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Insurance Guide: find the right cover for you

20th November 2019

We all want to protect the things we love in the best way we can. When it comes to looking after your car and home, we offer different levels of cover and optional extras to suit most car and homeowners.

Car Insurance

Car Insurance not only covers your expenses in the event of damage to your car or emergency medical costs, it also gives you peace of mind when on the road. We’ve made finding car insurance easy with three comprehensive cover options for you to choose from:

Essentials

This option offers all the basic features you need, plus added benefits, including:

  • Windscreen repair and replacement cover up to £150
  • Courtesy car whilst yours is being fixed (at one of our approved repairers)

Classic

Our Classic cover option gives you all the essentials, plus additional protection for extra reassurance, such as:

  • Cover if your vehicle is hit by an identified uninsured driver
  • Driving abroad cover for up to 90 days (single trip 30 days)
  • Lock replacement, child seat replacement & personal belongings
  • Motoring legal expenses Included as standard, covered for up to £100,000, in the event of a claim

Premier

If you’re someone who can’t afford to be without a car, Premier cover provides you with the maximum protection. Here are some of the benefits you’ll get:

  • Hire car for 14 days if yours is written off or stolen
  • Excess refund of up to £500 for ‘at fault’ claims
  • Mis-fuelling cover if you put the wrong fuel in your car

Find the full list of benefits for all three levels of cover.

We also give you the choice to enhance your Car Insurance with Motoring legal expenses (already included with classic and premier), Breakdown cover and Protected No Claims Bonus.

Home Insurance

You invest a lot of time and money into your home and what’s in it, so you’ll want to make sure it is properly protected. With our three simple levels of cover, you can find the right home insurance to suit your needs.

Essentials

Our Essentials Home Buildings and Contents Insurance offers all the basic features you need, plus added benefits, including:

  • Flexible levels of Contents cover, up to £150,000 if you need it
  • Up to £30,000 alternative accommodation cover
  • Freezer contents up to £250
  • Cover for lost keys and replacing locks up to £500
  • Add Legal Protection and Home Emergency cover should you want it

Classic

Our Classic Home Buildings and Contents Insurance provides you with all the essentials, plus more, Take a look at some of the benefits below:

  • Flexible levels of Buildings cover
  • 10% cover increase for special occasions
  • Theft from outbuildings up to £2,500
  • Cover against damage or theft of garden items up to £1,000
  • Office equipment cover in the home up to £5,000
  • Add Legal Protection and Home Emergency cover should you want it

Premier

With Premier Home Buildings and Contents Insurance, you get all the benefits of Classic, plus additional cover for extra reassurance. Here are some of the advantages of choosing this cover option:

  • Matching sets cover
  • Increased Alternative Accommodation cover up to £75,000
  • Up to £100,000 of legal expenses cover automatically included
  • Increased levels of cover for items stolen from your Garden or Outbuildings
  • Student Accommodation cover up to £5,000 to protect your family’s items

Office equipment cover in the home up to £10,000

Find the full list of benefits for both levels of cover.

If you want to enhance your Home Insurance, you can choose from Legal Protection, Extended Accidental Damage, Personal Possessions and Home Emergency Cover.

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