Budget insurance

budget home insurance

Protect your home with great value home insurance

budget home insurance

protect your home with great value home insurance

Your home will probably be the most expensive thing you ever own so it’s important to get great value home insurance. And your home contents can add up to a tidy sum, too.

We’ll help you protect your home and belongings with great home insurance at a great price. We’re one of the UK’s leading home insurance providers and we work with a nationwide network of expert insurers. We’ll get you the best value home insurance, backed up by great customer service from our award winning UK contact centre.

If you need to make a claim, you just call our UK claims helpline 24/7 on 0844 8710759. Our dedicated team of claims advisers will help you get your claim sorted fast.

And if you’re a landlord, we can also find you the great rental property insurance deals.

buildings insurance

Our buildings insurance will cover you for £500,000 damage to your home – or more if you need it.

what's covered?

  • your home including any outbuilding that's within the boundary of your property

which events are covered?

  • fire, smoke, lightning, explosion, thunderbolt or earthquake
  • storm or flood
  • water or oil damage from any fixed water or heating installation, or from a domestic appliance
  • riot, civil commotion, strikes, labour or political disturbances
  • theft, attempted theft, vandalism or malicious acts
  • subsidence, heave or landslip on your property’s land
  • damage caused by falling trees

we also cover:

  • property owners’ liability up to £2,000,000 (for example, if someone has an accident on your property)
  • accommodation up to £15,000 or 20% of the buildings sum insured (whichever is lower) if you can’t live in your home following an insured event

Please refer to the policy terms and conditions for full details of cover and exclusions

additional cover options

You can get even more protection with our additional cover options, which include:

  • Family Legal Protection up to £50,000
  • Home Emergency Assistance up to £2,000 annual cover, free for the first 3 months
  • Keycare, up to £1,000 per year
  • Personal Accident Cover, free for the first 3 months

contents insurance

We’ll cover you for repair or replacement of, your belongings if they’re damaged, lost or stolen with contents cover from £15,000 to £99,000.

what's covered?

  • household goods and non permanent fixtures and fittings such as carpets
  • high risk items such as TVs
  • personal belongings, with an option to insure them outside the home as well
  • up to £3,000 for office equipment and furniture if you run a business from home

which events are covered?

  • fire, smoke, lightning, explosion, thunderbolt or earthquake
  • storm or flood
  • water or oil damage from any fixed water or heating installation, or from a domestic appliance
  • riot, civil commotion, strikes, labour or political disturbances
  • theft, attempted theft, vandalism or malicious acts
  • subsidence, heave or landslip on your property’s land
  • damage caused by falling trees, aerials or satellite receiving equipment

we also cover:

  • freezer contents up to £500
  • alternative accommodation up to £7,000 or 10% of the contents sum insured, whichever is lower
  • credit card use up to £500 and cash up to £500 if cards or cash are stolen from your home
  • public liability up to £2,000,000
  • a 10% increase in cover over Christmas, during religious festivals and before and after weddings
  • loss of oil or metered water up to £2,000
  • contents that are taken out of the house up to £500
  • replacement of keys and locks up to £500
  • pedal cycles up to £350

Please refer to the policy terms and conditions for full details of cover and extensions

personal possessions

For an additional premium, we can give you cover for personal possessions in and away from your home, for items such as:

  • clothing
  • laptops
  • sports equipment
  • holiday luggage

additional cover options

You can get even more protection with our additional cover options, which include:

  • Family Legal Protection up to £50,000
  • Home Emergency Assistance up to £2,000 annual cover, free for the first 3 months
  • Keycare, up to £1,000 per year
  • Personal Accident Cover, free for the first 3 months

How can we help you?