Contents Insurance

You can only add Full accidental damage to a new policy at the time of purchasing. If you have an existing policy, you can only add Full Accidental Damage if you are either moving address or renewing your policy.

To add Full Accidental Damage to your policy, simply call us on 0333 043 2001.

Bikes valued up to £350 are automatically covered within your contents insurance. To extend this cover outside the home, your policy must include Personal Possessions Cover.

Any bikes valued at more than £350 need to be added to your policy as a specified item. The maximum coverage for each bike over £350 is £2,500.

To add cover outside the home for bikes valued at less than £350 or for high-value bikes, simply give us a call on 0333 043 2001.

We want to take the stress out of making a claim on your home insurance. That's why we've made it possible for you to register your claim online via Your Account. 

If you'd rather speak to us about a new claim, just give our team a call 24/7 on 0333 043 2034. Call us as soon as possible after the incident to tell us what's happened, even if you're not sure you want to make a claim.

Your documents are kept safe and sound in Your Account so you can access them whenever you like. Log in using your email address – your password will be your policy number – and you can change this once you’ve logged in.  

If you have forgotten your password or don’t remember setting up an account when you bought your policy, please click on the ‘I’ve forgotten my details’ link.

Your excess amounts are outlined in your policy documents.  The excess is the payment you make towards the cost of your claim. Further details on this can be found in your policy documents in Your Account.

Voluntary excess
A voluntary excess is chosen by you and is the amount you are willing to pay towards a claim. You should consider the most you would want to pay in the event of a claim before proceeding.

In the event of a claim, this is payable in addition to the compulsory excess and will be deducted from the overall claim settlement.

Please note, sometimes you may need to pay your excesses up front for repairs to your home.

Compulsory excess
All policies include a compulsory excess. The excesses below apply to buildings, contents, personal possessions and bicycles.

Where a claim is made for more than one section of cover, we will only apply one excess, but the higher excess will always apply.

In the event of an escape of water claim or subsidence claim, you will be charged the relevant excess in replacement of the compulsory excess. More information can be found in the policy wording or refer to your Schedule.

Example of all excess for building and contents