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

£50,000 legal fees (Up to £10,000 for employment disputes)


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

- Transport and accommodation

- Dental

- Funeral Expenses

- Ashes/remains

- Excursions

- Expenses within Home country 

£15 million

£25/day, max £1,500

Reasonable costs






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





Personal money

- Cash limit (age 18 or over)

- Cash limit (age 17 or under) 




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)







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)


Catastrophe cover £5,000
Withdrawal of services £150 (£30/24hrs)

Financial failure cover

- Scheduled airline

- End supplier




Winter Sports Cover

Ski Pack  £20/day, max £400
Delayed ski equipment £20/day, max £400

Ski equipment (own)

(single item limit)



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