Insurance

Insuring your property is an important consideration, but what about its contents? The chances are your home is full of furniture, jewellery and other items that would be expensive to replace. What would you do if these items were lost, destroyed or stolen?

Our HomeGuard policy, provided by Groupama Insurance Co. Ltd is designed to give wide-ranging cover for your contents.

Key Features

• Flexible cover - HomeGuard is a flexible policy with three levels of cover that enables you to tailor the cover to suit you:
  • Standard Cover protects household goods, personal effects, valuables and money in your home.
  • Accidental Damage Cover includes all the benefits of Standard Cover as well as providing cover for accidents in the home, such as spills and breakages.
  • All Risks Cover insures your personal effects, valuables and money against accidental loss and damage when they're away from home.
• New for old - Any items damaged beyond repair will be replaced by new items without deduction for wear and tear. The only exception is clothing and household linen.
• 24 hour helpline - You'll enjoy round the clock protection with the 24 hour Emergency Helpline, 365 days a year.
• Extra discounts - We offer a range of discounts as a reward for being security conscious and/or for taking a voluntary excess, saving you up to 40% on your premium.
• Pay monthly at no extra cost - Unlike other major insurers, we don't charge you for paying monthly by Direct Debit.
• Great cover - The policy covers furniture and domestic appliances up to £35,000. Jewellery, personal effects and other valuables are covered subject to a limit of £1,500 for any one item.
• Also... At no extra cost, you're also covered for stolen cash, freezer food spoilage, replacement door locks and personal liability up to £1 million.

IMPORTANT - You must read the important information section before applying, to understand any exclusions, limits and excesses that apply.

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.

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.