Building Insurance

• Save £££’s online with our home insurance policies
• Buildings, contents or combined insurance available
• Add on optional extras
• Low prices with great value insurance
• Flexible, comprehensive home insurance
• CCJ’s, bankruptcy or offenders acceptable
• Cover available for vacant property
• Non standard construction insurance available
• 9 out of 10 customers rate overall claims service as excellent

• Click on ‘Get Quotes’ above or alternatively call now on 01325 346 328 and Quote Ref: FV1

What’s covered

Cover for your property, possessions and more.

Damage to your property and possessions

• Caused by events such as fire, theft, subsidence and flooding
• Includes damage to garages and outbuildings and their contents

Cost of alternative accommodation (including loss of rent)

• We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
• And if you’re a landlord, we’ll also cover you for any lost rent while the property is uninhabitable

Liability protection for injuries or property damage

• If you’re legally liable as the homeowner or occupier or if you’re an employer of domestic services (eg a cleaner)

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

• Wet rot, dry rot or frost damage
• Damage that’s been caused over time
• Fences, gates or hedges damaged in a storm
• Claims for poor workmanship or faulty design

Take a look at our policy wording for full details of what’s not covered.

*10% of all customers buying home buildings and contents insurance with us from February 2018 to April 2018 paid £99 or less. The price you pay will depend on individual circumstances, cover choosen and payment method selected.

** Excludes optional covers. Minimum price applies.

What’s covered

Buildings cover – Up to £1 million for damage or loss to your walls, roofs, driveways and patios, as well as permanent fixtures such as kitchen units, bathroom fittings and fitted wardrobes.

Contents cover – Up to £50,000 for your household goods on a new-for-old basis, including furniture, carpets, home entertainment equipment, frozen foods and business equipment.

Trace and access – Up to £5,000 for cost of replacing any parts of the building that were damaged to help get to escaping water.

Alternative accommodation – Up to £40,000 (if you have combined buildings and contents insurance) towards alternative accommodation for you, your family and pets if your home is uninhabitable while it’s being repaired after an insured event.

24/7 emergency helpline

Optional upgrade to Home Plus or Select Premier Insurance, giving you cover for personal possessions , accidental damage, home emergency, family legal protection, professional fees

What’s not covered

Wear and tear, maintenance and routine decoration

Theft, vandalism or accidental damage caused by a paying guest or tenant

The cost of repairing or replacing items following a mechanical or electrical fault

Damage or theft if the house has been unoccupied for more than 60 days in a row

What’s covered

• A personal claims manager if you need to move out of your home due to a claim
• Worldwide protection for your credit cards, debit cards and cash up to £500
• Cover for underground pipes comes as standard, so any accidental damage to those you are responsible for between your property and the mains is taken care of
• No need to specify single items worth less than £2,500 such as jewelry and paintings kept within the home

What’s not covered

• Home cover does not include loss or damage to valuables, personal belongings and pedal cycles when away from the home (available with Saga additional cover options – Personal Belongings Cover and Specified Pedal Cycles Outside the Home Cover).
• Home cover does not include loss or damage to contents in student accommodation.
• Certain loss or damage when your home is lent, shared, let or sub-let.

What’s covered

• Pay monthly at no extra cost (0% APR Representative)
• No hidden admin fees
• Low standard excess of just £45‡
• ‘New for Old’ cover
• Choice of buildings or contents insurance or both
• Buildings insurance for up to £500,000†
• Contents insurance for up to £60,000
• Award-winning service^
• Home insurance designed for the needs of over 50s

What’s not covered

• Buildings Insurance – Loss or damage caused by weight of snow. Loss or damage to gates and fences caused by storm or flood.
• Contents Insurance – Loss or damage caused by weight of snow. Theft or attempted theft when your home or any part of it is lent, let or sublet to or occupied by someone who is not a member of your family, unless force causing damage to the main building of the home was used to get in or out of the building.
• General policy exclusions applicable to all sections and optional extras – Property more specifically covered by another policy of insurance. Any criminal or deliberate act by you or your family. Loss or damage caused by wear and tear, loss of value or lack of maintenance.

What’s covered

Cover for your garden and plants – up to £1,000 for landscaping and £1,000 for plants in total or £250 per plant

Legal advice line – helpline that’s open 24/7 so that you can talk to an expert about any legal questions or problems that are playing on your mind

Alternative accommodation – if an insured event leaves you without a roof over your head (limits apply)

12-month guarantee on all building works by our approved repairers

Up to £1,000,000 buildings insurance plus up to £50,000 contents insurance as standard

24-hour emergency helpline

Optional upgrades: cover for personal possessions , accidental damage, home emergency, family legal protection, professional fees (all included with Home Plus policy)

What’s not covered

Wear and tear, maintenance and routine decoration

Theft, vandalism or accidental damage caused by a paying guest or tenant

The cost of repairing or replacing items following a mechanical or electrical fault

Damage or theft if the house has been unoccupied for long period