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What you're covered for

Contents cover (new for old)	You're covered up to:	Excess
Home contents - at home	Sum insured	System driven
Contents temporarily removed	Up to 20% of the contents sum insured
Valuable with a single article limit of £2,500	Up to 1/3 of the contents sum insured
Personal money	£500
Contents removed to the garden	£1,000
Contents in garage or other outbuildings	£5,000
Replaced locks	£500
Food in the deep freezer	£1,000
Accidental loss of heating fuel and metered water	£1,000
Liability to public	£2,000,000
Employers' liability	£10,000,000
Cost of alternative accommodation	Up to 20% of the contents sum insured
Accidental damage cover for television, video, audio, home computer equipment, mirrors and fixed glass	Automatic cover up to the value of the damaged item
Christmas gifts	Increase of 10% from 1st Dec to 15th Jan
Wedding gifts	Increase of 10% 30 days before and after the event
Pedal Cycles - standard (Limited cover see Part A of policy for full details)	£500
Pedal Cycles - optional (Extra cover see Part C of policy for full details)	£500
Full accidental damage cover - optional	Up to contents sum insured
Legal services cover - optional	£50,000

Buildings Cover	You're covered up to:	Excess
Cover against loss or damage from specific causes such as fire, theft, storm and flood	Buildings sum insured	System driven except a subsidence excess of £1,000
Cost of alternative accommodation	Up to 20% of buildings sum insured
Accidental damage to services and breakage of fixed glass and sanitary fittings	Up to buildings sum insured
Liability to the public	£2,000,000
Full accidental damage cover - optional	Up to buildings sum insured
Legal services cover - optional	£50,000

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