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Arranging the right cover for your home and contents can be complicated and time-consuming. That’s why we have designed products that make things as straightforward as possible.
Our Lifesure home policies have been refined through years of insuring all sorts of homes from one bedroom flats through to multi-million pound houses. Like you, we appreciate the little details, like the automatic increase of cover for special occasions.
Just one call is needed to get your quote. Our team of insurance professionals can answer any questions you may have and will even take care of the paperwork for you.
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We have created two home insurance policies that offer an outstanding level of cover to give you the protection you need when you need it.
|Cover||Lifesure Advantage 500||Lifesure Elite|
|Buildings Cover||Blanket cover of £500,000||Minimum sum insured £250,000|
Maximum sum insured £1 million
|Accidental Damage to services to and from the public supply; fixed glass; sanitary fixtures and fittings||Included||Included|
|Trace and Access||£5,000||£5,000|
|Alternative Accommodation||£35,000 under buildings and 20% of contents sum insured||15% of sum insured|
|Property Owners / Public Liability||£2 million||£2 million|
|Contents Cover||Minimum sum insured £15,000|
Maximum sum insured £75,000
|Minimum sum insured £75,000|
Maximum sum insured £150,000
|Standard Accidental Damage *||Included||Included|
|Personal Possessions||Minimum sum insured £1,500|
Maximum sum insured £30,000
|Minimum sum insured £5,000|
Maximum sum insured £30,000
|Personal Possessions Single Article Limit||£2,000||£7,500|
|High Risk / Valuables||30% of the total contents insured||£10,000|
|High Risk / Valuables Single Article Limit||5% of the total contents insured||£7,500|
|Outbuildings / Shed / Garage Contents Sums Insured||Non Brick Outbuilding £2,000|
Brick Outbuilding £5,000
|Non Brick Outbuilding £2,000|
Brick Outbuilding £10,000
|Contents in the Open i.e. Garden||£1,000||£2,500|
|Plants in Garden||£500||£2,500|
|Business Equipment||10% of the contents sum insured||£10,000|
|Personal Money and Credit Cards in the Home||£500||£2,000|
|Religious Festivals and Weddings||10% of the total contents insured||£5,000|
|Documents such as Bonds, Securities and similar||£750||£5,000|
|Loss or Damage to Downloaded Data or Digital Information||£1,000||£1,000|
|Items Temporarily Removed From the Home||20% of the contents sum insured||20% of the contents sum insured|
|Pedal Cycle Cover||£2,500 (£1,250 on any one pedal cycle)||£5,000 (£2,000 on any one pedal cycle)|
|Loss of Oil or Metered Water||£2,000||£5,000|
|Escape of Water Excess||£250||£250|
|Replacement Locks and Keys||£750||£2,500|
*Extended cover is an optional extra
Below is a summary of the main features of the Lifesure home insurance policies.
All our household insurance policies include new for old contents cover as standard and all quotes include accidental damage for both buildings and contents when first given.
- All contents new for old except clothing and linen
- Student contents
- Accidental damage cover. Extended cover is an optional extra
- Personal possessions cover away from the home (optional extra)
- Single article limit of up to £7,500 (Lifesure Elite)
- Unlimited deep freezer contents cover
- Alternate accommodation should your property become uninhabitable – terms apply
- Cover for outbuildings / garages / shed contents
- Contents in the open cover
- Loss of keys cover
- £2,000,000 public liability and property owners liability cover
- Legal expenses cover
- Increase in sum insured for weddings and religious festivals
- Personal money and credit card cover
- Loss or damage to downloaded data or digital information
- Pedal cycle cover
- Loss of oil or metered water
- Home Care Emergency Assistance giving home emergency repairs (optional extra)
As with any insurance there are a few exclusions to the policy. Please see the policy booklet for the full list of exclusions.
Excesses and policy limits may apply. Your Lifesure adviser will be pleased to give you the details.
Please note that regrettably we are unable to offer quotes to residents of Northern Ireland.
Should these policies not suit your individual needs we also have an additional panel of insurers including Ageas, Allianz, Aviva, Axa, Broker Direct, Canopius, Covea, I-Prism, LV, Prestige, Royal & Sun Alliance and Zurich.
We will search their schemes on your behalf to get you the cover you want. These policies are not available through price comparison websites.
Cover through these policies may vary from that listed above.
If your home insurance requirements are more complicated and require a bespoke policy perhaps because of the value of your home, the way it is constructed, you have suffered from subsidence in the past or you have some valuable items that you wish to cover, please visit our High Value Home insurance page for more information, or call the team direct on 01480 402475. We have a selection of High Net Worth Home policies available giving both increased sums insured and increased benefits.
Home Care Emergency Assistance is an optional extra that can be added on to your insurance.
This cover gives you the peace of mind that should emergency repairs be required to your property, a qualified contractor will be sent out to you. Under your policy the following emergencies are covered:
- Burst pipes or sudden leakage that is likely to cause damage to your home or contents
- Failure of your water supply
- Failure of your electricity supply (on the domestic side of the supply authority’s main fuse)
- Blockage, breaking or flooding of drains or sewers
- Failure of your hot water heating
- Breakdown or failure of your heating system
- Inoperable toilet, including breakage of the internal mechanism with the cistern, providing it is the only toilet in your property
- Your home being made insecure due to failure or damage of the external locks, doors or windows
- The roofing, down-piping or guttering failing and further water damage being a likely result of the failure
- An infestation of rats, mice, wasps and / or hornets
Please note that as with all insurance policies terms and conditions apply. We would recommend that you read the policy document for more information, which is available here.
Key protection cover is an optional extra that can be added on to your insurance.
Many insurance policies include key protection, but the advantages of this product include –
- 24/7 emergency helpline
- No excess to pay
- You won’t lose any no claims bonus accrued through your main policy
- It won’t count as a claim against your insurance
- All keys on the fob are included whether they be car, home, caravan or motorhome etc.
- Larger maximum claim limit of £1,500. Most policies are capped at around £500
For full details about the cover, please visit our key protection page.
Most household insurance policies have a policy excess which means the policyholder has to pay the first part of a claim made under a household insurance policy.
Excess reimbursement insurance is designed to repay the policyholder the amount of any policy excess paid when making a successful claim under a household insurance policy.
This is an annual policy. The period of the contract is 12 months.
To qualify for excess reimbursement insurance the policyholder must be named as policyholder on the household insurance policy.
This insurance only applies if there is an excess under a household insurance policy. Excess reimbursement insurance applies only to own personal insurances. It will not include any commercial insurances of any nature unless it has been agreed by insurers and stipulated in the insurance schedule.
What is covered?
If the policyholder makes a claim under their household insurance policy the insurer will reimburse the policyholder the amount of any excess that the policyholder had to pay subject to:
- The claim under the household insurance is successful, was more than the excess amount and happened during the period of insurance of their excess reimbursement policy.
- A claim can be made more than once during the period of insurance but the maximum amount paid in any one year is £250.
What is not covered? (Significant exclusions)
There is no cover if the policyholder was aware at the start date of cover that a claim under the household insurance policy was going to be made.
There is no cover within the first 30 days from the inception date unless this insurance was taken out at the same time as the household insurance policy.
There is no cover if no excess was paid or deducted from the claim settlement by the insurer of the household insurance policy;
There is no cover if the claim under the household insurance policy was not successful or was for less than the amount of the excess.
Please visit the home insurance policy documents page to see sample documents for all of our home insurance policies.
You will also find copies of the legal policy wording.
Please note: We use a number of insurers to quote for various risks and depending on the individual risk, cover may vary. The sample policy wordings shown are only an indication of cover that may be available. To receive a copy of the exact policy wording applicable to your individual risk, please contact us on 01480 402460.
We have a library full of articles and practical advice that we have written for our customers on a variety of topics including motoring safety and tips on saving money.
The motoring advice library can be accessed here.
How do I find out my building sum insured (BSI)?
If you are buying a home it is possible that you will be able to find the rebuilding cost of the property on your home buyers survey. Another place to look is the website from the Royal Institute of Chartered Surveyors (RICS), they have a helpful calculator to work out how much you should be insuring your home for.
What’s the difference between standard accidental damage and full accidental damage cover?
Standard cover includes all of the normal perils you will find in a home insurance policy, such as fire, theft, storm damage etc. A standard policy will also generally cover a certain amount of accidental damage cover to contents: accidental damage to televisions, radios, home computers, video recorders, audio equipment, satellite dishes and aerials. To buildings: accidental breakage of glass and sanitary ware.
Full accidental damage will cover accidents to all contents, such as spilling paint on a carpet or a cup of tea on your sofa.
Are contents covered in outbuildings?
Contents are not necessarily covered under all policies in outbuildings. Cover is included in the Lifesure home insurance policy, which covers you up to £5,000 for contents in brick built buildings and up to £2,000 in wooden sheds.
Are my valuables covered at all if I don’t have personal possessions cover?
Valuables are covered whilst in your home subject to the single item limit. To ensure your valuables are covered away from the home, you would need personal possessions cover.
Are bicycles covered away from home?
Bicycles are covered under the Lifesure home insurance policy as long as you have personal possessions cover for items away from the home. Any individual cycle valued at over £1,500 would need to be named individually on the policy.
What is new for old cover?
New for old cover means that if you have a claim, any item that is replaced will be replaced with a brand new item to the same specification of the item that was lost or damaged.
Are there any advantages combining buildings and contents in one policy?
If you combine buildings and contents cover you will be given a discount for having both sections of cover on one policy. Also, if you are unfortunate enough to have a claim that affects both your building and contents, you will only pay one excess, not two if they are insured separately. Another advantage under a combined policy in the event of a claim involving both contents and buildings is that you will only have one insurer to deal with.
What is meant by escape of oil or water?
Escape of water is when water that has entered your property by the mains water supply has, at some point on its journey within your house, escaped from the pipe or tank that it was in, and caused damage to your property. Usually this will mean from a burst pipe.
What items are usually subject to a deduction for wear and tear?
Most items that are claimed for are replaced on a new of old basis. For some items a deduction is made for wear and tear. This would generally apply to household linen and clothing.
What are gradually operating causes?
Gradual operating cause is better known as wear and tear. This is damage that occurs over a period of time and is something that would not be covered under a home insurance policy.