Key benefits of the policy include:

Basic Cover

• Covers possessions anywhere in the world, with accidental loss and damage included as standard (as against most standard policies, which only cover possessions in the home and against named perils - storm, theft, etc)
• Can insure high value items of fine art antiques and jewellery - often a major problem for standard insurers (with no excess payable on claims)
• Wider cover than the norm in many areas, eg:
  • Bicycles
  • Visitors effects
  • Students Possessions
  • Theft from unattended vehicle
  • Money
  • Credit Cards
  • Identity fraud expenses
• Family protection cover - you and your family are automatically covered against identity fraud, kidnap and ransom, aggravated assault following a burglary, air rage, carjacking, road rage and stalking threat cover
• Cover for home business equipment
• Public liability of £10m and employers liability of £10m should anyone suffer injury at your property and take legal action
• Legal expenses cover up to £100,000 for UK policy holders who buy contents insurance

Additional Covers - available at additional cost

• Family annual travel for your immediate family (under 70 years of age and in general good health)
• If you want more cover, just ask - we are flexible and can write a tailored policy to meet your needs
• You can add a second UK home to the same policy reducing administration and costs. We can also insure overseas properties

Claims Service

When you buy insurance you buy a 'promise to pay' - it's when you make a claim that you really find out how good your insurer is, which is why we aim to ensure our claims service is one of the best in the market, offering: