building & contents insurance

Your home and its contents are likely to be your most valuable financial assets.  It is therefore important to protect them against incidents that can potentially destroy or severely damage them.  Buildings and contents Insurance provides this type of cover.

Buildings

This covers damage to your home as a result of a wide range of events including fire, storm, flood, subsidence, theft and escape of water.  Policies cover the costs of works carried out to repair or reinstate the damaged parts of your building up to the sum insured following a validated claim.

Contents

This covers loss of damage to your household goods and personal effects as a result of a wide range of events including fire, smoke damage, malicious damage or vandalism, storm, floods, subsidence, theft and escape of water.

Accidental damage

You can choose extended Accidental Damage Insurance for your Buildings and/or Contents.  This covers visible damage that has not been caused on purpose or inevitably.

Personal possessions

This covers articles of personal use normally worn or carried by you or your family such as clothing baggage and personal effects.  The items are insured in the home or when they are away from the home.  Personal Possessions Cover is normally available as an optional policy extension where contents is selected.

Home emergency

This optional cover provides assistance if, in your home, you have an emergency that is not expected and required immediate action to.

• Make your home safe and secure
• Avoid damage or further damage
• Ensure your home is fit to live in
• Restore electricity, gas or water services to your home if they have totally failed.

Legal expenses

This optional cover provides assistance to you for legal expenses incurred as a result of employment disputes, contract disputes, bodily injury, property protection and legal defence.

How to arrange cover

We will provide you with a copy of the Policy Summary, together with a premium quotation for the cover that you require.