Understanding Your Policy

Accidental Damage

Accidental damage insurance, as part of your home insurance, is there to ensure you can afford to replace or repair the damaged items.

No Claims Discount

Building up what’s known as a ‘no claims discount’ means you pay less for your Home Insurance than you would if you didn’t have one.

New for Old Cover

Most home insurance policies offer ‘new for old’ cover as standard for the building you own and its fixtures, fittings and contents.

Legal Expenses Cover

Legal expenses insurance ensures that if you do get involved in legal proceedings, you’re financially covered for the costs involved.

How to Invalidate your Home Insurance

Understanding some of the more common reasons Home Insurance is invalidated, can help you avoid making the same mistake.

House Insurance Optional Extras

When you’re buying insurance for a building and its contents, there are also usually optional ‘extras’ on offer which you can add on.

Home Emergency Cover

The costs involved with repairing the damage home emergencies can cause, and paying for replacements can be considerable.

Guide to House Insurance small print

It’s vital to take a really close look at the small print when you take out Home Insurance cover to ensure you don't get caught out.

Garden Insurance

When making a claim for garden contents, Home Insurance policies often have a greater number of exclusions and limitations.

Bicycle Insurance

Many people assume their bicycle is covered by their Home Contents Insurance, but it’s important to check your policy wording carefully.

Away from Home Cover

If you carry around gadgets and valuables on a regular basis you will need include Away from Home Cover in your Home Insurance.

Valuables Insurance

Many people own ‘valuables’ of some sort, and these items need to be treated a little differently when it comes to your Home Insurance.
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