Home Insurance Optional Extras

Home Insurance Optional Extras

Legal Expenses

As part of your home insurance policy, home insurance optional extras cover you and anyone living with you, for up to £25,000 per claim for legal costs relating to issues eg. personal injury, property protection.

  • Covers up to £25,000 for any one claim in respect of legal costs and expenses incurred in connection with: Personal Injury, Consumer Contracts, Domestic Property Protection, Legal Defence, HM Revenue & Customs and Attendance Expenses.
  • Covers you and any member of your family permanently living with you.
  • Covers loss of salary or wages for the time off work to attend any court or tribunal hearing when pursuing or defending legal proceedings.

Exclusions and Terms and Conditions apply to both Car and Home Legal Expenses policies.
Policies are subject to there being a reasonable prospect of success in the opinion of the insurers. Please see policy documents for full details.

Keycare Cover

This is a handy piece of insurance. We give you a keyring which you register and then attach to your keys. It covers you for the loss, theft or breakage of all the keys on that keyring, like your house keys or your car keys – so that could be getting a replacement infrared opener, or getting your fob and immobiliser reprogrammed so that a thief can’t open and drive away your car.

  • Helps recover your lost or stolen keys by offering a finder’s reward.
  • Assists you in getting home safely following the loss or theft of your keys.
  • Provides you with a 24 hours a day,365 days a year Emergency Helpline.
  • Covers ALL the keys attached to the special fob (for example, car keys, house keys,office or caravan)
  • Up to £1500 worth of cover per annum.
  • Covers you for locksmith charges, replacement locks and keys, reprogramming immobilisers and alarms when lost or stolen.
  • Covers the cost of onward transport and a hire car if you are stranded or your car is unusable as a result of lost, stolen or broken keys.
  • No excess to pay.
  • No limit on the number of claims you can make.
  • Your No Claims Bonus on your other insurance policies will NOT be affected if you make a claim.

Exclusions and Terms and Conditions apply. A full copy of the policy documents are available upon request showing all the features, benefits, exclusions and limitations of the policies.

Home Emergency Policy

This great value home emergency assistance policy provides assistance to repair damage or prevent further damage to your home, making sure your home is safe and secure. The home emergency assistance policy covers up to £500 per incident, to cover call-out charges, parts and labour, there is no excess to pay and using it will not affect your no claims bonus. Plus, there’s no limit on the number of times you can use it.

Home Emergency Cover operates 24 hours a day, 365 days a year and there will always be a member of our team ready and waiting to provide assistance to you whenever you need it.
Should you suffer due to one of the listed events; one call will put you in touch with our local team who will provide assistance for:

  • Heating system failure
  • Plumbing and drainage failure
  • Burst pipes
  • Roof damage
  • Home security problems
  • Power supply failure
  • Lost home keys
  • Toilet damage

Exclusions and Terms and Conditions apply. A full copy of the policy documents are available upon request showing all the features, benefits, exclusions and limitations of the policies.