Home insurance

Buying your policy online

Help for you to complete the details for home insurance

If you're not sure about any question on the online form, please call us on 0800 197 6172.

Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm.


Your home

Assumptions about your home

Your quote will be based on some facts that we've assumed about you and your home.

Check that these statements are true for you, your home, and anyone else who lives with you.

Your home
  • is in good condition
  • is built of bricks, stone and/or concrete
  • has roof tiles, slate, asphalt, metal, concrete or asbestos
  • the 150m surrounds have never been flooded or subject to coastal/river erosion, subsidence, heave or landslide
  • is self-contained and has its own lockable entrance door
  • is not registered as a business address or used in any part for business, trade or a profession, unless it's just for clerical work and no clients or customers visit
  • is normally occupied at night or during the day (eg if you work on a night shift) and is not left unoccupied for more than 30 consecutive days
  • is not let to tenants and is occupied by yourself and your immediate family only. It's your main residence and not a weekend or holiday home
You and your household
  • have never been refused or had special terms applied to your home insurance
  • have never had your home insurance cancelled
  • are currently not declared bankrupt or are not in the process of being declared bankrupt
  • have never been convicted or are not about to be criminally prosecuted (excluding motor offences)

Can't confirm all of the assumptions?
 Call 0800 316 1567 – we should be able to find the right policy for you. We just need to ask a few more questions.

Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm.

Or we can call you


Home security

Intruder alarm contract

The intruder alarm in your home has an annual inspection contract with an installer accredited by either the National Approval Council of Security Systems (NACOSS), National Security Inspectorate (NSI), or the Security Systems & Alarms Board (SSAIB).

If the alarm breaks down, you must:

  • tell the alarm company immediately
  • arrange for repair work to begin as soon as possible
  • tell us, and take any action we suggest to protect your property
Minimum security locks for doors and windows

These are the door and window locks that you must have, so that we can insure the contents of your home against theft, attempted theft or malicious damage.

External doors (main exit doors)

The main doors that you leave your home by should be fitted with:

  • a mortice deadlock, with at least five levers, conforming to BS 3621
  • or a rim deadlock conforming to BS 3621
  • UPVC or aluminium doors should be fitted with a multi-point locking system, which incorporates a lever or cylinder deadlock that can be locked with a key from both sides.
Other single external doors (including access door)

They should be fitted with:

  • a mortice deadlock, with at least five levers, conforming to BS 3621
  • or a rim deadlock conforming to BS 3621
  • or a key-operated lock with bolts top and bottom (for solid doors, bolts should be at least 255mm (10 inches) in length) 
  • for glass-panelled doors, key-operated mortice rack bolts should be fitted
  • UPVC or aluminium doors should be fitted with a multi-point locking system, which incorporates a lever or cylinder deadlock that can be locked with a key from both sides
Mortice deadlock

Mortice deadlock

Five-lever mortice key

Five-lever mortice key

Rim Deadlock

Rim Deadlock

255mm bolt

255mm bolt

Mortice rack bolt

Mortice rack bolt

Windows, rooflights and fanlights

All windows, rooflights and fanlights which can be reached without the use of a ladder, and that can be opened, should be fitted with key-operated window locks.

Key-operated window lock

Key-operated window lock

Patio doors

They should be fitted with either:

  • the manufacturer's integral lock, plus key-operated patio door locks at the top and bottom of each sliding door
  • a multi-point locking system, which incorporates a lever or cylinder deadlock that can be locked with a key from both sides
French windows (French doors or double doors)

These windows should be fitted with key-operated locks, and key-operated mortice rack bolts at the top and bottom of both leaves.


Your cover

Buildings insurance – accidental damage cover
Permanent fixtures and fittings

Accidental damage cover extends your buildings cover beyond events such as fire or storm damage. For example, it covers accidents like putting your foot through a ceiling while you're in the loft, or hammering a nail into a pipe.

Accidental damage cover for your permanent fixtures and fittings includes items such as:

  • built-in furniture
  • built-in domestic appliances
  • fixed glass and sanitary ware
  • fixed pipes, ducts, tanks, wires, cables, switches, fires, central heating equipment, boilers and storage heaters
  • fixed wall, floor and ceiling coverings (other than carpets)
Valuables and personal belongings

Optional cover is available to protect valuables, personal belongings and money against accidental loss or damage anywhere in the world. Valuables are covered anywhere in the world while they're in your custody or control.

For items worth up to £1,500 each, select the total amount of cover you need for these items. Items worth over £1,500 can be listed separately on your policy.

Items we treat as valuables
  • jewellery, watches, furs (other than sheepskin)
  • items made of gold, silver and other precious metals
  • photographic equipment (including video cameras and camcorders)
  • portable audio visual and gaming equipment; laptops, mobile phones, tablets; e-readers or other portable computer equipment (excludes items which need a mains plug)
  • microscopes, telescopes, binoculars
  • portable musical instruments
  • paintings and other works of art
  • collections or sets of stamps or coins or medals
Items we treat as personal belongings
  • clothing (including leather and sheepskin items) and personal items designed to be worn, used or carried
  • pedal cycles
  • sports equipment (except boats, boards and any other watercraft)
  • camping equipment (except caravans and trailer tents)
Cover level for valuables

We offer two home insurance products: Home Insurance and our Home Insurance Plus policy, which provides higher levels of cover. The details below show the key differences in cover.

Cover for money

Home Insurance – up to £750
Home Insurance Plus – up to £1,000

Worldwide accidental loss or damage cover for unspecified valuables

Home Insurance – optional cover available for items worth up to £1,500 each
Home Insurance Plus – available for items worth up to £5,000 each, starting at a total cover limit of £5,000

Cover for high value items

Home Insurance – list items worth over £1,500 on your contents policy (optional worldwide cover available)
Home Insurance Plus – list items worth over £5,000 on your contents policy (optional worldwide cover available)