Your house


Mass market clients who own homes of standard construction with no more than four bedrooms and who aren’t sure of the total value of their contents, but know it’s less than £75,000.

Key description

A straightforward, bedroom-rated, comprehensive insurance product. Its standard cover meets the most common needs, plus it offers a full range of optional extras.

  • Accidental damage cover for audio, video and computer equipment included as standard
  • Homeworking equipment up to £5,000 is covered, as standard
  • Up to £10,000 for contents temporarily removed from the home
  • Optional add-ons to suit your client’s lifestyle and insurance needs, including: legal cover for their family, travel, personal belongings, personal accident, home and garden (including home emergency and matching items cover), working from home, caravan, small craft and sports cover.

Alternative products

  • Home Plus - For clients who are looking for a flexible home insurance product to cater for their individual needs. Home Plus can accommodate clients just starting out to those who live in homes that are of non-standard construction, and clients who have more than five bedrooms to those who only require buildings cover.

Selling points

  • Clients can use our approved repairer network. There’s no need to get estimates, or pay upfront, as we do all the work on behalf of your clients
  • Our professional expert surveyors will assess the damage and appoint and pay tradesmen direct to make repairs without fuss and with the least amount of inconvenience to you or your clients
  • Clients can call our free tax, legal and identity theft advice helplines


Key documents

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All current documents

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When things go wrong for your customers, here’s how we help them get back to normal as swiftly as possible.

New claims

For new claims, our system’s quick and simple.

  • You can contact the team any day or night - at any time - either by phone, e-mail or fax.
  • Just one phone call and we can coordinate emergency plumbers, glaziers and locksmiths to ensure your customers aren’t left in a vulnerable position.
  • All work undertaken by our approved network is guaranteed for 12 months.
  • We can quickly appoint loss adjusters.
  • Our response plan to handle damage caused by extreme weather is tried and tested.
Report new claims

Reported claims

Your reported claims are in expert hands.

  • Our expert team solely handle household claims.
  • We have a network of over 2,000 approved local tradesmen to get your customers back to normal.
  • We’ll fast-track payments for straightforward claims.
  • We replace contents on a new-for-old basis, except for clothing and linen, and coordinate this through our own network of high street brands.
  • Customers can choose from a range of settlement options.
Manage reported claims

Service channels

  • Quote and buy through our Personal e-services platform
  • By phone with our Personal Lines Centre of Excellence on 0800 096 8104
  • This product may be available on your usual Software House. Please contact them for details.

Cross-sell products

  • Private Car – A long-established, flexible product offering optional covers to help tailor the policy to your client’s needs.

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