Protect Plus – more cover for the things you love
As well as providing cover for loss or damage from events including fire, storm, flood, escape of water and theft, our Protect Plus policy gives you a more comprehensive level of cover than our Protect policy, including additional features such as Home Emergency Cover and some higher cover limits such as alternative accommodation cover. You can also add additional cover like Extended Accidental Damage, Personal Possessions in and away from the home, and Family Legal Protection.
Protect – quality cover for the essentials
Our Protect policy provides a lower level of cover for a smaller premium, but still includes important protection for events like fire, storm, flood, escape of water and theft. You can also add additional cover like Accidental Damage, Personal Possessions in and away from the home, and Family Legal Protection.
What do you need from your policy? Compare our policy features
You can go for buildings cover, contents cover or a combined buildings and contents policy.
- A combined policy helps give you peace of mind that your property and contents are protected together.
- Buildings insurance will cover you for loss or damage to the structure of your home (including its garages and outbuildings) against insured events.
- Our contents insurance will cover the contents of your property and your personal belongings against loss or damage against insured events in the home.
| |
Protect |
Protect Plus |
| Minimum excess |
£150 |
£100 |
| Home emergency coverCovers call out fees, labour and parts for incidents like burst pipes, storm damage or blocked drains. |
No |
Up to £500 |
| Trace & access the source of water or oil leaks at homeCovers the costs involved in tracing the source of an escape of water or leakage of oil. |
No |
Up to £5,000 |
| Alternative accommodationIf you're unable to carry on living at your home due to an insured event, like a fire. |
Up to £25,000 |
Up to £50,000 |
| Loss or theft of keysCover for loss or theft of keys to external doors to your home. |
Up to £500 |
Up to £750 |
| Accidental breakage of fixed glass and sanitaryware |
Additional cover option |
Yes |
| Extended accidental damageCovers you for accidents in your home like banging a nail through a pipe, or putting your foot through the ceiling whilst in the loft. |
Additional cover option |
| Minimum excess |
£150 |
£100 |
| Personal money in the homeCovers your personal money at home. |
Up to £100 |
Up to £500 |
| Freezer contentsCovers loss of freezer items if there's a power cut or equipment failure. |
No |
Up to £1,000 |
| Contents in the gardenCovers loss or damage to items in your garden within the boundaries of your home. |
No |
Up to £1,000 |
| Theft from outbuildingsCovers theft and attempted theft from your garage or domestic outbuildings. |
Up to £1,000 |
10% of the contents sum insured
(minimum of £5,000)
|
| Loss or theft of keysCover for loss or theft of keys to external doors to your home. |
Up to £500 |
Up to £750 |
| Alternative accommodationIf you're unable to carry on living at your home due to an insured event, like a fire. |
15% of contents sum insured
(minimum of £3,000)
|
25% of contents sum insured
(minimum of £10,000)
|
| Accidental damage to computers, TVs and stereos |
Additional cover option |
Yes |
| Extended accidental damageCovers you for accidents in your home like spilling red wine on your carpet. |
Additional cover option |
This table shows some details of the key features and cover limits. It doesn't include all the benefits, exclusions or limitations and other excesses that apply. Please download and read the policy documents in full.