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.

  • 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

  • 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

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 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

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 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

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 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