Home Insurance policy limits

This is a summary of the limits applying to your policy. Please read this in conjunction with the policy booklet.


Alternative accommodation and rent £75,000
Emergency Entry Unlimited
External door locks £1,000
Glass and sanitary ware Unlimited
Professional fees, clearance costs and local authority requirements Unlimited
Sale of your home Unlimited
Trace and access £5,000
Underground services Unlimited
Your liability as the owner of your home £2,000,000
Your liability as the owner of your previous homes £2,000,000


Contents and Personal Possessions

Alternative accommodation and rent £10,000
Births Contents sum insured plus 10%
Contents in your garden £2,000
Contents in your outbuildings (limit applies to theft only Claims) £2,000
Contents which are temporarily removed from the home £7,000
Deeds and documents £2,500
Domestic staff - your liability as their employer £10,000,000
External door locks £1,000
Fatal accident benefit £5,000
Freezer and refrigerator contents £1,000
Household removal Contents sum insured
Metered water, oil or liquid petroleum gas £2,000
Mirrors and glass Contents sum insured
Money £750
Nursing home cover £5,000
Office equipment £10,000
Pedal cycles £500 unless specified item
Personal liability and your liability as occupier of your home £2,000,000
Personal Possessions in a locked Motor Vehicle  £750 
Seasonal increase Contents sum insured plus 15%
Students cover £5,000
Visitors effects £2,500
Wedding gifts Contents sum insured plus 10%
Your liability as a tenant £10,000


Family Legal Protection/counselling services

£50,000 legal fees


Home Emergency

We will pay, subject to an overall limit of £500, including VAT per claim for the call out charge, labour costs and parts and materials. £500, including VAT per claim


Pest cover

 For the extermination and/or control of:

Bedbugs (up to 3 treatments in one infested area). Up to £200 incl. VAT per claim
Wasps and/or hornets nests, rats, mice and grey squirrels. Up to £150 incl. VAT per claim


Annual Travel Insurance (Home optional extra)

Cancellation £3,000
Curtailment £3,000
Personal Accident £10,000
Medical Emergency Expenses £10,000,000
Travel companion costs £2,000
Body repatriation (UK and overseas) or funeral costs (overseas trips only) £2,500
Emergency dental cover £200
UK trips return to home expenses £2,000
UK trips travel companion costs £2,000
Extended cattery/kennel fees in the event not home as planned £250
Hospital benefit post discharge/pre repatriation £100 (£10/day)
Baggage and personal possessions £1,500
Limit for any one article, pair or set of articles £300
Valuable limit £300
Delayed baggage £200
Personal money £200
Loss of passport/travel documents £150
Missed departure £500
Travel delay £100
Delay - 1st 12 hours £10
Delay - each subsequent 12 hours £10
Personal liability £2,000,000
Legal expenses £10,000
Travel Disruption - cancellation and curtailment £3,000
Travel Disruption - substitute accommodation cover £3,000
Travel Disruption - replacement flight £1,500
Travel Disruption - enforced stay £1,500


Winter Sports Cover

Ski equipment (owned) £500
Ski equipment (hired) £300
Ski Pack £400
Piste closure £300