Home Insurance

Protect your home and belongings

 

We tailor your level of cover to your specific requirements and promise to be here when you need us most. Which is why over 90% of our members renewed their home insurance with us last year.

Call us on 0800 032 2610 or get an online quote

Benefits Important Information

Home Insurance Benefits

  • Interest free monthly payment option.
  • £55,000 contents cover as standard (including contents in outbuildings).
  • £500,000 buildings cover as standard (including outbuildings).
  • 24 hour UK based claims line and emergency helpline.
  • Paid for emergency accommodation.*
  • Automatic £3,000 increase in contents cover for wedding and religious festival gifts.
  • Domestic emergency call out cover as standard.*
  • Optional extras such as sports cover package are available.

Calculate the value of all of your possessions  - the results may surprise you!

Police Mutual home insurance is arranged and administered by Roland Smith Limited through Aviva Insurance Limited for policies starting on or before 31st May 2013 or Royal & Sun Alliance Insurance PLC (RSA) for policies starting on or after 1st June 2013.

*Subject to Terms and Conditions.

Product Summary

Excess • £60 excess for most claims (but note that the excess is £1,000 for buildings subsidence claims).
Payment Options Annual or interest free monthly payment options.

This could suit you if you want:

  • To protect your home and/or your personal belongings.
  • An interest free monthly payment option.*
  • A 24/7 service to help you in case of a claim or emergency.*

* subject to terms and conditions

Other things you should know

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Can I pay monthly?

You can pay your premiums monthly by Direct Debit if you want to. And unlike many other insurers, we won't charge you extra on top of your normal yearly premium.

How much cover do I need?

Contents

You need to think about all the things you have within your home and how much it would cost to replace them as new. Check your receipts and prices of items as you'll probably be surprised how much it will add up to.

We provide £55,000 contents cover as standard (including contents in outbuildings).

Buildings

You need to work out how much it would cost to rebuild your home. Consider things such as demolition costs, surveyor's fees and the actual cost to rebuild your home.

We provide £500,000 buildings cover as standard (including outbuildings).

How do I make a claim?

Just call our UK based claim line which is open 24 hours a day 365 days a year. The number you need to dial is dependant on the time you call.

0845 603 4325 Mon - Fri 8.30am - 6.00pm and Sat 9am - 1.00pm

0845 301 2179 All other times

How do I change my policy?

If you need to make a change such as a change of address or requiring a new level of cover, just call our UK based help line and we'll be happy to help.

If there is a change in your premium we'll let you know.

Call us on 0800 032 2610 (Mon - Fri 8.30am - 6.00pm and Sat 9am - 1.00pm)

How do I cancel my policy?

If you need to cancel your policy, just call our UK based help line and we'll be happy to help.

Call us on 0800 032 2610 (Mon - Fri 8.30am - 6.00pm and Sat 9am - 1.00pm)

What does Buildings insurance cover?

Buildings are the structure of your home including outbuildings such as garages and sheds, including their permanent fixtures and fittings e.g bathrooms and fitted kitchens.

What does contents insurance cover?

Contents are the items you use to furnish your home such as carpets and furniture also including all your personal belongings e.g. jewellery and clothing.

How do I cover any items I take away from the home?

You can add them to the personal possession section of your contents quote, which covers accidental loss, damage or theft cover to any of your personal belongings (such as jewellery items, cameras and mobile phones) worldwide.

 Our minimum cover is £2,000, with no single item worth more than £1,500. If you have a single item worth more than this amount, it needs to be specified on your policy, which can be done when you obtain a quote.

What is a valuable?

When we refer to "valuables" we mean:

  • Stamp, coin or medal collections
  • Pictures
  • Other works of art
  • Items of gold, silver or any other precious metal
  • Jewellery
  • Furs
What is the difference between standard and accidental damage?

Standard cover insures against the main perils such as fire, theft and escape of water.

Under buildings insurance we automatically include accidental damage to sanitary fixtures, underground pipes and cables and fixed glass.

Under contents insurance we automatically include accidental damage to audio/visual equipment including TV's, Hi-Fi's and desk top computers.

Extended accidental damage is available as an extra under both buildings and contents insurance to cover any damage that may be caused by you or your family including examples such as putting a nail in a wall and bursting a pipe, or spilling wine or paint on your carpet.

What is covered by Home Emergency Cover?

Home Emergency Cover provides immediate assistance for a number of domestic emergencies.

Cover is provided 24 hours a day, 365 days a year and will pay up to £300 for parts , materials and labour charges. Emergency situations that may arise include the breakdown of the main heating supply, plumbing and drainage problems, loss of domestic power supply and roof damage.

Can my child's belongings be covered at University?

We automatically provide cover up to £5000 for your child's belongings kept within temporary accommodation while at university. Cover can extend to outside the accommodation if personal belongings cover is selected.

What are buildings or contents pairs, sets, and suites?

We give you the option to upgrade your cover to ensure that if part of a pair, set or suite is damaged, lost or stolen, we will pay the cost of replacing any undamaged items if they cannot be matched. Under the buildings section this would cover your bathroom and kitchen. The contents section will include items such as a 3 piece suite or dining room furniture.

What if the cover does not suit my needs?

If this policy does not meet your requirements, our specialist advisors will be happy to discuss your needs. Please call us on 0800 032 2610 between 08.30 and 18.00 Monday to Friday and 09.00 and 13.00 on Saturday.

How can I pay for my policy?

We offer interest free monthly payments by direct debit. Payment can also be made in full by debit or credit card (we are unable to accept payment with American Express).

What does Family Legal Protection cover?

Family legal protection helps protect you and your family should you need to pursue or defend your legal rights. It is designed to help in a number of situations including

  • The sale or purchase of goods and services.
  • If your identity is used by another person to commit fraud or other crimes.
  • If you have an employment dispute such as a claim for unfair dismissal or redundancy, or if during the course of your employment a criminal charge is or could be brought against you.
  • Pursuing a claim for death or injury against a negligent third party
  • Disputes with your neighbours regarding a boundary dispute, noise or other legal nuisance

Please note: The cost of legal cover (£20.14 including insurance premium tax) will be included within the quote if the option is selected.