Home Insurance - Extra Cover Options

The Extra Cover Options are:

1. Technology and Entertainment

Available with:

• Core Buildings and Contents
• Core Contents only

Includes:
Technology and entertainment items such as televisions, DVD players, music downloads, digital receivers, cameras, laptops, desktop computers, satellite dishes and receivers, game consoles, mobile phones, plus many more.

Benefits:

• Items included in this option are automatically covered for accidental damage
• Portable items are automatically covered if taken outside the home

2. Personal Items

Available with:

• Core Buildings and Contents
• Core Contents only

Includes:
Personal items such as jewellery, medals, money, credit cards, sports equipment, pedal cycles and camping equipment.

Benefits:
The standard level of cover offered by this option is £500, but this can be increased to reflect your needs.

3. Garden

Available with:

• Core Buildings and Contents
• Core Contents only

Includes:
Items such as trees, shrubs, plants, hedges, lawns, gardening equipment and garden furniture

Benefits:

• The standard level of cover offered by this option is £500 and this can be increased to reflect your needs
• It also covers items that are left in the garden, such as barbecues or patio heaters.

4. Accidental Damage

Available with:

• Core Buildings and Contents
• Core Buildings only
• Core Contents only

Includes:
Accidental damage protection for your building, contents or both.

Benefits:
An ideal Extra Cover Option for DIY enthusiasts, families with young children or anyone looking for extra peace of mind.

5. Home Emergency Assistance

Available with:

• Core Buildings and Contents
• Core Buildings only
• Core Contents only

Includes:
The cost of home emergencies such as failure or damage to the plumbing or drainage system, loss of heating during the winter months of October to April or failure of the electricity supply

Benefits:
1. Specialist approved tradesman on hand to carry out urgent repairs 24 hours a day, seven days a week.
2. 24 hour emergency helpline.
3. Accommodation for you and your family, including pets if your home cannot be lived in due to damage.

6. Legal Expenses

Available with:

• Core Buildings and Contents
• Core Buildings only
• Core Contents only

Includes:
Access to a wide range of effective solutions, including professional mediation, that are designed to address your individual circumstances covering:

• Personal injury

Proceedings against another person or organisation as a result of an event which causes injury or your death.

• Consumer protection

In relation to the sale or purchase of goods.

• Residential

In relation to your home.

• Employment

In relation to your employer or contract of employment.

• Tax

A representative acting for you in a full enquiry by the Inland Revenue into your income and records.

Benefits:
Up to £50,000 of cover as standard.