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).
We provide cover for the accidental damage of:
- Audio & Visual equipment
- Business equipment
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.
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.