Home & Contents
Addresses insured damage to a residential building and household belongings, together with selected associated expenses and liability, depending on whether building, contents or combined cover is purchased.
- Illustrative example
- A kitchen fire damages the home's structure, appliances and furniture, requiring repairs and temporary accommodation.
- Check the wording
- Check rebuilding values, flood and accidental damage options, valuables limits, maintenance exclusions and periods when the home is unoccupied.
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Landlord
Addresses selected risks from renting out a residential property, such as building damage, landlord liability and eligible rental losses, with tenant default benefits requiring specific cover.
- Illustrative example
- An insured storm damages a rental property and tenants must leave while repairs are completed.
- Check the wording
- Distinguish loss of rent after insured damage from tenant default; review lease requirements, tenant damage and vacancy conditions.
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Motor Vehicle
Addresses private vehicle risks through selected cover levels, ranging from liability for damage to others' property to comprehensive protection for insured damage to the owner's vehicle.
- Illustrative example
- A driver accidentally collides with another car, damaging both vehicles and requiring repairs to each.
- Check the wording
- Confirm agreed or market value, authorised drivers, vehicle use and excesses; compulsory injury insurance is a different cover.
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Motorcycle
Addresses motorcycle damage, theft and liability for damage to other people's property according to the cover selected, with accessories and riding equipment needing particular attention.
- Illustrative example
- A parked motorcycle is stolen overnight, together with fitted accessories declared on the policy.
- Check the wording
- Review rider restrictions, theft security, modifications and protective equipment limits; track riding and competition often need specialist cover.
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Caravan
Addresses selected loss or damage to an insured caravan or camper trailer, potentially including contents and liability, with different arrangements for touring and permanently sited units.
- Illustrative example
- A touring caravan is damaged in a road accident, affecting its bodywork and fitted furniture.
- Check the wording
- Check towing, annexes, contents and storage conditions; permanent occupancy and motorhomes may require a different insurance product.
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Pleasurecraft
Addresses selected risks to privately used boats or yachts, including insured physical damage and boating liability, with equipment, rescue expenses and navigation areas dependent on wording.
- Illustrative example
- A recreational boat strikes a submerged object during a weekend trip, damaging its hull and propeller.
- Check the wording
- Confirm navigation limits, mooring, operator requirements and storm conditions; racing, chartering and commercial use may need separate approval.
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Travel Insurance
Addresses selected unexpected travel costs, such as overseas medical emergencies, cancellation and lost baggage, with benefits varying between domestic and international trips and selected policy levels.
- Illustrative example
- A traveller becomes seriously ill overseas and needs hospital treatment before being medically cleared to return.
- Check the wording
- Review pre-existing conditions, destinations, government travel advice, cancellation timing and activity exclusions; domestic medical benefits are limited.
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Valuable Articles
Extension
Provides tailored protection for specified jewellery, watches, artworks or collections, addressing insured loss or damage that may exceed the ordinary item limits in home contents cover.
- Illustrative example
- A declared engagement ring is accidentally lost while its owner is travelling away from home.
- Check the wording
- Check valuations, item scheduling, worldwide limits and accidental loss; unexplained disappearance or unattended storage may be restricted.
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High Net Worth Home
Combines tailored home and contents protection for higher value residences and possessions, potentially offering enhanced rebuilding, valuables and accommodation benefits subject to specialist underwriting and policy terms.
- Illustrative example
- A fire damages a heritage home with bespoke interiors that require specialist materials and restoration trades.
- Check the wording
- Confirm reconstruction assumptions, heritage requirements, collections valuations and settlement options; enhanced benefits are not unlimited or universal.
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