Choose the cover you need

With the Home & Contents Insurance, you can choose from the following options to ensure you get the cover that best suits your needs - this can be arranged quickly and easily.

Home building cover

If your home is damaged or destroyed by any of the insured events* (as listed over), you'll be covered for the costs incurred to repair or rebuild, up to the limit of protection you have selected, less any policy excess.

Home contents cover

This covers your furniture, furnishings, works of art and most household goods and personal valuables against loss or damage by any of the insured events* (as listed over). Replacement at current prices up to the limits of protection, less any policy excess, will apply to most contents. Works of art and other highrisk times are subject to individual item and overall limits.

Personal valuables cover

f you choose home contents cover, you may also choose to include this option to cover your personal valuables, providing you with worldwide insurance cover. This policy can cover valuable personal belongings such as jewellery, watches and some sporting equipment (except during use) - even money and credit cards.

Property, emergency and legal assistance

When you take out any one of the policies in the Home & Contents range, you'll have access to a 24-hour legal and property assistance hotline. One phone call gives you fast access to emergency repairs, tradespeople to do a particular job or just simple advice on maintenance. You can also obtain initial legal advice on any personal legal matters. This service is called "Care Card" and it's available to you as long as your policy is current.

Insured events
With home building cover or home contents cover, your property is insured against damage caused by fire, lightning, earthquake, storm, rain or flood, explosion, theft or attempted theft, malicious acts, collision, a falling tree or branch, riot or civil commotion and the escape of liquids.