can be found here



Contents Insurance

How do you protect my most prized possessions?
  • New items for old – we will replace your stolen or damaged contents with new ones
  • Garden contents – up to £2,000
  • Personal money – up to £750
  • Student cover – up to £5,000
  • Seasonal cover – up to an extra 15% of the contents sum insured*
  • Home office equipment – up to £10,000

These limits are included in and not additional to your sum insured.
*Four weeks before and after a special event, such as a religious festival.

Did you know, you can...

  • Get up to 40% No Claim Discount if you are claim free for five years
  • Add Accidental Damage cover for a small price to protect you from those unexpected moments
  • Buy buildings and contents cover together for a discount

Find out more about contents insurance

The current limits on what we pay can be found here

Need help with calculating your home’s content value? Our handy home insurance checklist can help you.

If you need to change the amount allocated to household goods or high risk items call 0345 045 8000 to see if we can cover you.

Customer Service opening hours:

Mon – Fri: 8am – 8pm

Sat: 9am – 5pm

Sun: 9am – 2pm

You can add on for free...

Family Legal Protection – FREE for the first year, saving you £25.99

  • Access to expert lawyers with up to £50,000 legal costs covered for you and your family
  • No Claim Discount not affected


Home Emergency Cover – FREE for the first year, saving you £54.99

  • Just one call and Sheilas’ Wheels will send a contractor to visit your home and carry out emergency repairs. Call-out charge, labour cost, parts and materials to a limit of £500 (including VAT) are covered. Always handy, especially for when the boiler breaks down.


Handy Optional Extras!

Perosnal Possessions


Personal possessions cover away from the home

For a small price you are covered for accidental loss, damage and theft of your personal possessions while they are temporarily removed from your home anywhere in the United Kingdom and for up to 60 consecutive days anywhere in the rest of the world.

Pest Cover


Pest Cover

Spend a little extra to avoid ringing around – you can claim for the call out charge and the professional extermination or control of wasps, hornets nests, rats, mice or grey squirrels subject to an overall limit of £150 (including VAT per claim).

For the treatment of bed bugs this cover will pay the contractors charges subject to a maximum of three treatments / extermination and an overall limit of £200 (inc. VAT) of bed bugs in one infested area in the event of an emergency.



Annual Travel Insurance

For a small fee Annual Travel Insurance (Home optional extra) provides you, your husband, wife, partner, joint named policyholder, and any of your children (including foster children), who permanently live with you at the insured address, with worldwide cover for unlimited trips subject to a maximum duration of 30 days per trip.

Winter Sports

You can also add cover for winter sports, the sports we cover can be viewed here. [link to Hazardous Activity Exclusions]

  • Pre-existing medical conditions unless declared to and accepted by us
  • If you are 80 years of age or older when your trip starts (Single Trip) or over 70 when your cover starts (Annual)
  • Children who are travelling alone

Make a claim

Supporting you when you need us most


Policy booklet

Check the policy booklet to find out what's covered by our Defaqto 5 Star rated insurance

What do our Sheilas think?

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