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Summary of Cover

Loss or damage from specific events e.g. fire, theft, storm, flood, subsidence, escape of water etc Up to £500,000 rebuilding costs
Accidental damage e.g. putting your foot through a ceiling Optional
Property owner’s liability Up to £2m plus legal costs
Loss of rent and the cost of alternative accommodation Up to £20,000
Accidental breakage of fixed glass in doors, windows and greenhouses, sanitary fittings and solar panels Yes
Accidental damage to underground pipes, drains and cables Yes
Cover for domestic outbuildings, including sheds, garages and greenhouses Yes
Architects’, surveyors’, consultants’ and legal fees; costs of debris removal and of local authority requirements Yes
Legal expenses cover Up to £50,000 as standard
Legal advice helpline Yes
HomeRescue Plus cover Optional
HomeRescue helpline Yes
Loss or damage from specific events e.g. fire, theft, storm, flood, subsidence, escape of water etc Up to the sum insured on contents †
New for old replacement of items (except household linen and clothing) Yes
Theft from domestic outbuildings Up to £2,000
Accidental damage e.g. spilling paint on a carpet Optional
Personal and occupier’s liability Up to £2m plus legal costs
Tenant’s liability Up to 20% of the sum insured on contents
Liability for rent and the cost of alternative accommodation Up to 20% of the sum insured on contents
Office equipment in the home e.g. computers, office furniture, fax machines, printers Up to £5,000
High risk items e.g. jewellery, watches, TV’s, cameras (limit of £2,000 per article, pair, set or collection) Limit selected by you
Personal money in the home Up to £250
Fraudulent use of credit cards following theft from the home Up to £250
Contents in the garden Up to £500
Food in the freezer Up to £1,000
Replacement external locks following theft of door keys Up to £500
Accidental damage to computer equipment (but not portable items such as laptops), TV's, videos, DVD players etc Yes**
Accidental breakage of mirrors, fixed glass in furniture and ceramic in hobs Yes
Visitors’ personal belongings (limit per visitor) Up to £500
Contents temporarily away from the home Up to 20% of the sum insured on contents*
Student belongings away from the home Up to £5,000*
10% increase in the sum insured on contents around religious events or festivals and family weddings, civil ceremonies or birthdays Yes
Loss or damage to contents caused during household removal by professional removal contractors Yes*
Cost of preparing new title deeds due to loss or damage Up to £500
Loss of oil or metered water Up to £1,000
Fatal injury in the home £5000
Unspecified Personal Possessions cover Optional
Legal expenses cover Up to £50,000 as standard
Legal advice helpline Yes
HomeRescue Plus cover Optional
HomeRescue helpline Yes

† Subject to limits on high risk items, office equipment and domestic outbuildings
*   Subject to limits on high risk items and office equipment
**  Subject to limits on high risk items and computer equipment used for business purposes

For further details of terms, exclusions and limitations - please refer to the policy document.

Home Emergency Cover is provided on behalf of Co-op Insurance by AXA Assistance (UK) Ltd; Registered in England and Wales under company number 02638890. Registered Office: The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PR. AXA Assistance (U.K.) Limited is authorised and regulated by the Financial Conduct Authority under register number 439069.

Home Legal Expenses cover is underwritten by CIS General Insurance Limited, with the legal services provided by Co-op Legal Services, a trading name of Co-operative Legal Services Limited; registered in England and Wales under company number 05671209. Registered office: 1 Angel Square, Manchester M60 0AG. Co-op Legal Services is authorised and regulated by the Solicitors Regulation Authority under registration number 567391. Co-op Legal Services' professional rules are set out in the SRA Code of Conduct. The SRA Handbook, which includes the SRA Code of Conduct, is available online at www.sra.org.uk/handbook.

Calls may be monitored or recorded for security and training purposes. First notification of a claim outside of normal working hours will be answered in Eire.