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Home insurance

You could pay £164 or less, 50% of our new customers did between July – December 2020

You can add FREE for the first year when you buy combined Buildings and Contents Insurance:

✔ FREE Family Legal Protection
✔ FREE Home Emergency Cover

What's covered?

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Buildings

 

Building Insurance

What does this cover give me?
  • Alternative accommodation – up to £75,000
  • Sum insured for buildings – unlimited
  • Cover for locks and keys – up to £1,000
  • 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

 

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
  • Special Events 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 5 years 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.

Customer Service opening hours:

Mon – Fri: 8am – 8pm

Sat: 9am – 5pm

Sun: 9am – 2pm

You can add on for free...

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Family Legal Protection – FREE for the first year, when you buy combined Buildings and Contents Insurance

  • 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, when you buy combined Buildings and Contents Insurance

  • 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 (subject to a £25 excess) are covered. Always handy, especially for when the boiler breaks down unexpectedly.

 

Handy Optional Extras!

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Perosnal Possessions

 

Personal possessions cover away from the home

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.

Find out more about our Personal Possessions Insurance.

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Pest Cover

 

Pest Cover

For an additional fee you can 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 (including VAT) of bed bugs in one infested area in the Home in the event of a call out.

Find out more about our Pest Insurance.

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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.
 

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