Britannia

Features & Benefits

• 24 hour Emergency Helpline available 365 days a year.
• Access to approved tradespeople.
• 24 hour Legal Advice Helpline for you and your family.
• Optional Legal Protection Cover pays your legal costs for up to £50,000.
• Enjoy extra discounts:
• a) Quality locks fitted to external doors and accessible windows.
• b) Professionally installed burglar alarm with regular maintenance agreement.
• c) Member of a Police approved Neighbourhood Watch Scheme.
• d) You're aged 50 or over.
• Enjoy up to 25% discount for increasing the amount you need to pay when making a claim.
• All Risks Cover protects personal possessions anywhere in the world for up to 60 days, excluding Documents and Securities.
• ‘New for old’ applies to all claims, with the exception of clothing and household linen.
• No extra cost for paying by monthly Direct Debit.
• £1,000,000 Third Party Liability.
• Business equipment cover of £5,000.
• Pedal cycle cover to £1,500 per cycle.

Exclusions

Here's a brief guide to the main exclusions that apply to HomeGuard provided by Groupama Insurance Company Ltd with Britannia. The policy booklet will contain full details of all exclusions and conditions which apply to this policy.

Main exclusions

• Wear and tear, depreciation, electrical and mechanical failure or breakdown.
• Contact lenses, boats, caravans and vehicles.
• Business equipment and musical instruments used professionally.
• Loss or damage to sports and camping equipment whilst in use.
• Cover for damage caused by malicious persons or vandals, escape of water or oil from any fixed water or heating installation or theft where the property has been unoccupied for 90 or more consecutive days.
• Pollution and contamination, war, radioactive contamination and sonic bangs.

Excesses

Here's a brief guide to the main excesses that apply to HomeGuard provided by Groupama Insurance Company Ltd with Britannia. The policy booklet will contain full details of all exclusions and conditions which apply to this policy.

• First £50 of each claim (except liability claims).
• First £250 for damage caused by malicious persons or vandals, escape of water or oil from any fixed water or heating installation or theft where the property has been unoccupied for 30 or more consecutive days.
• £150 if security discount given but security not in operation at time of theft.
• Additional voluntary excess taken by you to obtain additional discounts.

Voluntary excesses

If you wish to increase the amount you pay towards a claim above the standard £50 excess, we can provide an additional discount as follows:

• Extra £50 – less 5%
• Extra £100 – less 10%
• Extra £150 – less 12.5%
• Extra £200 – less 15%
• Extra £250 – less 17.5%
• Extra £300 – less 20%
• Extra £350 – less 21%
• Extra £400 – less 22.5%
• Extra £450 – less 23.5%
• Extra £500 – less 25%

The policy booklet will contain full details of all exclusions and conditions which apply to this policy.

Limits

Here's a brief guide to the main limits that apply to HomeGuard provided by Groupama Insurance Company Ltd with Britannia. The policy booklet will contain full details of all exclusions and conditions which apply to this policy.

• General contents up to £35,000 option to increase if required to a maximum of £65,000.
• Valuables in total in the home 30% of contents sum insured.
• Single article limit on valuables and pedal cycles £1,500.
• Unspecified personal possessions away from home 10% of contents from the home limit sum insured.
• Contents in the open £250.
• Money £250.
• Household goods in outbuildings theft limit £5,000.
• Fraudulent use of stolen credit cards by unauthorised persons £500.
• Home office business equipment including computers £5,000.
• Freezer foods £500.
• Alternative accommodation 20% of contents sum insured.
• Third party liability £1,000,000.
• Domestic employees indemnity limit £2,000,000.
• Personal possessions cover anywhere in the world up to 60 days.
• Title deeds £250.
• Theft or loss of keys (lock replacement) £250.
• Loss of metered water/oil £1,000.
• Tenants' liability 20% of contents sum insured.
• Legal expenses (optional) £50,000.