Britannia Building Society | Insurance

Take a look at the cover we offer through our combined Buildings and Contents insurance.

Some events are covered whether you have bronze, silver or gold insurance cover so these have been grouped together under all levels cover.

The amount of cover depends on the level of insurance you have - take a look at the comparisons for bronze, silver and gold.

	Standard Cover for Bronze, Silver and Gold




Fire, explosion, lightning, earthquake, smoke	Falling aerials, satellite dishes and fittings, trees or branches	All risks covered on personal possessions world-wide	Riot, civil commotion, labour or political disturbances

Subsidence, heave and landslip	Malicious persons or vandalism	Impact by aircraft, aerial device, vehicles, animals	Escape/loss of oil or metered water

Storm or flood damage	Legal advice helpline	Theft or attempted theft	Domestic emergency 24 hour helpline

Accidental damage to underground service pipes and cables	Breaking into and repairing pipes from main sewer to house following blockage	Breakage of fixed glass, sanitary fitting and ceramic hobs	Liability for domestic employees up to £5 million

Cost of alternative, comparable accommodation	Damage to domestic fixed water and heating installations	Reinstatement of the title deeds following loss/damage	Owners liability/third party liability up to £2 million

	Bronze	Silver	Gold


Cost of replacing door locks following theft of keys	£250	£500	£500

Loss/Damage to contents temporarily removed from home up to:	£3,000	£5,250	15% sum insured

Property in outbuildings/garage covered up to:	£1,000	£1,750	5% sum insured

	Standard Cover for Bronze, Silver and Gold




New for old claims settlement	Option of accidental damage cover	Loss or damage to freezer contents up to £500

Accidental damage to TV, video, audio equipment and home computers	Up to £500 for any one cycle

	Bronze	Silver	Gold


Fixed contents cover	£20,000	£35,000	£60,000

Total for personal property (items over specific value to be identified)	£5,000	£8,750	£15,000

Theft of money	£200	£200	£500

Business equipment	No cover	£5,000	£8,000

Garden cover - theft/damage to plants and trees	No cover	£500	£500

New purchases up to £2,500 not previously covered	No cover	No cover	£2,500

	Standard Cover for Bronze, Silver and Gold




	For new home purchases, FREE cover between exchange of contracts and completion		Continued full perils cover range after 30 days unoccupancy (*See excess below)

	Index linking		Fraudulent use of credit cards by unauthorised persons up to £5,000

	Bronze	Silver	Gold


Rebuilding cost guarantee (subject to professional up-to-date valuation not exceeding)	£250,000	£400,000	£500,000

Contents in the open i.e in the garden	£250	£500	£1,000

Jury Service reimbursement	No cover	£50 per day	£50 per day

Family Legal Protection	Optional	Optional	Included up to £50,000

Wear and tear, depreciation or faulty workmanship.
Gradually occurring events such as rust.
Damage to gates, fences and hedges by storm.
Subsidence damage to items such as paths and gardens, where your home is not affected.

First £50 for all claims (unless otherwise agreed).
First £1,000 for subsidence, heave and landslip claims.
First £500 for theft, vandalism, escape of water/oil and interior glass breakage claims where the property is unoccupied/unfurnished for 31-90 days*.
First £750 for theft, vandalism, escape of water/oil and interior glass breakage claims where the property is unoccupied/unfurnished for 91 days to 12 months*.

*The policy booklet contains full details of all exclusions and conditions which apply to this policy


		Building a fairer society
		tell us what you think \| important legal information \| privacy policy \| glossary

Insurance