Home

Car

Pet

Help Centre

Claims

Contact us

Get a quoteRetrieve quote

Home insurance

Home customers saved an average of £96 when they joined us*

Home insurance for people like you

The kind of home
insurance you want

Making a claim under both Buildings & Contents? You'll only pay one policy excess.

An online portal that lets you manage your policy 24/7.

A Claims service that can pay you direct to cover the cost of replacing items.

A range of flexible add-ons available. (More info)

Three cover levels to suit your needs and budget.

We’re rated No.1 for Home Insurance on Reviewcentre.com**

Take your pick

Buildings insurance sum covered

£600,000

£1,000,000

£1,000,000

Contents insurance sum covered

£60,000

£75,000

£100,000

New for old cover as standard

Alternative accommodation (buildings)

Up to £75,000

Up to £100,000

Up to £150,000

Alternative accommodation (contents)

£10,000

£10,000

£25,000

Credit cards in and away from home

£1,000

£1,000

£1,000

Personal money in the home

£250

£250

£1,000

Deep freezer contents

£300

£500

£750

Property owners liability

£2,000,000

£2,000,000

£5,000,000

Replacement locks or keys

£300

£500

£1,000

Legal Expenses Select

Home Emergency Select

Policy wording

Our policy wording has been reviewed by the Plain English Campaign, who champion policies that are crystal clear.

Policy wording

Create cover that suits you

Select exactly what you need and we’ll tailor the perfect policy for you.

Home emergency

Legal expenses

Key cover

Cycle cover

Accidental damage

Away from home

Home Emergency cover is there for you if you're experiencing an emergency - a sudden, unexpected event which leaves your home unsafe or not secure, or which leaves you without essential services, like heating or a working toilet.

If you have Home Emergency Cover, we'll arrange for a contractor to come and put in place a temporary repair during the emergency, to keep you and your home safe.

Claims line open 24/7, all year round

Burst pipes, plumbing and drainage problems

Security cover (if a window gets smashed, for example)

Boiler breakdown, including heating and hot water failures

Helping with your toilet if it’s blocked or won’t flush.

Read more about our Home Emergency cover

Home emergency

Legal expenses

Key cover

Cycle cover

Accidental damage

Away from home

People love what we do...

Speedy online claim experience

Had Policy Expert home insurance 10 yrs. This was my first claim and nervously I opted to claim online. Every response I sent was acknowledged and I was able to check progress online at any time. It took less than a week from end to end. No hassle at all and I was able to replace my broken item within a further 24 hrs.

Celia Moore - 09/12/2024

Very responsive to claims

Very responsive, we had to make a claim for accidental damage to TV and it was processed quickly completely hassle free. They were still the most cost-effective policy when we come to renew. Would highly recommend.

Daniel Maddock - 01/12/2024

Excellent telephone support

I had one problem that I couldn't resolve, so I phoned them up on a Saturday morning. My call was answered quickly, and the line was clear - a nice change from the usual call centre. The call handler was easy to hear and understand and my problem was dealt with quickly and efficiently. Top marks

Nigel Goodenough - 08/12/2024

Dealt with quickly and politely

I have just taken out a House Insurance policy. Very pleased when I contacted this company with some queries. Dealt with very quickly and very polite (a novelty nowadays). Keep up the good work.

Mrs M Greaves - 07/12/2024