If you bought your home insurance before 3 December 2020 this information is about your product

Buildings insurance

We can give a quote for houses built since 1850 in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man. We also include your outbuildings:

  • sheds
  • garages
  • greenhouses.

Our insurance includes cover against loss or damage from:

  • fire
  • theft
  • storm
  • flooding
  • subsidence
  • escape of water
  • accidental breakage of glass in doors, windows, greenhouses, sanitary fittings and solar panels.    

What we’ll pay out for accepted claims:

  • up to £2m legal costs for property owner’s liability
  • up to £500,000 rebuilding costs as standard
  • up to £50,000 alternative accommodation.

We do not cover damage caused by:

  • wear and tear

If your home is left empty for more than 60 days, we do not cover damage caused by:

  • vandalism
  • escape of water or freezing of the heating system
  • trace and access of leaks
  • theft
  • accidental damage.

Legal expenses cover

Our buildings insurance includes legal expenses that covers you for up to £50,000 for legal costs such as:

  • personal injury
  • contract disputes.

Co-op Legal Services manage all legal expense claims. We will only accept a claim if there is a 51% or more chance of making a recovery.

We'll not cover any legal costs unless we've agreed to these in advance.

Claims for civil disputes about nuisance or trespass have an excess to pay of £250.

Contents insurance

We cover the contents of homes in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man, including rented accommodation.

Our insurance also includes loss of or damage to your contents in your outbuildings:

  • sheds
  • garages
  • greenhouses.

Our insurance includes cover against loss or damage from:

  • fire
  • theft
  • storm
  • flooding
  • subsidence
  • escape of water.

What we’ll pay out for on accepted claims:

  • up to £2m plus legal costs personal and occupiers’ liability as standard
  • new for old replacement of items (except household linen and clothing)
  • up to £80,000 cover for your contents, depending on the amount for which your contents are insured
  • up to £2,000 theft from outbuildings
  • up to 20% of the amount for which your contents are insured, for alternative accommodation.

If you need more than £80,000 cover for your contents, please get in touch on 03457 46 46 46^.

We do not cover damage caused by:

  • wear and tear
  • anyone who is legally allowed to be in your home.

If your home is left empty for more than 60 days, we do not cover damage caused by:

  • vandalism
  • escape of water
  • theft
  • food in the freezer
  • garden contents
  • accidental damage.

Legal expenses cover

Our contents insurance includes legal expenses that covers you for up to £50,000 for legal costs such as:

  • personal injury
  • contract disputes.

Co-op Legal Services manage all legal expense claims. We will only accept a claim if there is a 51% or more chance of making a recovery.

We will not cover any legal costs unless we've agreed to these in advance.

Claims for civil disputes about nuisance or trespass have an excess to pay of £250.

How to make a claim

Make a home insurance claim online and one of our colleagues will be in touch.

If it's an emergency claim such as your home being unsafe, unsecure, uninhabitable, or you've lost essential amenities such as gas or electric, please call us on 0345 999 8888^.

You’ll need to tell us:

  • the name and address of all policyholders
  • your policy number
  • what was lost or damaged
  • when and how the incident happened
  • whether anyone was hurt.

Home emergency (HomeRescue Plus) claims

Call 0345 607 6472^ if:

  • your boiler, hot water system, central heating or main heating source breaks down
  • the gas or electricity supply in your home breaks down
  • you’ve lost all of the keys you need to get into your home.

Policy documents

 Home insurance - Your policy (sample document) (PDF - 739.22 KB)