| What am I covered for? | Policy limit |
| Contents cover You and your family’s contents are covered when they are:
- In the home
- Outside but within the boundary of the home
- In a building within the boundary of the home with an open front or side, such as a carport
| £50,000 |
| Contents when temporarily away from home This covers contents anywhere else in the European area when temporarily away from home. Contents are covered when they have been temporarily removed from your home into temporary accommodation where you, or a member of your family, is living. | £50,000 |
| Contents at University You and your families contents are covered for loss or damage whilst you are away at university within the UK and the Isle of Man for damage as a result of water, theft or attempted theft and damage caused by oil leaking. | Up to £3,000 for any one incident |
| Loss or damage Your contents are covered for loss or damage caused by:
- Fire or smoke, explosion, lightning or earthquake
- Malicious damage
- Your home being hit
- Storm or flood
- Subsidence, ground heave or landslip
- Water leakage
- Theft or attempted theft
| £50,000 |
| Damage caused by oil leaking You will be covered for damage caused by oil leaking from a fixed, domestic, oil-fired heating system, including smoke or smudge damage caused by evaporation from a faulty oil-fired heating system | £50,000 |
| Accidental damage to electrical equipment You will be covered for accidental damage to television sets (and their aerials), radios, video recording equipment, satellite receivers or decorders, dvd players/recorders, audio visual equipment and personal computers and laptops. | £50,000 |
| Accidental breakage in your home You will be covered for accidental breakage, in your home, of:
- Fixed glass in furniture (but not glass in pictures or clocks)
- Glass shelves
- Glass tops to furniture
- Fixed glass in mirrors
- Ceramic hobs and ceramic tops to cookers.
| £50,000 |
| Loss of metered water or oil You will be covered for accidental loss of metered water or oil in domestic heating systems. | £1,000 for water, £2,000 for oil |
| Refrigerated and frozen food You will be covered for damage to food in any refrigerator or deep freezer caused by:
- A rise or fall in temperature or
- Contamination by refrigerant or refrigerant fumes
| £1,000 |
| High-risk items The most your insurer will pay varies depending on the number of bedrooms in your home, unless a different amount is shown on your policy schedule. | Depends upon number of bedrooms |
| Money and credit cards You will be covered for loss or damage | £500 |
| Deeds and documents You will be covered for loss of or damage to deeds and documents. | £2,500 |
| Property in the open air You will be covered for property in the open air or in a building that is open at the side or front (such as a carport), but is within the boundaries of your home. | £2,000 |
| Contents of outbuildings As standard, you will be covered for up to £5,000 of contents cover for outbuildings. | £5,000 |
| Jury service We will pay up to £25 per day for loss of earnings and other expenses if you have to attend jury service. | £25 per day (up to £1000 per claim) |
| Replacement locks and keys We will pay the cost of replacing and installing locks on outside doors if:
- Your keys are lost outside the home or are stolen; or
- They are damaged inside the home by an event insured under this section
| £1,000 |
| Shopping in transit Loss of or damage to food and other items while you are bringing them to your home from the shop where you bought them. | £500 |
| Carers contents We will cover contents belonging to your carer while in your home as a result of causes insured under this section if they are not insured under any other policy. | £350 |
| Guests contents We will cover contents belonging to your guests or visitors while in your home as a result of damage insured under this section if they are not insured under any other policy. | £350 |
| Contents professionally packed If your contents are professionally packed and carried, you will be insured against loss or damage to the contents while they are:
- Being transported anywhere in the UK between your old address and your new address
- On their way to or from a furniture depository and being loaded or unloaded.
| £50,000 |
| Religious festival increase The maximum claim limit under this section is increased by 10% during the month of your religious festival to cover gifts and extra food and drink bought for the religious festival. | Please refer to policy wording |
| Birthday increase The maximum claim limit under this section is increased by 10% for one month before any member of your families birthday, to cover birthday gifts purchased for members of your family | Please refer to policy wording |
| Counselling fees If you or members of your family residing at the property suffer emotional stress as a result of a cause under this section, we will pay you the cost of any professional counselling. | Up to £1,000 per claim |
| Items covered whilst living in a nursing home, residential care home or staying with family and friends Your contents are covered for loss or damage as a result of causes insured under this section when they are kept in a nursing home and when staying with family or friends within the UK and Isle of Man. | Up to 20% of the maximum claims limit shown on your schedule |
| Medical equipment on loan We will cover specialist medical equipment that you are responsible for if you have been loaned these from a hospital, local authority, the Red Cross or other mobility shops. | £5,000 |
| Loss or damage to downloaded data We will pay for loss or damage covered under this section to non-recoverable electronic data that you or a member of your family residing at your property have legally downloaded. If you make a claim for downloaded data we will ask you for proof that you downloaded this data | £2,500 |
| Theft by bogus officials We will pay for the theft of money up to £500 following unforced entry into your home by a person/persons falsely claiming to be an official. | £500 |
| Accidental damage to wheelchairs and stairlifts in the home We will pay for accidental damage to wheelchairs, pavement vehicles and their accessories and stairlifts which are owned by or the responsibility of members of your family, but only while in the home | £50,000 |