Insurance

Our Home and Contents Gold policy covers your home against damage from fire, storm, flood and all the other major perils you may face, and also allows you to choose the level of contents cover you require, from anything over £35,000 right up to £60,000.

Cover can include accidental damage - insuring you for things like spilling paint on the carpet, or putting your foot through the ceiling.

Key Features

• New for old - Any items damaged beyond repair will be replaced by brand new items without deduction for wear and tear. The only exception is clothing more than 2 years old.
• 24 hour helpline - You'll enjoy round the clock protection with the 24 hour Emergency Helpline, 365 days a year.
• Don't be underinsured - Our policies help to guard against your home and any outbuildings being underinsured by providing a rebuilding cost guarantee.
• Extra discounts - With our combined policy, we offer a range of extra discounts to suit your needs, saving you up to 15% on your premium.
• Pay monthly at no extra cost - Unlike other major insurers, we don't charge you for paying monthly by Direct Debit.

Pay less for your premiums

There are a number of discounts available on our home insurance policies. For instance if your home is protected by door and window locks, a NACOSS alarm or a Neighbourhood Watch Scheme, you'll qualify for reductions in the price of your premium. Please ask on application for full details.

If you wish to increase the amount you pay towards a claim above the standard £50 excess, you can also obtain additional discounts ranging from 5% for an additional £50 voluntary excess to 25% for an additional voluntary excess of £500.

IMPORTANT: Please read the important information for a full list of the benefits and limitations for our Gold product, and to compare all three levels of cover.

Membership Reward If you qualify for Membership Reward, after the initial qualifying period, we show our appreciation with an annual reward; currently a cash payment of up to a possible £500, subject to scheme rules and tenure.
Use our Membership Reward Calculator to see how much reward you could be earning.