We understand that your house and the contents you’ve worked hard for are of huge value to you, and we are dedicated to finding you high quality and good value buildings and contents insurance to help cover your household under any circumstance.

Our household insurance includes:

  • Replacement of contents on a new for old basis
  • Accidental Damage
  • The contents sum insured increased relative to the Retail Price Index
  • Lock replacement
  • Free 24 hour helpline


Replacement of contents on a new for old basis

The phrase ‘new for old’ is used to describe the process of replacing a lost old item with a sufficient amount of money to allow you to buy a new replacement. We will replace contents on a new for old basis (a deduction will be made for wear and tear on clothing and linen).

Accidental Damage

We provide cover for the accidental damage of:

  • Audio & Visual equipment
  • Computers
  • Business equipment
  • Glass

The Sum Insured relative to the Retail Price Index

We will increase the sums insured throughout the policy term in line with the Retail Price Index for contents, and House Rebuilding Cost Index produced by the Royal Institution of Chartered Surveyors for the buildings, both with no additional premium being charged.

Lock replacement

We will pay for your locks to be replaced if you loose your keys.

Free 24 hour helpline

24 hours, 365 days a year, access to a help desk able to advise on any personal legal matter. Also a domestic helpline to provide assistance service in connection with domestic emergencies. In addition, help with other problems that cause inconvenience by finding a local contractor to carry out any necessary repairs together with an emergency service for broken windows.