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Save £££'s on your Home insurance

Low prices YOU CAN live with... Protection YOU CAN'T live without

We offer home insurance cover tailored to your lifestyle. Our very flexible policies mean that you choose the cover you want so you only pay for what you really need. Special discounts are also available if your home is in a Neighbourhood Watch area, if you have secure locks on all doors and windows or if you have a NACOSS approved system. We also offer generous discounts if you haven't made any claims.

Benefits include;

  • Customised policies just for you
  • Immediate cover
  • 'New for old' cover on home contents
  • Accidental damage including your TV, Video and Hi-Fi
  • Low cost buildings cover
  • Up to £2000 bicycle cover
  • Frozen food cover for freezer breakdown

Before you obtain your online home contents insurance quote, it may be worth you going through each room of the house and calculating the value of the items. This will ensure you have the right level of cover for the items and you will have a better idea of any specified items over the value of £1500.

Any Replacement Value for contents should include the cost of replacing as new all of the furniture, furnishings and other household items designed to be used within the home only, e.g. carpets, curtains, television, etc.

High Risk Items includes all of the following belonging to your household or for which they are legally responsible:

  • Television sets, video and audio equipment
  • computers including components and accessories, television games
  • photographic equipment
  • jewellery, items containing gold, silver or other precious metals or precious stones
  • works of art, furs, sets of stamps, coins or medals

The amount of cover that you select for All of your High Risk Items should represent the cost of replacing these items as new. The amount of cover that you select will form part of the total value you have placed on All of your Contents in the previous field and is not in addition to it.

All items worth more than £1500 each, and any Mobiles or Laptops, which need to be covered for loss or damage in or away from the home, must be specified individually.

In the event of a claim, a valuation certificate would be required for items worth £2,000 or more.

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