High Value Home Insurance

Full summary · 29 items

• Your home's buildings

  We cover the physical structure of your home, any outbuildings, decorative finishes or permanent fittings in your home.

• Your home's contents

  All your home's contents. It is a long list but most things are covered as standard.

• Worldwide cover

  All your personal possessions and valuables are protected worldwide if they're lost, stolen or damaged.

• Valuables

  Jewellery, watches, fine art and antiques covered worldwide for theft, loss or damage. Only individually specify items over £25,000.

• Home improvements

  Any additions, alterations or improvements are covered up to 25% of your buildings cover.

• Accidental damage

  The insurer will pay for any damage caused accidentally.

• Building works

  If you are carrying out building works on your home, we will cover you up to £75,000, but let us know if it's going to cost more than this.

• New purchases

  Automatic cover extends for 60 days for any new purchases up to 25% of your contents sum insured as longh us you let us know in that time period.

• Emergency access

  The insurer will pay for damage due to forced entry during a medical emergency or to prevent damage to your home.

• Bike and sports equipment

  Your bicycles and sports equipment are covered anywhere in the world as part of your contents cover, protecting against theft, accidental loss and damage at home or while travelling.

• Lock replacement

  The insurer will pay for costs to replace locks on external doors, alarms, and safes after the loss or theft of your keys with no excess applied.

• Preventative measures

  The insurer will pay up to £2,500 for costs you incur in taking reasonable temporary preventative measures to protect your home from damage caused by a storm or flooding.

• Fine art and antiques market appreciation

  If the market value of a fine art or antique piece has appreciated within the last 3 years, the insurer will pay up to 150% of its insured value if you have a valuation in place.

• Death of an artist

  If your art appreciates in value due to the death of an artist you will still be covered as long as you have a professional valuation in place.

• Locating the source of a leak

  The insurer will cover the cost of locating a leak from fixed water tanks, apparatus and pipes.

• Alternative accommodation

  If you can't live in your home for up to 3 years due to some insured damage, the insurer will pay for somewhere else for you to live.

• Garden cover

  The insurer will pay up to £10,000 to restore your garden if it is damaged from certain events.

• Office equipment

  The insurer will pay up to £20,000 per claim for office equipment, and £10,000 for business stock.

• Precautionary repairs

  The insurer will pay up to £1,000 for repairs that prevent further loss or damage after a flood or a leak.

• Cover during the sale of your home

  We will cover damage to your home between the exchange of contracts and completion.

• Outdoor items

  The insurer will pay up to £2,500 per item for garden furniture, statues, barbecues and items that live outside.

• Small vehicles

  The insurer will pay up to £10,000 per claim for land vehicles like lawnmowers, quad bikes, and Segways.

• Tree removal

  The insurer will pay up to £2,500 to remove fallen trees blocking your main car access to your home.

• Fees, expenses & debris removal

  The insurer will pay for architect, surveyor, and engineer fees and site clearing and costs.

• Boats and watercraft

  The insurer will pay up to £5,000 for watercraft like dinghies, surfboards and small boats.

• Storage

  The insurer will pay up to 25% of your contents sum insured for loss or damage to your belongings that are kept in storage. Limited to certain events.

• Fatal injury & disability

  The insurer will pay up to £50,000 for fatal injuries as a result of a fire or burglary at your home and up to £50,000 for any necessary building alterations as a result of your injuries.

• Forced eviction

  If public authorities deny you access due to nearby damage, the insurer will cover the costs of alternative accommodation for up to 30 days.

• Reward

  We offer up to £5,000 as a reward to anyone who helps catch and convict anyone who caused a claim under this insurance through illegal actions.

Full summary · 20 items

• Your excess

  Your excess as detailed in your policy schedule.

• Wear and tear

  There is no cover for wear and tear, or anything that happens gradually.

• Building works over £100,000

  There is no cover for loss or damage resulting from building works that cost more than £100,000.

• General maintenance and decoration

  There is no cover for general maintenance and decoration costs.

• Existing and deliberate damage

  There is no cover for loss or damage occurring outside your period of insurance, or caused intentionally or through criminal acts by you.

• Loss of value and indirect losses

  There is no cover for any decrease in value as a result of a repair or replacement, or any loss not directly related to a valid claim.

• Defective design, breakdowns and faults

  There is no cover for any loss, damage or liability as a result of design flaws, workmanship, or mechanical and electrical faults or breakdowns.

• Let properties and business use

  There is no cover for any loss, damage or liability from any part of your home that is let or is used for business purposes.

• Confiscation

  There is no cover for loss, damage or liability from confiscation or holding your property from officials or authorities.

• Unoccupied homes

  There is no cover for losses when your home is unoccupied for over 45 days, and certain precautions listed in the policy wording have not been taken to safeguard your home and heating system during certain periods.

• Warping or shrinkage

  There is no cover for loss or damage due to warping or shrinkage.

• Theft from unlocked and unattended vehicles

  There is no cover for items stolen from an unattended vehicle are only covered if force and violence were used to gain entry. Additionally, the items must have been hidden from view or locked in the boot or glove box.

• Lost deliveries

  There is no cover for undelivered goods or services purchased online.

• Loss of value from repairs

  There is no cover for loss of value to contents following repair, replacement, or reinstatement.

• Blocked drains and pipes

  There is no cover for costs to clear blocked sewer pipes, drains, pipes or underground tanks unless damaged from an insured event.

• Damage to items during transportation

  There is no cover for items improperly packed or secured during transport.

• Pollution and contamination

  There is no cover for loss, damage or liability from pollution or contamination except in specific circumstances listed in the policy wording.

• Nuclear and radioactive hazards

  There is no cover for loss or damage or any legal liability from radioactive materials or nuclear components, or from potentially catastrophic events like radiation leaks.

• Damage or liability from malicious gun use

  There is no cover for damage or liability from intentional or malicious use of guns is not covered.

• War and terrorism

  There is no cover for direct or indirect damages resulting from war, civil disturbances, or terrorist acts.