Home and contents insurance

Benefits at a glance:
  • Complimentary home assessment service
  • Unlimited repair coverage
  • Additional living expenses covered
  • Cash-instead option
  • Replacement value for contents
  • Water or oil leak coverage, including cost of loss and damage
  • Comprehensive family protection
  • Worldwide travel insurance
  • Public liability and legal expense coverage
  • Comprehensive worldwide coverage of valuables to their Agreed Value
  • Recovered items offered back at no higher an amount than what was paid out
  • Dedicated in-house team of Fine Art, Jewellery & Collection Specialists, with referrals to a global network of vetted collection experts
  • Collection Risk Assessment and Valuation Review
  • Liberal valuation requirement with immediate coverage for newly acquired items

Key Benefits

Protecting all that makes your house, your home

Whether you’ve recently bought your house, or it’s been in your family for generations, we understand the care and attention that goes into making it your home.

What is Flood Re?

Flood Re is a joint initiative between the UK Government and insurers to help people who live in flood risk areas get affordable home insurance. It launched on 4 April 2016 and will run for 25 years.

Flood Re is not a home insurer itself – instead it works behind the scenes with existing insurance companies. As a re-insurance scheme it helps insurers offer more affordable flood insurance to those in areas at risk of flooding. This means people can shop around more easily to find policies with more affordable premiums and excesses.

The scheme helps households at the highest risk of flooding and provides information about taking action to reduce flood risk.

Customers will not deal directly with Flood Re. In the case of a customer making a claim because of a flood they will have their claim managed and repair works completed by their insurer in the usual way, but the insurer will then be able to recover those costs from Flood Re.

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