Optional Extras

Expand your protection to legal matters for all the family and 24 hour home emergency cover with our two optional extras. You can buy these products alongside your home insurance policy.

Extending your cover

Policy Expert: Optional Extras

Legal Expenses Insurance

£25 per year (Monthly payment option available)

The cost of legal proceedings can be prohibitively expensive, particularly since the introduction of much stricter eligibility rules for Legal Aid. For just £25 per year, give yourself peace of mind knowing our trained advisers and partner solicitors are never more than a phone call away.

  • Up to £50,000 towards legal expenses to defend your rights, using one of the largest UK solicitor firms, Irwin Mitchell.
  • Identity Theft Cover provided as standard.
  • 24/7/365 no obligations helpline staffed by trained legal professionals.
  • Comprehensive cover including Employment Disputes, Personal Injury, Home Rights (e.g. boundary disputes), Probate and Local Education Authority disputes, Tax investigations and even Criminal Prosecution Defence.
  • Specialist tax and ID Theft helplines.
  • No excess to pay.

Add it online, or ask one of our Policy Experts to add it to your policy.

Policy Expert: Optional Extras

Home Emergency Cover

£60 (Monthly payment option available)

Suddenly need a tradesperson and worried about extortionate invoices? Our 24/7/365 Home Emergency Cover aims to get a qualified, vetted tradesperson out to you within 2 hours.

With unlimited call-outs and up to £500 per claim for labour and parts, this policy covers emergencies such as:

  • Boiler Breakdown including Heating & Hot Water failures
  • Plumbing & Drain problems
  • Compromised Security, such as smashed windows
  • Home Electricity failure
  • Uninvited guest removal for vermin and pests (children’s friends not included!)
  • Cooker & Oven failure and you’ve no other way of cooking food
  • We’ll even provide Alternative Accommodation if the home is uninhabitable

Home Emergency Cover is currently only available over the phone, so please call one of our Policy Experts on 0845 4 100 801 to add it to your policy.

See the Policy Documents for full details.

More ways to tailor your cover

You can add these options as you go through your quote.

Contents Insurance

Policy Expert: Optional Extras

Accidental Damage Cover

Extend your Contents Accidental Damage Cover to provide financial protection for accidental mishaps in the home, such as spillages staining carpets and accidentally dropping an ornament whilst dusting.

Policy Expert: Optional Extras

Bicycle Cover

Most home insurance policies won’t cover bikes when you’re out and about on them. Add Bicycle Cover which compensates you if your bike is damaged or stolen. Limits may apply to the value and number of bikes you can add – check the Policy Documents or ask one of our Policy Experts.

Policy Expert: Optional Extras

Unspecified Items

Find yourself with everything but the kitchen sink in your bag? Protect the items you carry out and about with you with Away from Home Cover. If individual items are worth less than £2,000 then select a total amount to cover all these "Unspecified items".

Policy Expert: Optional Extras

Specified Items

Specify your most precious items, worth more than £2,000 and tailor where you want them covered – either just in the home, or away from home as well.

Buildings Insurance

Policy Expert: Optional Extras

Accidental Damage

Consider Extended Buildings Accidental Damage Cover to insure against mishaps such as putting a foot through the bedroom ceiling or drilling into a water pipe when putting up a picture.