Abbey Home Insurance

Abbey Home Insurance

Abbey has now rebranded as Santander. They offer some great deals and a range of benefits as well as separate buildings or contents cover policies or a joint policy.

There are also a number of add-ons available so you can choose the kind of cover you really need from this flexible policy.

Features

• Unlimited buildings cover for loss or damage to a property caused by certain events such as fire, storm or flood
• Contents cover for loss or damage to your belongings in the home caused by certain events such as theft or fire
• Combined buildings and contents cover
• Unlimited buildings sum insured, as standard
• Unlimited contents cover, or a £25,000 option for properties with 3 bedrooms or less
• Accidental damage is included as standard with contents insurance for damage to televisions and DVD players, and with buildings insurance for damage to fixed glass and sanitary ware.
• No interest charged if you pay your premiums monthly by Direct Debit.

Optional extras for your home insurance

For an additional cost, you could take advantage of:

Personal belongings cover

This provides a wider level of cover for your personal belongings, pedal cycles, money and credit cards for losses or damage in and away from the home, anywhere in the world.

Extra accidental damage cover

This provides additional cover for accidents around the home such as wine spilt on a carpet or sofa if you have contents cover or, if you have buildings cover, putting your foot through a ceiling when carrying out DIY.

Legal services cover

This could provide a lawyer and up to £50,000 in legal costs to pursue or defend disputes in court.

Home emergency cover

This provides up to £1,000 per claim to cover parts, labour and VAT. If there’s an emergency in your home that’s covered by the policy, an approved tradesperson could take care of the repairs.

Choosing Home Insurance

When you’re choosing your home insurance, there are many things to consider. We’ve narrowed down some of the key elements of home insurance which you should be looking for.

Is your property specialist?

If you own a listed building or if your property has an unusual feature such as a thatched roof, you may need specialist cover.

Do you need buildings and content cover?

It’s generally advised that you take out both but it does depend on your individual circumstances.

Does the policy provide enough cover for you?

All policies have their limits and it’s wise to make sure that your home is covered for the rebuild value rather than the market value. Cost your contents to make sure the policy will be enough to cover it all, most people vastly underestimate how much their home contents are worth.

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What excess are you able to pay?

Many home insurance policies come with excess charges, both voluntary and compulsory, so make sure your chosen provider’s excess policy works for you.