Home insurance


5 Star Defaqto rated Buildings and Contents cover

✔ New for old contents
✔ Unlimited buildings cover
✔ Alternative accommodation

For full details of cover and exclusions, please read our policy booklets

Defaqto 5 Stars Home Insurance 2014 to 2024 EXPERT RATED

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If you’re an existing customer looking for info on your policy, you can log in to your Account here or using the links at the top of the page. If you get stuck, look for the Need Help? button to access our Chatbot, or click here to check out our FAQs.


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We’re working on creating a great new online experience for our customers at the moment, which unfortunately means you can’t currently get a quote from us. Please do pop back the next time you’re looking for home insurance.

What's covered?


Buildings Insurance

What does this cover give me?

Unlimited buildings cover
House blown away in a storm? We'll cover the cost of rebuilding

Alternative accommodation
Up to £75,000

Locks and keys
If your keys are lost or stolen, you'll be covered for the cost of replacing them and installing locks on any external doors up to the value of £1,000

Property owner's liability cover
Up to a £2 million as standard 


Did you know, you can...

Add Accidental Damage cover for an additional fee, covering the cost of repair or replacement as direct result of an accident

Find out more about
Building Insurance.

You can find our Home Insurance policy limits here.


Contents Insurance

How do you protect my most prized possessions?

New for old contents cover
No shabby substitutes, we'll replace all covered items as new

Garden contents
Up to £2,000, tools, plants or machinery

Personal money
Up to £750 to cover lost or stolen cash

Students cover
Up to £5,000 to cover contents in secure rooms in university halls or boarding schools*

Special Events cover 
Up to an extra 15%**

Home office equipment
Up to £10,000

These limits are included in and not additional to your sum insured.
Restrictions may apply, please check our policy booklet.

Did you know, you can...

Add Accidental Damage cover for an additional fee, covering the cost of repair or replacement as direct result of an accident

Find out more about
Contents Insurance.

You can find the current limits on our Home Insurance policy limits here.

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

*When not left vacant for more than 15 days. **Four weeks before and after a special event, such as a religious festival (up to 15% extra cover) and weddings/births (up to 10% extra cover).


Welcoming refugees

If you’ve stepped up to welcome a refugee into your home, we’ll treat them as family. That means that for the duration of the “Homes for Ukraine” initiative, taking in a refugee will not alter your home insurance policy and you don’t need to notify us that you’ve taken a refugee in. They’ll simply be treated in the same way we’d view any family members within your household.




Are you an existing Sheilas' Wheels Home Insurance customer?

When we issue your renewal quote, it will always be the same or less than the equivalent new customer price*

*The price you'd be given as a new customer if it was calculated using the same information available for your renewal quote (assuming the same cover details and sales channel).

Handy Optional Extras!


Family Legal

Family Legal Protection from Sheilas' Wheels

Up to £50,000 of legal costs cover (up to £10,000 for employment disputes) and access to expert lawyers. Events covered include personal injury, employment tribunals, jury cover, and more.

If you ever use Family Legal Protection your No Claim Discount won't be affected.


Home Emergency Cover

Home Emergency Cover from Sheilas' Wheels

24/7 emergency phone number, we'll also organise the out-of-hours tradesman.

Call-out charge, labour cost, parts and materials to a limit of £500 including VAT (subject to a £25 excess) are covered by Sheilas' Wheels.

If you do need to make a call out, No Claim Discount won't be affected.


Personal Possessions

Personal Possessions cover from Sheilas' Wheels

For an additional fee 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 from Sheilas' Wheels

Infestations are just plain awful. Get Pest Cover so you don't have to deal with the hassle. We cover exterminations up to £200 for bedbugs, and up to £150 for wasps, hornet nests, mice, rats, and squirrels.



Host insurance

Provided by Pikl in partnership with Sheilas' Wheels

Specialist insurance if you let your property out short-term on platforms like Airbnb




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

Home Insurance Hub

Learn more about our insurance, our level of cover or available add-ons and how they can suit you.


Customer Support Hub – for our latest guidance and support, including information on our Covid-19 initiatives, please visit our dedicated Hub