Protection for damage to physical property, located in the Channel Islands, as well as its permanent fixtures and fittings. Cover for your high net worth goods, furnishings, personal possessions and other items which belong to you or any member of your household. All delivered through local underwriting capability and claims handling.
What we cover
Buildings, including:
Rent and alternative accommodation
Trace and access - escape of water or oil
Re-landscaping of gardens
Clearance of drains
Property owner’s liability
Pairs and sets
Acquired disability
Optional Open Market top-up
Contents (includes unspecified personal possessions), including:
New acquisitions - up to 20% of total contents sum insured or £50,000 (whichever is the lesser), up to 45 days from purchase date
Wedding Gifts
Unspecified personal possessions - 40% of the contents sum insured, subject to a £5,000 single item limit
Student possessions
Personal liability up to £5,000,000
Employer’s liability up to £10,000,000
Pairs and sets
Hole-in-one cover
Fine Art and Antiquities, including:
New acquisitions - up to 25% of total sum insured or £150,000 (whichever is the lesser) up to 45 days from purchase date
Death of artist provision
Pairs and sets
Precious Metals, including:
New acquisitions - up to 25% of total sum insured or £75,000 (whichever is the lesser) up to 45 days from purchase date
Death of artist provision
Pairs and sets
Personal Possessions (specified items), including:
New acquisitions - up to 25% of the total sum insured or £50,000 (whichever is the lesser), up to 45 days from purchase date
Money up to £5,000
Credit Cards up to £25,000
Pairs and sets
Additional benefits
Holiday Travel
For members of the Insured household under 70 years of age at the time of travelling including:
Personal accident cover up to £50,000
Medical expenses up to £5,000,000
Cancellation and curtailment - unlimited
Travel delays
Missed departure
Lost passport indemnity
Personal liability up to £5,000,000
Legal expenses
Underwritten by DAS Legal Expenses Insurance Company Limited - £50,000 limit.
Compare cover
Home insurance cover levels!
Household buildings and contents cover
Legal Liabilities
Up to £2m.
Alternative accommodation
Up to 25% of total sum insured.
Locks and keys
Cover if keys are stolen and locks need replacement.
Freezer food
The loss of food if your freezer breaks down.
Working from home (clerical)
Personally owned computer and clerical equipment.
Student possessions
Covered for up to £500 single item and £2,500 any one occurrence.
Water leaks
Water and oil leaks covered as standard.
Trace and access
PPP buildings and contents cover
Legal Liabilities
Up to £2m.
Alternative accommodation
The total cost of reasonable alternative accomodation during any insured works.
Locks and keys
Stolen or accidentally lost up to £1,000.
Freezer food
The loss of food if your freezer breaks down.
Working from home (clerical)
Personally owned computer and clerical equipment.
Student possessions
Covered for up to £1,000 single item and £7,500 any one occurrence.
Water leaks
Water and oil leaks covered as standard.
Trace and access (fix damage caused by a leak)
Coves both water and oil up to a maximum of £25,000 per occurrence.
Special Covers!
Household buildings and contents cover
Special event
Gifts and or wedding gifts – during December and for one month before and one month after the wedding of a member of your household – up to 20% increase on your contents sum insured.
Fine art and antiques
Precious metals
Small craft
Caravan cover
Horses and Ponies
Travel Cover
PPP buildings and contents cover
Special event
Gifts and or wedding gifts – during December and for one month before and one month after the wedding of a member of your household – up to 20% increase on your contents sum insured.
Fine art and antiques
New acquisitions - up to 25% of total sum insured or £150,000 (whichever is the lesser) up to 45 days of purchase date.
Precious metals
New acquisitions - up to 25% of total sum insured or £75,000 (whichever is the lesser) up to 45 days from purchase date.
Small craft
Up to a value of £2500.
Caravan cover
Fixtures and fittings, awnings, furniture, furnishings and utensils, recovery and re-delivery and loss of use provision.
Horses and Ponies
Animal(s) and equipment cover
Travel Cover
For members of the Insured household under 70 years of age at the time of travelling