Home Insurance 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 | £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 or curtailment | £5,000 |
|
Emergency medical and associated expense: - In-patient benefit |
£15 million |
| Loss of travel documents | £200 |
| Delay of personal possessions | £500 (£100/12hrs) |
|
Personal Possessions: - Single item, pair or set - Valuables limit - Tobacco, alcohol, fragrances limit |
£2,000 £500 £500 £50 |
|
Personal money - Cash limit (age 18 or over) - Cash limit (age 17 or under) |
£500 £300 £75 |
|
Personal accident - Death (age 18-65 inclusive) - Death (age 17 or under) - Death (age 66 or over) - Permanent loss - Permanent disablement (age 65 or under) - Permanent disablement (age 66 or over) |
£30,000 £5,000 £2,500 £30,000 £30,000 No cover |
| Missed departure | £800 |
|
Delayed departure - Delay - Abandonment |
£300 (£30/12hrs) £5,000 (after 24hrs) |
| Personal liability | £2 million |
| Legal expenses | £50,000 |
| Pet care | £500 (£50/24hrs) |
|
Hijack and mugging cover - Hijack - Mugging |
£1,500 (£150/24hrs) £1,000 |
| Catastrophe cover | £5,000 |
| Withdrawal of services | £150 (£30/24hrs) |
|
Financial failure cover - Scheduled airline - End supplier |
£3,000 £3,000 |
Winter Sports Cover
| Ski Pack | £20/day, max £400 |
| Delayed ski equipment | £20/day, max £400 |
|
Ski equipment (own) (single item limit) |
£750 (£500) |
| Ski equipment (hired) | £500 |
| Piste closure | £20/day, max £400 |
| Avalanche | £20/day, max £400 |
| Continued physiotherapy | £350 |
| Inability to ski due to an accident | £15/day, max £150 |