We have two levels of cover available, Protect and Protect Plus and here’s how they compare:
Buildings cover
|
Protect |
Protect Plus |
| Cover amount |
Up to £800,000 |
Up to £800,000 |
| Minimum excess |
£150 |
£100 |
|
Home emergency cover
Covers call out fees, labour and parts for incidents like burst pipes, storm damage or blocked drains. |
No |
Yes Up to £500 |
|
Trace and access the source of water or oil leaks in the home
Covers the costs involved in tracing the source of an escape of water or leakage of oil.
|
No |
Yes Up to £5,000 |
| Alternative accommodation
If 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 keys Cover 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 |
Additional cover option |
Contents cover
|
Protect |
Protect Plus |
| Cover amount |
Up to £100,000 |
Up to £100,000 |
| Minimum excess |
£150 |
£100 |
| Personal money in the home Covers your personal money at home. |
Up to £100 |
Up to £500 |
| Freezer contents Covers loss of freezer items if there's a power cut or equipment failure. |
No |
Yes Up to £1,000 |
| Contents in the garden Covers loss or damage to items in your garden within the boundaries of your home. |
No |
Yes Up to £1,000 |
| Theft from outbuildings Covers 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 keys Cover for loss or theft of keys to external doors to your home. |
Up to £500 |
Up to £750 |
| Alternative accommodation If 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 damage Covers you for accidents in your home like spilling red wine on your carpet. |
Additional cover option |
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.