Home insurance
Standard excess £250 for each claim.
The excess, in one line
The excess is the part of any claim you pay yourself. On a home policy it is £250, and we take it off the amount we agree before the money reaches you.
What’s covered
- Fire
- Lightning
- Explosion
- Earthquake
- Storm
- Flood
- Escape of water from tanks or pipes
- Theft or attempted theft
- Riot or civil commotion
- Malicious damage by third parties
- Falling trees or branches
- Impact by vehicles or aircraft
- Subsidence, heave or landslip
- Accidental damage to fixed glass and sanitary ware
Cover applies while the policy status is Active.
What’s not covered
- Wear and tear
- Gradual deterioration
- Frost damage to outside pipes
- Damage while the home is unoccupied for more than 60 consecutive days
These are the standard exclusions for this product. Your own schedule may add more, so read it alongside this page.
Water coming in right now?
If it has just happened, start here. The first hour matters more than the paperwork.
Before we can discuss your claim
Anything specific to your policy or your claim needs two things from you first: your policy number and the postcode registered on the policy. We check both before we read out any detail. Our approved repairer list and our general claims guidance are open to everyone and need no verification at all.