Let's. Talk. Specialty.

We are now using homes for more activites than ever before, so it is important to cover against losses that can interfere with daily personal lives. We can cover damage to insured buildings and fixtures, including driveways, patios, fences, swimming pools, tennis courts, underground utilities and more. Buildings Insurance provides some of the following:

• Extended Replacement Cover
• Alternative Accommodation
• Building Works
• Finding a Leak
• Home Upgrades for Water Damage
• Security Upgrades

Contents may be in the home, a car, a suitcase, hotel room or anywhere else in the world. With our “all risks” contents cover, we can replace damaged or lost contents on a new for old basis, with no depreciation for wear and tear. Contents Insurance provides the following:

• Extended Replacement Cover
• E-bikes and E-scooters
• Security Upgrades
• Damage by Pets
• New Acquisitions

We can cover valuables such as gold or silver jewellery, fine watches or rare gemstones on a policyholders person, in their home or anywhere else in the world. Valuables Insurance provides the following:

• Extended Replacement Cover
• Generous Limits
• Choice of Settlement
• Choice of Repairers
• New Acquisitions

Whether collections include furniture, paintings, china, books, clocks, wine and spirits, sculptures or other antiques or works of art, we can cover them at the policyholders home or anywhere else in the world. Antiques and Works of Art Insurance provides the following:

• Extended Replacement Cover
• Generous Limits
• Choice of Settlement
• Choice of Repairers
• New Acquisitions

Following a dispute with a stranger, neighbour, or domestic employee, we will consider the provision of funds to cover the reasonable costs and expenses of legal representation up to the limit stated on the policy. Legal Expenses Insurance can provide protection for cases such as:

• Employment disputes
• Contract disputes
• Property protection

Home Emergency Insurance provides 24-hour assistance and costs up to GBP2,500 (including VAT)   for each insured event at the policyholders insured location when they face an emergency or major issue, needing immediate assistance for situations such as:

• Roof damage that affects or will affect the inside of a policyholders home

• Damage to, blockage, breakage or leaking of, plumbing and drainage systems

• Heating or power supply failures

• Damage to or mechanical failure of toilet unit    

• Vermin infestation that makes at least one room of an insured property uninhabitable.

We can protect against the impact of cyberattacks, fraud and ransomware, accidently transmitting a virus to someone else’s computer, as well responsibilities of information held by policyholders on other people, such as the personal details of employees, photos and other data held on phones or other devices. Home Cyber Insurance provides cover for the following three main areas, subject to a limit of GBP100,000: 

• Damage to IT systems and loss of data
• Fraud, hacking, and ransom
• Legal Liability

We can provide cover when travelling should the unexpected happen. Travel Insurance provides the following:

• Medical expenses
• Cancellation and curtailment
• Winter sports