Cheap Buildings & Contents Insurance

This page provides an example of the Cheap Buildings & Contents Insurance cover available under many of the home insurance policies available through our quotation system. It does not detail all the policy cover, limits, terms conditions or exclusions, but is used simply as an example of the cover available. Details of the individual home insurance policies are available with the list of quotations.

Cheap Buildings Insurance

This covers the structure of your home and any permanent fixtures and fittings such as kitchen units and bathroom suites. It also includes cover for garages and other domestic outbuildings, walls, gates and fences as well as drives, paths, patios and terraces at the home.

The following major events are covered: fire, explosion, lightning, earthquake, riot, malicious damage, collision  by vehicles, aircraft or animals, storm or flood, theft or attempted theft, subsidence, landslip or heave, water or oil leaking from any fixed appliance, pipe or tank, falling trees, breakage of glass and sanitary ware, breakage of radio and television aerials and dishes.

Cheap Contents Insurance

This covers household goods, personal property, valuables, pedal cycles and office equipment in your home and while temporarily removed. Valuables are articles of gold, silver or other precious metals, jewellery, watches, furs, pictures or other works of art, collections of stamps or coins.

Contents do not include vehicles and craft, deeds and documents including those showing ownership of financial investments, animals, specifically insured items or any part of the buildings.

Vehicles and craft are road and other motorised vehicles (except garden machinery and children’s battery operated toys), caravans, trailers, aircraft and watercraft (except models and toys).

The following major events are covered: fire, explosion, lightning, earthquake, riot, malicious damage, collision  by vehicles, aircraft or animals, storm or flood, theft or attempted theft, subsidence, landslip or heave, water or oil leaking from any fixed appliance, pipe or tank, falling trees, breakage of glass and sanitary ware, breakage of radio and television aerials and dishes.

Typical Buildings & Contents Cover

Buildings
Cover Limit	£400,000 notional (more is available as a specific sum insured)
Accidental damage (optional)	If selected by you
Alternative accomodation and loss of rent	20% of Buildings sum insured
Lock replacement	No inner limit
Legal liability as owner	£2,000,000
Professional, demolition or local authority fees and expenses	Included in the Buildings sum insured

 

Contents
Sum insured	£40,000 or any higher amount selected by you
Accidental damage (optional)	If selected by you
Valuables limit	40% of Contents sum insured
Valuables single article limit	£2,500
Money and credit and debit cards in the home	£500
Theft of contents from garages and outbuildings	£5,000
Food in freezer or refrigerator	No limit
Pedal cycle including accessories in the home	£500 any one cycle
Lock replacement	No limit
Contents in the open	£1,000
Title deeds	£1,000
Temporary removal	£5,000
Alternative accommodation	£10,000
Christmas and wedding gifts	Sum insured increased by £5,000
Loss of oil or metered water	£1,000
Legal liability to domestic employees	£10,000,000
Occupier's and personal legal liabilities	£2,000,000
Jury service	£50 a day - maximum £1,000
Tenant's cover	£10,000
Prams and wheelchairs including accessories	£500 any one pram/wheelchair
Fatal accident	£10,000
Accidental damage to TVs, computers and audio equipment	No limit
Removal to your new home	No limit
Office equipment	£10,000

Typical optional cover that can be selected.

Personal possessions
Covers accidental loss or damage anywhere in the world
Unspecified personal possessions	The sum insured selected by you
Single article limit	£1,500
Money and credit and debit cards	£500
Unspecified pedal cycles including accessories	£500 any one cycle
Specified items	The sum insured selected by you

 

Garden cover (only available under buildings cover)
Covers flowers beds, trees and other plants, lawns and garden statues against specified events such as storm, theft or malicious damage	£1,500

 

What is not insured

This is a summary of the typical major exclusions or restrictions for home insurance.

Excess

A £50 excess applies to most claims.

Subsidence, heave or landslip

A £1,000 excess applies to claims under Buildings.

There are a number of typical policy exclusions and the main ones are:

• if caused by the coast or a river bank being worn away;
• unless the main structure, garages or outbuildings are also damaged;
• to floor slabs unless load-bearing walls are also damaged.

Accidental damage

There are a number of typical exclusions and the main ones are:

• damage by wear and tear or other gradually operating causes including mildew and rot;
• damage by vermin, insects or fouling or scratching by pets.

Vehicles and craft

Contents cover does not include:

• road and other motorised vehicles (except garden equipment and children's toys);
• aircraft and watercraft (except models and toys);
• liability arising from these.

Unoccupied

If the home is unoccupied for more than 30 days, cover could exclude malicious damage, theft, leaking oil or water, breakage of glass and accidental damage (if insured).

Pedal cycles

Cover is unlikley to apply when pedal cycles are left unattended unless securely locked to a structure or in a locked building.

Theft from unattended road vehicles

Theft cover does not usually apply unless the property is hidden in a glove or luggage compartment and the vehicle is securely locked.

Legal Expenses

Typical exclusions could be:

• Contract disputes relating to business activities, building work, and tenancy or lease agreements.
• Contract disputes arising during the first 90 days of cover.
• Claims where you do not have a reasonable chance of winning.
• Legal costs we have not agreed to.
• Claims you report more than 180 days after the event happened.