This policy provides cover for damage and loss to your home, contents and also covers legal liability.
There are 3 different types of cover you can take out.
The standard two are;
Listed/Defined Events - This policy lists the events you are covered for in the policy wording. The events that are included are: Fire, storm/tempest, lightning, theft, impact, malicious damage and glass cover.
Accidental Damage - You are covered for the events listed under the listed/defined events policy wording plus it also covers you for accidental damage and cover for your contents outside the property.
The accidental damage policy is more superior to the listed/defined events policy.
Prestige/Classic Home - This policy is only available when your home and contents are of high value. Contents cover includes fine arts, collector items, expenive jewellry. Under this policy your contents are covered worldwide and has higher sub-limits per items then your standard listed events and accidental damage policy.