Policy limits

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

 

Buildings

Alternative accommodation and rent Unlimited
Emergency Entry Unlimited
External door locks £500
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

Alternative accommodation and rent 20% of contents sum insured
Births 10% of contents sum insured
Contents in your garden £2,000
Contents in your outbuildings £2,000
Contents which are temporarily removed from the home £5,000
Credit, debit, charge, cheque or cash cards £500
Deeds and documents £500
Domestic staff - your liability as their employer £10,000,000
External door locks £500
Fatal accident benefit £5,000
Freezer and refrigerator contents £500
Home entertainment equipment High risk items sum insured
Household removal Contents sum insured
Metered water, oil or liquid petroleum gas £1,000
Mirrors and glass Contents sum insured
Money £500
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
Seasonal increase 15% of contents sum insured
Students cover £5,000
Visitors effects £500
Wedding gifts 10% of contents sum insured
Your liability as a tenant 20% of contents sum insured

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 and up to 2 hours labour costs and parts and materials up to a maximum of £100 including VAT.

Pest cover

  For the extermination and/or control of wasps and/or hornets nests, rats, mice and grey squirrels up to £150 incl. VAT per claim