provides protection for the building making up your home.
the correct value to insure is the rebuilding value, which reflects the amount you would need to spend to rebuild your property and finish it to its present state, without including the value of the land.
Contents Section
protects your home contents in the event of accidental damage.
cover is generally based on a ‘replacement value’ basis.
the value to insure represents the purchase cost of a new similar item today.
This form will help you to establish the correct total contents value for your insurance. Note: this form is not required by insurers – it is merely a guide for you.
Personal Belongings (All Risks) Section
Covers your jewellery and other specified items on an ‘All Risks’ basis even when they are not inside the home
Each item needs to be listed and a valuation or receipt obtained.
can be extended to cover the items throughout Europe, or Worldwide.
Liability Section
automatically covered when you insure your home buildings.
covers your liability to third parties, neighbours, or guests
provides protection for your luggage, legal liabilities, reasonable costs incurred if your luggage is delayed, personal accident and medical expenses incurred whilst overseas.
other additional benefits included as standard.
most insurers provide three different levels of cover, with set limits and/or sums insured, and with pre-established premiums.
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