Home Insurance Excesses

An excess is a pre-agreed amount that you contribute towards the cost of a claim. For example, if you have storm damage to your roof that will cost £1,000 to repair and your policy has an excess of £100, you’ll be asked to pay the excess of £100 but can claim for £900 (the cost minus the excess). The excesses that apply to your policy will vary, depending on the covers you have selected and the excess amounts you’ve chosen.

The excess you choose will apply to all covers you select unless otherwise stated below. It’s important to note that by choosing a high excess level, you’ll restrict your ability to claim on some elements of your cover, such as accidental damage, where typical claims tend to be of lower value. Please ensure that your selected excess fully meets your needs before proceeding.

The tables below provide information on excesses payable under the different levels of cover we offer. If you have already purchased your cover with us your Policy Schedule will detail the excesses that will apply specifically to you.

If you've got both Buildings and Contents insurance with us and you need to claim under both for a single event, for example if a burst pipe damages both your ceiling and soft furnishings, you will only pay one excess (whichever is highest) for that claim.

Subsidence, heave, landslip and escape of water cover

Excess payable for Home Insurance

Excess payable for Home Insurance Premier

For any subsidence, heave and landslip claims

£1,000

£1,000

For any escape of water claims

£500 or your selected buildings excess, whichever is higher

Your selected buildings excess

For any subsidence, heave and landslip claims

Excess payable for Home Insurance

£1,000

Excess payable for Home Insurance Premier

£1,000

For any escape of water claims

Excess payable for Home Insurance

£500 or your selected buildings excess, whichever is higher

Excess payable for Home Insurance Premier

Your selected buildings excess

If you have a claim for subsidence, heave, landslip or escape of water then you will only have to pay the excess shown above, not any of the excesses below.

Private residence cover

Excess payable for Home Insurance

Excess payable for Home Insurance Premier

Private Residence Cover (including any claims for Replacement of Sets or Accidental Damage Cover)

Your selected buildings excess, except for the following items in this table

Your selected buildings excess, except for the following items in this table

Replacement locks and keys

£25

No excess to pay

Buildings – property owner’s liability

No excess to pay

No excess to pay

Private Residence Cover (including any claims for Replacement of Sets or Accidental Damage Cover)

Excess payable for Home Insurance

Your selected buildings excess, except for the following items in this table

Excess payable for Home Insurance Premier

Your selected buildings excess, except for the following items in this table

Replacement locks and keys

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

No excess to pay

Buildings – property owner’s liability

Excess payable for Home Insurance

No excess to pay

Excess payable for Home Insurance Premier

No excess to pay

Outbuildings cover

Excess payable for Home Insurance

Excess payable for Home Insurance Premier

Outbuildings Cover (including any claims for Replacement of Sets or Accidental Damage Cover)

Your selected buildings excess, except for the following items in this table

Your selected buildings excess, except for the following items in this table

Replacement locks and keys

£25

No excess to pay

Outbuildings Cover (including any claims for Replacement of Sets or Accidental Damage Cover)

Excess payable for Home Insurance

Your selected buildings excess, except for the following items in this table

Excess payable for Home Insurance Premier

Your selected buildings excess, except for the following items in this table

Replacement locks and keys

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

No excess to pay

Escape of water cover

Excess payable for Home Insurance

Excess payable for Home Insurance Premier

For any escape of water claims

£500 or your selected contents excess, whichever is higher

Your selected contents excess

For any escape of water claims

Excess payable for Home Insurance

£500 or your selected contents excess, whichever is higher

Excess payable for Home Insurance Premier

Your selected contents excess

If you have a claim for escape of water, then you will only have to pay the excess shown above, not any of the below excesses.

Private residence cover

Excess payable for Home Insurance

Excess payable for Home Insurance Premier

Private Residence Cover

Your selected contents excess, except for the following items in this table

Your selected contents excess, except for the following items in this table

Replacement locks and keys

£25

No excess to pay

Deeds and documents

£25

£25

Loss of water, domestic heating oil and gas

£25

£25

Money, cashcards, credit and debit cards

£25

£25

Freezer contents

£25

£25

Visitors’ belongings

£25

£25

Contents – occupier’s and public liability cover including:

No excess to pay

No excess to pay

- Occupier’s and public liability

No excess to pay

No excess to pay

- Employer’s liability

No excess to pay

No excess to pay

- Tenant’s liability

No excess to pay

No excess to pay

Private Residence Cover

Excess payable for Home Insurance

Your selected contents excess, except for the following items in this table

Excess payable for Home Insurance Premier

Your selected contents excess, except for the following items in this table

Replacement locks and keys

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

No excess to pay

Deeds and documents

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

£25

Loss of water, domestic heating oil and gas

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

£25

Money, cashcards, credit and debit cards

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

£25

Freezer contents

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

£25

Visitors’ belongings

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

£25

Contents – occupier’s and public liability cover including:

Excess payable for Home Insurance

No excess to pay

Excess payable for Home Insurance Premier

No excess to pay

- Occupier’s and public liability

Excess payable for Home Insurance

No excess to pay

Excess payable for Home Insurance Premier

No excess to pay

- Employer’s liability

Excess payable for Home Insurance

No excess to pay

Excess payable for Home Insurance Premier

No excess to pay

- Tenant’s liability

Excess payable for Home Insurance

No excess to pay

Excess payable for Home Insurance Premier

No excess to pay

Contents in outbuildings and in the open cover

Excess payable for Home Insurance

Excess payable for Home Insurance Premier

Contents in Outbuildings and in the Open cover

Your selected contents excess, except for the following items in this table

Your selected contents excess, except for the following items in this table

Replacement locks and keys

£25

No excess to pay

Deeds and documents

£25

£25

Loss of water, domestic heating oil and gas

£25

£25

Money, cashcards, credit and debit cards

£25

£25

Freezer contents

£25

£25

Visitors’ belongings

£25

£25

Growing trees, plants, shrubs and garden equipment in the open

£25

£25

Contents in Outbuildings and in the Open cover

Excess payable for Home Insurance

Your selected contents excess, except for the following items in this table

Excess payable for Home Insurance Premier

Your selected contents excess, except for the following items in this table

Replacement locks and keys

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

No excess to pay

Deeds and documents

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

£25

Loss of water, domestic heating oil and gas

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

£25

Money, cashcards, credit and debit cards

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

£25

Freezer contents

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

£25

Visitors’ belongings

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

£25

Growing trees, plants, shrubs and garden equipment in the open

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

£25

Personal belongings away from the home cover

Excess payable for Home Insurance

Excess payable for Home Insurance Premier

Personal belongings away from the home cover

Your selected contents excess, except for the following items in this table

Your selected contents excess, except for the following items in this table

Replacement locks and keys

£25

No excess to pay

Money, cashcards, credit and debit cards

£25

£25

Personal belongings away from the home cover

Excess payable for Home Insurance

Your selected contents excess, except for the following items in this table

Excess payable for Home Insurance Premier

Your selected contents excess, except for the following items in this table

Replacement locks and keys

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

No excess to pay

Money, cashcards, credit and debit cards

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

£25

Student contents away from the home cover

Excess payable for Home Insurance

Excess payable for Home Insurance Premier

Student contents away from the home cover

Your selected contents excess, except for the following items in this table

Your selected contents excess, except for the following items in this table

Deeds and Documents

£25

£25

Money, cashcards, credit and debit cards

£25

£25

Student contents away from the home cover

Excess payable for Home Insurance

Your selected contents excess, except for the following items in this table

Excess payable for Home Insurance Premier

Your selected contents excess, except for the following items in this table

Deeds and Documents

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

£25

Money, cashcards, credit and debit cards

Excess payable for Home Insurance

£25

Excess payable for Home Insurance Premier

£25

Pedal cycle cover

Excess payable for Home Insurance

Excess payable for Home Insurance Premier

Pedal Cycle Cover

Your selected contents excess

Your selected contents excess

Pedal Cycle Cover

Excess payable for Home Insurance

Your selected contents excess

Excess payable for Home Insurance Premier

Your selected contents excess

Specified items cover

Excess payable for Home Insurance

Excess payable for Home Insurance Premier

Specified Items Cover

Your selected contents excess

Your selected contents excess

Specified Items Cover

Excess payable for Home Insurance

Your selected contents excess

Excess payable for Home Insurance Premier

Your selected contents excess

Legal expenses cover

Excess payable for Home Insurance

Excess payable for Home Insurance Premier

Legal Expenses Cover

No excess to pay

No excess to pay

Property protection

£250 for any legal nuisance or trespass claim

£250 for any legal nuisance or trespass claim

Legal Expenses Cover

Excess payable for Home Insurance

No excess to pay

Excess payable for Home Insurance Premier

No excess to pay

Property protection

Excess payable for Home Insurance

£250 for any legal nuisance or trespass claim

Excess payable for Home Insurance Premier

£250 for any legal nuisance or trespass claim