Your home insurance policy

We understand that the needs and preferences of our customers change over time. We're reviewing our policies, starting with home insurance, to make sure we continue to provide high-quality cover with a great choice of optional extras.

The changes will take effect when you renew your policy. Check your home insurance renewal schedule for all the details.

To start with, we're updating our home insurance policies. If you have other types of policies, for example motor or equine insurance policies, we'll let you know in good time if anything changes.

Changes take effect when your policies come up for renewal. If you have other home insurance policies with us, if we're making changes, we’ll let you know and provide all the information when your policy is due to renew.

We based your cover on the information you gave us when you bought or renewed your policy. It's important to tell us if anything changes in case it affects your insurance.

Please check your documents carefully and let us know if you need to make any changes.

You’ll never pay an admin fee for making a change to your policy.

This is the most that we will pay in the event of loss or damage to contents or buildings. We previously referred to this as 'sum insured'.

The contents replacement and rebuilding figures you tell us at the start of cover still need to be adequate to replace all your contents as new or rebuild your home. We've increased the maximum limit to give you more peace of mind. 

We've made Personal Legal Expenses optional which gives you even more flexibility to customise your home insurance to your exact needs, without paying for cover you may not need.

We've increased the maximum cover limit to £100,000 and you can upgrade to Personal Legal Expenses Extra for even greater protection. Get in touch if you'd like to find out more.

(!) If your maximum contents limit is £150,000 or more, Personal Legal Expenses is included as standard. You can find this information in your insurance renewal schedule.

Personal Legal Expenses Extra extends to other legal disputes such as health, inheritance, education and consumer rights, for example contracts relating to motor vehicles. 

If you're the victim of an aggravated burglary, 'prevent and protect' cover for burglary will help cover the costs of upgrading your home alarm system, or personal protection, up to £1,000 per claim.

As a Responsible Business, we’re working hard to reduce the amount of paper we use. We know this is important to many of our customers too.

When you register for an online account, you’ll automatically go paperless for the policies that you can see within your account. We’ll email you to let you know when there’s a new document ready to view.

Find out more about an online account

You might notice we’ve changed some of the terms we use. Insurance can be complicated so we want to make sure the language we use is easy to understand, clear, and jargon-free.

Here’s a quick summary of the terms we’ve changed: