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.
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Escape of water cover
Escape of water cover
Excess payable for Home Insurance
Excess payable for Home Insurance Premier
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
Private residence cover
Excess payable for Home Insurance
Excess payable for Home Insurance Premier
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
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
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
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
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
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
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
Pedal Cycle cover
Excess payable for Home Insurance
Excess payable for Home Insurance Premier
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
Specified Items cover
Excess payable for Home Insurance
Excess payable for Home Insurance Premier
Specified Items Cover
Excess payable for Home Insurance
Your selected contents excess
Excess payable for Home Insurance Premier
Your selected contents excess
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Legal expenses cover
Legal expenses cover
Excess payable for Home Insurance
Excess payable for Home Insurance Premier
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
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 |
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 PremierYour 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) |
Excess payable for Home InsuranceYour selected buildings excess, except for the following items in this table |
Excess payable for Home Insurance PremierYour 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 PremierNo excess to pay |
Buildings – property owner’s liability |
Excess payable for Home InsuranceNo excess to pay |
Excess payable for Home Insurance PremierNo 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) |
Excess payable for Home InsuranceYour selected buildings excess, except for the following items in this table |
Excess payable for Home Insurance PremierYour 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 PremierNo excess to pay |