An important message for our home insurance customers
Some of our online and phone services won't be available from 11pm on Saturday 8th October until 3pm on Sunday 9th October. This is so we can make some improvements to our systems.
Our home emergency phone lines and online claims services will still be available, but you won't be able to get a quote, or make changes to your home insurance policy during this time.
We're sorry if this causes you any inconvenience.
Privilege Platinum home insurance is perfect for households with more belongings (or just more expensive belongings). It offers higher levels of buildings and contents cover, for complete peace of mind.
It also includes additional benefits such as covering your personal possessions when you’re out and about, accidental damage for your buildings and contents plus bicycles (£1,000 limit), and many more as standard.
Insure your belongings outside the home, or even while sunning yourself on holiday.
We’ll cover the following anywhere in the UK and for up to 60 days elsewhere in the world:
Protect your home and belongings with Accidental Damage cover. You can get cover for your Buildings, Contents or both, depending on your Home Insurance policy. You’ll be covered for unexpected, unintentional accidents caused by sudden physical damage. Some examples include:
Get access to a 24-hour service for emergency repairs to your home.
We'll make sure a reliable, qualified tradesman does the repairs, with the aim to make your home safe and secure. We'll also cover your costs for labour, call out and parts up to £500 for emergencies such as:
Family legal protection gives you a 24-hour, seven-day-a-week helpline and claims service.
Report a claim or discuss private legal matters with our legal experts and be covered for up £100,000 for legal costs in pursuing claims related to:
We also provide cover for:
Buildings – This section of your policy provides either cover up to £1,000,000, or unlimited cover (depending on the policy you’ve chosen).
However, there are some properties that may not be eligible for this cover, and we would need to discuss these with you individually. These include properties with:
Contents - These are the items that you would normally take with you when you move. Things like carpets, curtains, furniture, electrical appliances, valuables, clothing and personal effects. Your 'contents sum insured' amount should cover the current replacement cost of these items.
Our website quotes are an estimate based on the size of your property. However, this is only a guide and you should check this amount carefully.
They are if you take out Personal Possessions cover (included with Platinum home insurance).
When added to our standard home contents policy we’ll cover your personal belongings (including up to £500 for money) against theft, loss or accidental damage anywhere in Britain, as well as up to 60 days abroad.
Any individual items worth more than £2,000 must be named on the policy. Bicycles are covered, up to £500 on our standard policy and £1000 on our Platinum policy.
Personal Possessions cover is included on our Privilege Platinum Home Contents policy. Your personal belongings (including up to £1,000 for money) are covered against theft, loss or accidental damage anywhere in Britain, as well as up to 60 days abroad.
Any individual items worth more than £4,000 must be named on the policy. Bicycles are covered, up to £1,000.
If you have a bicycle which costs more than the limits above you can list individual bikes up to £3,000 per bike. The total for all your named bikes can’t go over £6,000.
Our home insurance covers the cost of your computer if stolen (up to £2,000 with our standard policy and up to £4,000 with our Platinum policy).
You can also add accidental damage cover to our standard home insurance policy (it’s already included with our Platinum policy).