Buildings and contents insurance

There’s nothing standard about our standard policy. Some home insurance policies charge separately for things like home emergency cover, but we include these as standard.

Buildings coverUp to £750,000 building cover
Contents cover

£75,000 home contents cover with optional accidental damage. You can use our household contents checklist guide to identify the costs of items in your home. 

Please note - if you have specific high-value items or require a greater level of cover for your buildings and contents, please call our team to discuss your specific requirements.

Home emergency icon24 hour Home emergency cover as standard
Legal expensesUp to £50,000 legal expenses cover as standard
ValuablesUp to £3,500 for accidental loss or damage to personal belongings that you take away from your home
MoneyUp to £1,000 personal and charity money cover  
MoneyLoss or theft of house keys

We do not cover

ChairsWear and tear (this naturally happens to all properties and possessions over time, and as such is not covered by most insurance policies)
accidental damageDamage due to lack of maintenance (the cost of maintaining your property or contents due to wear and tear is not covered by this policy)


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Members of the clergy and church workers

If you are a member of the clergy or a church worker we offer a discount and an enhanced policy that covers some of the work you do for the church.

Visit the clergy home insurance page

accidental damage

Charity workers

There are also discounts available to charity workers - simply quote 'charityworker' on the phone or in your online quote to claim.

Please be aware that minimum premiums will still apply.

Already a customer?

Find information on renewals, policy documents, claims and emergency contact numbers.

I am a customer

Renewals and auto-renewal

We will send you a renewal pack within 21 days of your renewal date. It will have details of your renewal premium, any changes to the policy wording and cover, and a reminder of what you have told us, so you can update us if anything has changed.

  • If you pay by Direct Debit, your policy will automatically renew at the end of the policy term, giving you the peace of mind of continued cover. When this happens your monthly payments will continue according to a revised payment schedule reflecting your renewal premium. You can opt out of auto-renewal at any time by contacting us on 0345 777 3322, emailing or by completing the website form. If you opt out, you will need to contact us prior to your renewal date if you wish to renew your policy, otherwise your cover will cease when your existing policy expires leaving you with no insurance.
  • If you pay by any other means, please note, the policy will not automatically renew. You will need to contact us if you wish to renew your cover.

Please note that in rare instances due to a change in risk or circumstances, we may be unable to offer renewal, in which case we will notify you.

Please note - calls to 03 numbers are typically charged at no more than local rate.

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