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Product FeaturesDefaqto Benchmark Criteria<P><FONT size=2 face=Arial>The benchmark levels for each feature have been selected by Defaqto, an independent financial research company specialising in rating, comparing and analysing financial products. The levels selected do not represent accepted industry benchmarks or standards.</FONT></P>
Cover is provided for your personal possessions against physical loss or physical damage which happens during the period of insurance whilst at your home and whilst temporarily removed from your home anywhere in the world.Contents Cover BasisAll Risks
Unlike other providers which do not include cover towards your fine art within the definition of your general contents, we include automatically include cover for your art and collections. Cover is provided for unspecified items up to a single article value of £50,000.Contents Fine Art Single Article Limit£50,000 or more
Unlike other providers which do not include cover towards your jewellery within the definition of your general contents, we include automatically include cover for your jewellery. Cover is provided for unspecified items up to a single article value of £25,000. Contents Jewellery Single Article Limit£15,000 or more
Cover is automatically provided for your personal possessions which are kept in outbuildings such as a garden shed or garage.Contents in Outbuildings including GaragesUp to contents sum insured
We will cover up to £10,000 for your money against physical loss or physical damage which happens anywhere in the world during the period of insurance.Personal Possessions - Money£10,000 or more
Cover is provided for your pedal cycles against physical loss or physical damage which happens during the period of insurance whilst at your home and whilst temporarily removed from your home anywhere in the world.Personal Possessions - CyclesIncluded
Unlike other providers which provide a certain percentage of cover for newly acquired items, our policy includes ‘unlimited’ cover for your contents. So any new items that are acquired are automatically covered.New Acquisitions25% of sum insured or more
If your home cannot be lived in due to any insured loss or damage, cover is provided towards the costs that may arise from alternative accommodation. We provide cover for alternative accommodation for up 3 years.Contents - Alternative AccommodationUp to C/SI or 2 years or more
Cover is provided for the costs you legally have to pay for causing bodily injury or physical damage to property anywhere in the world which is caused by an accident happening during the period of insurance.Public Liability£10m or more
Cover is also provided for your legal liability towards bodily injury to any employee of yours.Employers Liability£10m or more
We will pay up to £10,000,000 to indemnify you against all amounts which you become legally liable to pay as tenant of your home.Tenants Liability£10m or more
Legal Expenses cover is included as standard and will provide yourself and your family with cover for the cost of negotiating and pursuing your rights against a wide variety of legal issues such as employment disputes, clinical negligence and property protection.Legal Expenses - CoverStandard
Our legal expenses policy provides a maximum indemnity limit of up to £100,000 for all claims resulting from one or more event arising at the same time or from the same cause.Legal Expenses - Maximum Indemnity Limit£75,000 or more
Unlike other products which restrict the period your property can be unoccupied before imposing terms, we do not apply an unoccupancy period. This however does not apply to properties that which remain unoccupied on a permanent basis.Unoccupancy Period180 days or longer
Unlike some other providers, we will pay for undamaged items that form a matching pair or set.Matching Items CoverFull
Unlike some providers if you wish to pay your premium in monthly instalments we do not apply a direct debit fee.Direct Debit Mandate Free of ChargeIncluded



21 November 2019