Buildings cover protects the physical structure of the property including walls, roof, doors, windows as well as any permanent fixtures such as kitchen cabinets, built-in wardrobes. Contents cover protects your personal belongings inside the property e.g. furniture, curtains, clothes, carpets, jewellery, electronics.

When calculating the contents value, you need to think about everything you would take with you if you moved home - furniture and furnishings, household goods, kitchen equipment, televisions, video, computer and audio equipment, clothing, personal effects, and valuables up to stated limits. Don't forget to make sure you consider all of these items when calculating the total value of your contents to ensure you have adequate cover.

Standard cover will provide cover for loss of or damage caused by:

Fire; explosion; lightning; earthquakes; impact by aircraft, road or rail vehicles; theft or attempted theft; oil leaking from a central heating system.

Malicious damage; storm; flood; falling trees; escape of water or oil from any fixed water or fixed heating installation or washing machine; subsidence; heave; and landslide.

Accidental damage to sanitary ware and fixed glass.

Optional Accidental Damage cover is in addition to the standard level of cover outlined. This covers any type of accidental damage that happened as a once off and not a result of lack of upkeep. It includes accidentally damaging walls, ceilings and worktops.

New for Old or standard cover will provide cover for loss of or damage caused by:

Fire; explosion; lightning; earthquakes; impact by aircraft, road or rail vehicles; theft or attempted theft; oil leaking from a central heating system.

Malicious damage; storm; flood; falling trees; escape of water or oil from any fixed water or fixed heating installation or washing machine; subsidence; heave; and landslide.

Mirrors, fixed glass in furniture, glass tops to furniture, and television sets are covered against all of the above risks and against accidental breakage.

Accidental damage to televisions, radios, computers, video recorders and cable/satellite/digital receivers.

Optional Accidental Damage is in addition to the standard level of cover outlined. This covers any type of accidental damage including accidentally spilling paint on the carpet, and dropping an expensive ornament.

Yes planning an extension can impact your home insurance premium as you will be increasing the overall value of the property and depending on the planned size, you may also need to increase your cover limits. Building works may also not be covered as standard so you need to check this with your insurer. 

New for Old replaces damaged, stolen or lost items with brand new equivalents of the same value. It's designed so you get a new item without any deductions in value to cover wear/tear and depreciation.