Cover at a glance
| Contents |
Home Plus |
Your House |
| Up to Sum Insured selected |
£55,000 standard cover |
| Personal money in the home (standard cover) |
£500 |
£500 |
| Single article limit |
5% of Sum Insured or £2,000 |
£2,000 |
| Valuables |
Up to one third of Sum Insured selected |
1 or 2 bedrooms - £8,000
3 bedrooms - £10,000
4 bedrooms - £12,500 |
| Home working equipment - Fax, PCs, printers and office furniture. |
Can be added as an optional extra |
Up to £5,000 (Maximum £1,500 per item) |
| Contents temporarily removed - includes cover for students living away (term time only) |
20% of sum insured |
£5,000 |
| Theft from outbuildings |
£2,500 (£5,000†) |
£2,500 |
| Theft from garage |
Up to Sum Insured |
Up to Sum Insured |
| Contents in the open |
£1000 (£5,000†) |
£1,000 |
| Replacement locks |
Up to Sum Insured |
Up to Sum Insured |
| Food in freezers |
£1,000 |
£1,000 |
| Fatal injury benefit |
£5,000 |
£5,000 |
| Occupiers' personal liability |
£2,000,000 |
£2,000,000 |
| Wedding gifts |
£3,000 |
£3,000 |
| Loss of metered water |
£1,000 |
£1,000 |
| Loss of domestic heating fuel |
Up to Sum Insured |
Up to Sum Insured |
| Buildings |
Standard Cover |
Optional Cover |
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| Buildings |
Up to Sum Insured selected |
Up to Sum Insured selected (available with contents cover) |
| Cost of alternative accommodation |
20% of Sum Insured (selected†) |
20% of Sum Insured |
| Property Owners Liability |
£2,000,000 |
£2,000,000 |
| Tracing and Accessing Leaks |
£5,000 |
£5,000 |
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| Personal Belongings |
Optional Cover
| Optional Cover |
| Clothing and personal belongings |
Up to Sum Insured selected (£2,000 min), single article limit £1,500 (where cover exceeds £5,000, single article limit £2,500) |
Standard £2,000 (£5,000†) Single article limit - £1,500 |
| Personal money |
£750 (£1,000†) |
£750 |
| Credit cards and debits cards |
£1,000 (£3,000†) |
£1,000 |
| Pedal cycles |
Up to Sum Insured selected |
£2,000+ |
| Theft from unattended vehicles |
£1,000 (£5,000†) |
£1,000 (£2,000†) |
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| Other Benefits (part of the standard policy cover) |
Home Plus |
Your House |
| GP Helpline - Access to around the clock medical advice from a general practitioner (GP) through the helpline. |
YES |
NO |
| Home Doctor - A comprehensive guide on how to keep your home safe and secure, including the latest and best advice from DIY and safety experts, the police and the fire brigade. |
YES |
YES |
| Identity Theft Helpline - Detailed guidance and advice should you become a victim of identity theft or require information on protecting your identity. |
YES |
YES |
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| Additional Options |
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| Full Accidental Damage - Extends your home contents cover to include accidental damage to buildings and items such as carpets, furniture and household appliances. |
YES |
YES |
| Family Legal Protection - Cover to pay legal expenses in a wide range of disputes such as faulty goods, neighbour disputes and employment issues can be added to your home insurance for just £1 per month. |
YES |
YES |
| Caravan - Covers your caravan against fire, theft and damage to fixtures and fittings in the UK and most European countries. |
YES |
YES |
| Home & Garden Package - Two excellent additional covers as an extension to your contents cover: 1. Replacement of stolen/damaged plants and re-landscaping your gardens if they are damaged. 2. 'Sets replacement': if a part of a set or pair of items is stolen or damaged and replacements cannot be found, Norwich Union will supply a whole new set or pair of equal value. |
YES |
YES |
| Sports Package - Cover in the event of death due to a sporting injury, increased cover for theft of items from an unattended locked vehicle, accidental damage cover to rackets, sticks, bats and clubs whilst in use, and if you lose the use of sports club membership due to injury Norwich Union will cover the membership fees. |
YES (with personal belongings) |
YES (with personal belongings) |
| Personal Accident - Accidental death cover for the whole family |
YES |
YES |
| Small Craft - You can extend your cover to insure a small boat - up to 16 feet or 5 metres long, with a maximum speed of 49mph. Your cover includes loss, damage or theft of the boat and inboard engine; Norwich Union can also cover outboard engines, trailers and trolleys. |
YES |
NO |
| Working from Home - Home Plus can insure your home office equipment up to £15,000. Samples and stock (up to £1,000) are also covered in your home, and you're covered for office equipment that you use away from the home. |
YES |
NO (but see homeworking equipment) |
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Full details of policy cover, limits, exclusions, definitions of valuables and the standard excesses you will be required to pay in the event of a claim can be found in either the Home Plus or Your House policy booklet. Contact a Skipton adviser for a copy.
†Figure in brackets indicates that an option exists to increase cover to the bracketed amount.
Skipton home insurances are underwritten by Norwich Union Insurance Ltd. A member of the AVIVA Group.