Home insurance excesses

An excess is the amount that you have to pay 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 stated otherwise below. It’s important you know that by choosing a high excess amount, you’ll restrict your ability to claim on some parts of your cover where typical claims tend to be of lower value. For example, accidental damage. Please make sure that the excess you've chosen meets your needs.

The tables below show the excesses you will pay for claims under the different levels of cover we offer. If you already have your cover with us, your Policy Schedule will show the excesses that 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, you will only pay one excess (whichever is highest) for that claim. For example, if water from a burst pipe damages both your ceiling and soft furnishings.

  • Leaking water claims

    Escape of water cover

    Cover

    Home Insurance excess

    Home Insurance Premier excess

    Cover

    Leaking water

    Home Insurance excess

    £500 or your selected contents excess, whichever is higher

    Home Insurance Premier excess

    Your selected contents excess

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

    Contents - Private residence cover

    Private residence cover

    Cover

    Home Insurance excess

    Home Insurance Premier excess

    Cover

    Contents - Private residence cover (including Matching sets and Accidental damage if you have these covers)

    Home Insurance excess

    Your selected contents excess, except for:

    Home Insurance Premier excess

    Your selected contents excess, except for:

    Cover

    Locks and keys

    Home Insurance excess

    £25

    Home Insurance Premier excess

    No excess

    Cover

    Documents

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Cover

    Metered water, oil, or liquid petroleum gas

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Cover

    Money

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Cover

    Credit & debit cards

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Cover

    Damage to frozen food

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Cover

    Visitors' belongings

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Cover

    Personal legal responsibility

    Home Insurance excess

    No excess

    Home Insurance Premier excess

    No excess

    Cover

    Employer's responsibility for domestic staff

    Home Insurance excess

    No excess

    Home Insurance Premier excess

    No excess

    Cover

    Protection for tenants

    Home Insurance excess

    No excess

    Home Insurance Premier excess

    No excess

    Contents in outbuildings and in the open cover

    Contents in outbuildings and in the open cover

    Cover

    Home Insurance excess

    Home Insurance Premier excess

    Cover

    Contents in outbuildings and in the open cover (including Matching sets and Accidental damage if you have these covers)

    Home Insurance excess

    Your selected contents excess, except for:

    Home Insurance Premier excess

    Your selected contents excess, except for:

    Cover

    Locks and keys

    Home Insurance excess

    £25

    Home Insurance Premier excess

    No excess

    Cover

    Documents

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Cover

    Metered water, oil, or liquid petroleum gas

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Cover

    Money

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Cover

    Credit & debit cards

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Cover

    Damage to frozen food

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Cover

    Visitors' belongings

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Cover

    Garden equipment, trees and plants in the open

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Personal belongings away from the home cover

    Personal belongings away from the home cover

    Cover

    Home Insurance excess

    Home Insurance Premier excess

    Cover

    Personal belongings away from the home cover

    Home Insurance excess

    Your selected contents excess, except for:

    Home Insurance Premier excess

    Your selected contents excess, except for:

    Cover

    Locks and keys

    Home Insurance excess

    £25

    Home Insurance Premier excess

    No excess

    Cover

    Money

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Cover

    Credit & debit cards

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Students' contents away from home cover

    Student contents away from the home cover

    Cover

    Home Insurance excess

    Home Insurance Premier excess

    Cover

    Students' contents away from home cover

    Home Insurance excess

    Your selected contents excess, except for:

    Home Insurance Premier excess

    Your selected contents excess, except for:

    Cover

    Locks and keys

    Home Insurance excess

    £25

    Home Insurance Premier excess

    No excess

    Cover

    Money

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Cover

    Credit & debit cards

    Home Insurance excess

    £25

    Home Insurance Premier excess

    £25

    Pedal cycle cover

    Pedal Cycle cover

    Cover

    Home Insurance excess

    Home Insurance Premier excess

    Cover

    Pedal cycle cover

    Home Insurance excess

    Your selected contents excess

    Home Insurance Premier excess

    Your selected contents excess

    Specified items cover

    Specified Items cover

    Cover

    Home Insurance excess

    Home Insurance Premier excess

    Cover

    Specified Items Cover

    Home Insurance excess

    Your selected contents excess

    Home Insurance Premier excess

    Your selected contents excess

    You may want to save or print a copy of this page for your records.

  • Legal Expenses cover

    Legal expenses cover

    Cover

    Home Insurance excess

    Home Insurance Premier excess

    Cover

    Legal Expenses cover

    Home Insurance excess

    No excess

    Home Insurance Premier excess

    No excess

    You may want to save or print a copy of this page for your records.

Subsidence, heave, landslip and leaking water claims

Subsidence, heave, landslip and leaking water claims

Cover

Home Insurance excess

Home Insurance Premier excess

Cover

Subsidence, heave and landslip

Home Insurance excess

£1,000

Home Insurance Premier excess

£1,000

Cover

Leaking water

Home Insurance excess

£500 or your selected buildings excess, whichever is higher

Home Insurance Premier excess

Your selected buildings excess

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

Buildings - Private residence cover

Private residence cover

Cover

Home Insurance excess

Home Insurance Premier excess

Cover

Buildings - Private residence cover (including Matching sets and Accidental damage if you have these covers)

Home Insurance excess

Your selected buildings excess, except for:

Home Insurance Premier excess

Your selected buildings excess, except for:

Cover

Locks and keys

Home Insurance excess

£25

Home Insurance Premier excess

No excess

Cover

Home owner’s legal responsibility

Home Insurance excess

No excess

Home Insurance Premier excess

No excess

Outbuildings cover

Outbuildings cover

Cover

Home Insurance excess

Home Insurance Premier excess

Cover

Outbuildings cover (including Matching sets and Accidental damage if you have these covers)

Home Insurance excess

Your selected buildings excess, except for:

Home Insurance Premier excess

Your selected buildings excess, except for:

Cover

Locks and keys

Home Insurance excess

£25

Home Insurance Premier excess

No excess

You may want to save or print a copy of this page for your records.