Contents Cover (top)
masterquote
home policies provide the high level of cover you would expect from
one of the leading insurance providers in the UK. The following
are insured on a new for old basis in our competitive premiums forcontents
cover. The amount insured is index-linked; it will rise with
the cost of repair or replacement to items below.
Loss or damage due to fire, storm, flood, subsidence, or theft
to:
- Household goods and belongings owned by you or your family when
in your home.
- Valuables belonging to you or your family when in your home,
such as:
- Gold and silver articles and jewellery.
- Clocks and watches.
- Cameras and audio visual equipment.
- Home computer systems.
- Stamp and coin collections.
- Pictures and other works of art.
- Personal Effects.
- Cash, cheques, traveller's cheques, postal and money orders,
savings certificates and bonds. Loss of credit, debit, cheque
and cash cards.
- Visitors' personal effects up to £250 when in your home
(unless otherwise insured), for example clothing and jewellery.
- Freezer contents.
- Mirrors and glass.
- Items outside the home (eg garden furniture).
- £250 towards the costs of replacing door locks (if the
keys are stolen).
- £250 towards the costs of replacement title deeds.
- £1,000,000 Public and Personal Liability and up to £5,000,000
in fees or compensation for accidents to domestic employees.
- Legal helpline for any private legal problem.
- Temporary removal of the contents and alternative accommodation.
Please note that each of the above is subject to terms and conditions,
a maximum amount insured per policy and any excess, with deductions
for wear and tear on clothing, household linen.
To view the full policy wording Click
here
Buildings Cover (top)
The following are insured in our competitive premiums forbuildings
cover. The amount insured is index-linked, it will rise with
the cost of repair or replacement to items above.
- Loss or damage to the buildings (including the index-linked
cost of repair or replacement) caused by:
- Fires, smoke or lightning.
- Storm or flood.
- Subsidence or landslip.
- Vandalism, riot or civil disturbance.
- Frozen pipes.
- Falling trees, branches, aerials or satellite dishes.
- Oil leak from a heating system.
- Theft or attempted theft.
- Architects and surveyors' costs and legal fees in the event
of damage to the buildings.
- Cost of site clearance and making the buildings safe in the
event of damage.
- Alternative accommodation in the event of the home being rendered
uninhabitable.
- £1,000,000 Public Liability.
Extra protection is available for accidental damage to buildings,
but the following areautomatically
covered against accidental damage.
- Glass in windows and doors.
- Ceramic hobs in fitted cookers.
- Sanitary ware.
- Cables and underground pipes.
Extra protection is available for the following:
- Accidental damage to contents.
- Unspecified articles inside and outside the home.
- Sports equipment (including guns) inside and outside the home
to a limit of £500 per loss.
- Specified articles inside and outside the home.
- Bicycles.
Please note that each of the above is subject to terms and conditions,
a maximum amount insured per policy and any excess.
Family Legal Protection Benefits (top)
Legal protection for the family for only £15.50
£50,000 Legal costs in the event of:
- A dispute arising from the purchase or sale of any goods or
services (including your home)
- Any damage to your home
- Any accident causing your death or bodily injury (except as
a result of medical negligence or a road traffic accident involving
a your vehicle or any other vehicle for which you are legally
responsible)
- Employment disputes
- An Inland Revenue investigation into your personal tax affairs
Home Emergency Assistance (top)
In the event of an emergency at home, qualified approved tradesman are available to the policyholder 24 hours a day, 365 days a year, for only £30.00
- Call out charges, labour and any parts that the tradesman may charge for are all covered up to a £300 maximum per claim. There is no limit to the number of claims can be made in any 12 month period and no excess is payable.
- Central Heating failures, blocked pipes, lost keys, vermin problems and external glazing are all covered (subject to conditions).
Incidents are normally attended within 2 hours.
- You have the security of a customer satisfaction telephone callback service within 48 hours of the tradesman attending.
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