Take Your Pick Home Insurance

Your home and lifestyle is as individual as you are, and we believe that your home insurance should be just as personal. That’s why we’ve created Take Your Pick Home Insurance. It frees you to build a package policy that covers the things you love while only paying for what you need in two simple steps:

Choose your preferred level of Core Cover, which covers the structure of your house and selected contents
Build on this protection with our Extra Cover options – for specified items such as TVs, bikes, jewellery, etc

It’s worth noting that all Extra Cover options are not covered in the Core Cover, which means you only pay for the level of cover you really need.

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Next steps

Your Core Cover

First off, you need to choose which level of Core Cover works best for you. There are 3 options to choose from:

Core Buildings Only with £500,000 cover as standard
- This covers the actual structure of your home and will pay to repair it if it gets damaged by fire, flood, subsidence or a falling tree
Core Contents Only with £50,000 cover as standard
- This pays to replace lost or damaged contents if you are burgled or if your home is damaged by fire, flood or a storm
Core Building and Contents
- This combines the Core Buildings Only and the Core Contents Only giving you the best possible cover for both your home and possessions

Once you’ve decided on your base level, you can click here to select your Extra Cover options.

Your Extra Cover options

From clothes to camping kit and TVs to trees, our Extra Cover options help you to create a package that’s perfect for your lifestyle. Simply pick the options that are right for you from our extensive list. You can always add on in the future. So if you’re living in a flat now but move to a place with a garden, you can add garden cover then.

Technology and entertainment

For gadget lovers everywhere, this option covers you against accidental damage and loss, both inside and outside your home. This option covers:

TVs, DVD/video players/recorders, satellite dishes/receivers, aerials
CD players and recorders, radios
MP3 players, iPods, music downloads
Phones, mobile phones and fax machines
PCs, laptops, netbooks and printers
Musical instruments and accessories
Cameras and accessories

Personal items

Whether at home or out and about, this option lets you handpick cover for your lifestyle. We cover:

Jewellery, watches and medals
Camping and sports equipment
Bikes, wheelchairs and disability scooters
Spectacles, contact lenses and hearing aids
Credit, debit, cheque or cash dispenser cards
Money, cheques, gift tokens, travellers’ cheques, premium bonds
Pre-payment cards, postal or money orders, phone cards
Season or travel tickets

Garden

For the green-fingered out there, this option covers everything from garden furniture to shrubs, including:

Trees, plants, shrubs, hedges, lawns
Gardening equipment such as lawnmowers, shears, spades, etc
Garden furniture, barbecues and patio heaters
Play equipment
Water features, statues, pots, lights

Legal expenses

This option covers the costs of taking or defending against legal action, so you have the reassurance of professional advice if something goes wrong. This option covers:

Personal injury
Consumer protection
Employment disputes
Tax issues

Accidental damage

Accidents are bound to happen and this option lets you choose to add accidental damage to your buildings, your contents or both. We offer cover for:

Mirrors and glass (for Core Contents Only)
Fixed ceramic hobs and sanitary ware
Damage to your contents whilst being moved by a professional removal firm (for Core Contents Only)
Accidental loss of metered water (for Core Contents Only)

Home emergency assistance

We can help you get professional assistance quickly if you’re facing a home emergency, and we offer cover to make dealing with emergencies much less stressful, including:

Loss of heating, water or lighting
Plumbing or drainage problems
Removal of rats, mice, squirrels and wasp nests
Securing broken windows or doors
Emergency roof repairs
Overnight accommodation costs if your home can’t be lived in