[x close]

You ChooseHome Insurance

Only pay for the cover you need - when it comes to buildings and contents insurance, one size doesn't always fit all. That's why we've developed our Home Insurance cover - 'You Choose'.

How does it work?

You are more in control of how much cover you take and, consequently, how much you pay for it.

For too long home insurance has been sold as a 'standard package' that doesn't take into account differing needs and lifestyles. For example, many home insurance policies include cover for gardens but what if you live in an apartment? Why pay for cover for something you don't even have?

That's where You Choose Home Insurance comes in.

1. Core Cover

With You Choose Home Insurance, the first step is to decide on the type of Core Cover you need.

There's a choice of three cover options:

  1. Core Buildings only
  2. Core Contents only
  3. Combined Core Building & Contents

2. Extra Cover Options

Once you've decided on the Core Cover, add your choice of Extra Cover Options. There are a number of these, depending on your needs. You may find that not all of the Extra Cover Options will suit your circumstances. You can design your policy around you and your family's lifestyle.

The Extra Cover options are:

  • Technology and Entertainment
  • Personal Items
  • Garden
  • Accidental Damage
  • Home Emergency
  • Legal Expenses

Important Information

Exclusions and limitations will apply to all Extra Cover Options you take. You can get full details about what's covered and what's not, including any limits that apply, when you get a quote.

As an intermediary, we act on your behalf in arranging your insurance. Your insurance will be underwritten and administered by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

You Choose Cover Selector

Choose the cover you need using our interactive Cover Selector.

back to top

Core Cover

1. Core Buildings Only

  • The Core Buildings Only option provides £400,000 worth of cover as standard
  • It covers the structure of your home and would pay out to repair or rebuild your home if damaged, for example, by a fire, flood or falling tree

2. Core Contents Only

  • The Core Contents Only option provides £50,000 of cover as standard
  • It protects the things you own in your home. For example, if you were burgled and items were taken or you suffered a fire in your home, your Core Contents insurance would pay out to help replace your lost or damaged contents
  • It covers items such as furniture, carpets, curtains and free-standing white goods - for example, fridges, cookers and dishwashers

Note: Core Contents cover does not cover items that are included in the Extra Cover Options for example, jewellery or televisions.

3. Core Buildings & Contents Cover

This Core option combines all elements of Core Buildings Only and Core Contents Only.

There's more cover than you might expect

Depending on the Core Cover Option you choose, these benefits are included at no extra cost:

  • 'New for old' cover on items that are stolen or damaged
  • Cover for replacement locks and keys if stolen, lost or damaged
  • Contents cover automatically increases by £3,000 for items purchased for religious festivals, such as Christmas presents
  • Increase in cover for wedding gifts when you get married
  • Financial help if your home cannot be lived in, for example after a fire or flood.

Important Information

Please note: there are limitations and exclusions with all home insurance policies. Further details are available when you get a quote

As an intermediary, we act on your behalf in arranging your insurance. Your insurance will be underwritten and administered by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

You Choose Cover Selector

Choose the cover you need using our interactive Cover Selector.

back to top

Extra Cover

1. Technology and Entertainment

Available with:

  • Core Buildings & Contents
  • Core Contents only

Covers:
Technology and entertainment items in your home such as televisions, DVD players, satellite and digital receivers, music players, laptops, desktop computers, mobile phones, CDs, DVDs, game consoles and much more.

Benefits:

  • The standard level of cover offered by this option is £500 and this can be increased up to £15,000 to reflect your needs.
  • Items included in this option are automatically covered for accidental damage.
  • Portable items are automatically covered if taken outside the home.

2. Personal Items

Available with:

  • Core Buildings & Contents
  • Core Contents only

Covers:
Items such as jewellery, watches, medals, money, credit cards, sports equipment, pedal cycles, camping equipment and wheelchairs/electric scooters for the infirm or disabled.

Benefits:

  • The standard level of cover offered by this option is £500 and this can be increased up to £25,000 to reflect your needs.

3. Garden

Available with:

  • Core Buildings & Contents
  • Core Contents only

Covers:
Items such as trees, shrubs, plants, hedges, lawns, gardening equipment and garden furniture.

Benefits:

  • The standard level of cover offered by this option is £500 and this can be increased up to £10,000 to reflect your needs.
  • It also covers items that are left in the garden, such as patio heaters or children's outdoor toys.

4. Accidental Damage

Available with:

  • Core Buildings & Contents
  • Core Buildings only
  • Core Contents only

Covers:
Accidental damage to either your building, or its contents, or both.

Benefits:

  • Ideal for families with young children, DIY enthusiasts or anyone looking for extra peace of mind.

5. Home Emergency Assistance

Available with:

  • Core Buildings & Contents
  • Core Buildings only
  • Core Contents only

Covers:
The cost of emergencies such as failure of the electricity supply, repairs to the plumbing or drainage system or the removal of vermin. It also helps with the cost of accommodation if you're unable to live in your home.

Benefits:

  • Up to £500 of cover per claim as standard
  • Provides a rapid response from specialist approved tradesmen, 24 hours a day, 7 days a week
  • All work carried out is fully guaranteed.

6. Legal Expenses

Available with:

  • Core Buildings & Contents
  • Core Buildings only
  • Core Contents only

Covers:
The costs of taking or defending legal action for

  • Personal injury - proceedings against another person or organisation as a result of an event which causes your injury, or death
  • Consumer protection - in relation to the sale or purchase of goods
  • Residential - in relation to your home
  • Employment - in relation to your employment or employer
  • Tax - a representative acting for you in a full enquiry by HM Revenue and Customs into your income and records.

Benefits:

  • Up to £50,000 of cover as standard.

Important Information

The maximum cover available across Personal Items, Technology & Entertainment and Garden options is £30,000.

For more details on the Core Cover and Extra Cover Options, please use the Cover Selector

Exclusions and limitations will apply to all Extra Cover Options you take. Further details are available when you get a quote

As an intermediary, we act on your behalf in arranging your insurance. Your insurance will be underwritten and administered by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

You Choose Cover Selector

Choose the cover you need using our interactive Cover Selector.

back to top

You Choose Cover Selector

back to top

Getting or retrieving a quote

Before you get a quote

Exclusions and limitations will apply to all Extra Cover Options you take. You can get full details about what's covered and what's not, including any limits that apply, when you get a quote.

As an intermediary, we act on your behalf in arranging your insurance. Your insurance will be underwritten and administered by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Getting a new quote

Get a quote online

Get a new quote using our application form.

OR, retrieving an existing quote

Retrieve a quote online

To retrieve an existing quote online, login using your email address and PIN.

back to top

Make a claim

Before you make a claim

The call centre you deal with is based right here in the UK and the staff are highly experienced in dealing with all types of queries and claims.

A personal claims handler will be appointed to work on your claim and to provide you with a single point of contact throughout the claims process. They will be able to answer your questions and give you the information you need to ensure that making a claim is straightforward, quick and hassle free.

Call to make a claim

Speak to a friendly adviser about your claim.

  • 8am - 8pm: Mon to Fri
  • 8am - 4pm: Sat
0845 0727 147*

As an intermediary, we act on your behalf in arranging your insurance. Your insurance will be underwritten and administered by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

back to top

Get in touch

Visit a branch or agency

Enter a town, city or postcode to find your nearest branch.

Call us

  • 8am - 8pm: Mon to Fri
  • 9am - 1pm: Sat
0845 1200 100*