Additional Cover Options

Everyone has different needs and requirements from their home insurance.

Along with the cover included in Essentials and Extra as standard we offer a range of additional cover options that allow you to tailor your cover.

Simply choose which additional cover options suit your needs from the table below and then add them to Your Quote on the online application.

 

Accidental Damage Cover for Buildings

Covers things such as accidental breakage of fixed glass and bathroom suites

 

Comes as standard with Extra policies and is available with Essentials as part of the extended accidental damage option.

Extended Accidental Damage for Buildings

Covers things such as banging a nail though a pipe or putting your foot through the ceiling whilst in the loft

 

Available with Essentials and Extra policies for an additional premium.

 

Accidental Damage Cover for Contents

Covers things such as accidental damage to computers, TV’s and stereos and accidental breakage of mirrors and fixed glass in furniture

 

Comes as standard with Extra policies and is available with Essentials for an additional premium.

Extended Accidental Damage for Contents

Covers incidents such as spilling curry on your sofa or breaking a favourite ornament

 

Available with Essentials and Extra policies for an additional premium.

Personal Possessions Cover

Covers loss or damage to items, both at your home and away from it. Cover away from home applies anywhere in the UK and for up to 60 days elsewhere in the world, during each year you are insured. Choose from:

 

  • Personal property

Covers clothing and possessions you carry with you such as contents of handbags, mobile phones, MP3 players and jewellery. The maximum you can claim for any one item is £1,500. We also cover £500 for personal money.

  • Specified articles

This also covers items in and away from the home. You can specify individual items, such as jewellery.

  • Pedal cycles

Covers you for loss or damage up to £500 per pedal cycle. We can insure cycles with more than the limit if you provide us with the make, model and frame number.

Available with Essentials and Extra policies for an additional premium.

Family legal protection

Gives you and your family protection of up to £50,000 to pursue certain UK legal proceedings arising from, for example:

  • The death of or personal injury to you or your immediate family
  • Buying or hiring goods or services for your own personal use (for example, your new bathroom suite is installed poorly by the filters, but they refuse to put the damage right
  • Any infringement of your legal rights from owning or occupying your home
  • A breach of your employment contract

Claims will be handled for us by DAS Legal Expenses Insurance Company Limited.

Available with Essentials and Extra policies for an additional premium.

 

Buildings and contents insurance is arranged by Newcastle Building Society and provided and underwritten by Legal & General Insurance Limited.