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Home Insurance
Home Insurance is a product that every household should have. Securance has chosen to work with Paymentshield Limited (PSL) in order to deliver the cover that you need.
PSL administer the buildings and contents products that we offer.
The Buildings and Contents policies are underwritten by:
Royal & Sun Alliance (Buildings and Contents)
Royal & Sun Alliance is one of the world's leading multinational quoted insurance groups, writing business in 130 countries and with major operations in the UK, Scandinavia, Canada, Ireland, the Middle East and Latin America.
Royal & Sun Alliance won General Insurer of the Year, Claims Initiative of the Year and International Initiative of the Year at the 2006 British Insurance Awards.
The Home Emergency and Legal Expenses covers are provided by:
DAS Legal Expenses Insurance Company Limited (Home Emergency and legal Expenses Cover)
DAS Legal Expenses Insurance Company Limited was established in 1975 and is the largest legal expenses insurer in the UK, with the head office based in Bristol. It is owned by DAS International of Munich, the largest legal expenses insurer in Europe and has a Standard and Poors rating of 'A'.
Insurance Options
You have a choice of Insurance options:
- Buildings only cover
- Contents only cover
- Buildings & Contents combined
Contents Cover
Subject to the policy conditions, your policy will cover the cost of either replacing or repairing your contents (up to a maximum sum insured of £40,000). Where possible damaged possessions will be replaced as new.
- Covers replacement of freezer contents
- Covers replacement of external locks
- Covers office equipment if you work from home
- Covers pedal cycles
- Covers personal money (whilst in your home) up to £250 which belong to you (or for which you are legally responsible) or belonging to domestic staff who live in your home
- Accidental damage to Contents (at an additional cost)
- Personal possessions can be added up to £10,000 (at an additional cost)
Personal Possessions can be a valuable extension to contents cover and insures clothing, baggage and articles of personal use which are normally carried by you and/or your family away from your home. This includes cover for jewellery, spectacles, binoculars and telescopes, mobile telephones, keys, pedal cycles, sports equipment and cameras.
This does not include any item used for your trade or profession except business equipment, e.g. laptops.
You can add Personal Possessions cover up to a maximum of £10,000, for an additional cost, as long as you have Contents Insurance. If Extra Cover is taken, then Personal Possessions up to £15,000 is available.
- If you require cover above £40,000, then contents cover can be increased up to a maximum sum insured of £60,000 and personal possessions cover can be increased up to £15,000 with Contents Extra (at an additional cost).
Buildings Cover
Subject to the policy conditions, your policy will cover the cost of returning the building to its normal condition (up to the maximum sum insured of £300,000)
- Alternative accommodation cover is provided if your property becomes uninhabitable and repairs are being carried out
- Accidental damage to Buildings (at an additional cost)
- If you require cover above £300,000 then buildings cover can be increased up to a maximum sum insured of £500,000 with Buildings Extra (at an additional cost).
Accidental Damage is a valuable extension to your Buildings & Contents cover and covers visible damage that has not been caused on purpose or inevitability. For example, the accidental breakage of a window or mirror.
Home Emergency Cover (optional addition to the policy available at an extra cost)
Home and emergency provides assistance for a sudden and unexpected event which needs immediate attention to make the home safe or secure, avoid damage or more damage to your home, make your home fit to live in, restore electricity,
gas or water services to your home if they have totally failed.
Subject to the policy conditions, your policy will provide cover up to a maximum sum insured of £500 (including VAT) in respect of:
- Call out, material and labour charges of an appointed qualified workman
- Overnight accommodation and/or transport to the accommodation up to a maximum of £100 (including VAT)
Legal expenses Cover (optional addition to the policy available at an extra cost)
Subject to the policy conditions, your policy will meet the cost of your legal expenses up to a maximum sum insured of £50,000 in respect of:
- Employment disputes
- Contract disputes
- Bodily Injury
- Property Protection
- Tax Protection
- Legal Defence
Your policy may also cover contributions in respect of lost wages whilst you are on jury service.
Specifying Valuable Items
The most you can claim for any individual item is £5,000 unless the item is specified on your certificate of insurance.
If specified on your certificate of insurance, the most you will be covered for any individual item is £15,000. You will need to provide a receipt, original valuation or suitable proof of purchase at the point of claim for any item that exceeds £250 in value.
You can only claim up to £1,500 (items taken away from your home) or £2,000 (items in your home) per item for jewellery, gold and silver articles, furs, clocks, watches, pictures, other works of art, sculptures and collections of stamps, medals and coins unless they are specified on your certificate of insurance. You will need to provide a receipt or valuation for these items in the event of a claim.
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