• '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 policy that covers the things you love while only paying for what you need in two simple steps:

    1. Choose your preferred level of Core Cover, which covers the structure of your house and selected contents
    2. 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.

  • core-cover-options

    • Step 1
    • Step 2
    • Next steps
    • Key features

    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 select your extra home insurance 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


    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
    Want to find out more?

    Three ways to find out more
    Anyone with a home, whether owned or rented, can apply for 'Take Your Pick' Home Insurance. You don’t have to have a mortgage with us to benefit from this cover.
    Protecting your home and possessions is really easy and there are a number of ways to find out more information.

    • Call and speak to one of our advisers
      0344 481 4444
    • Visit your local branch
      Find your local branch
    • Get a quote online
      It will only take a few minutes to get an online quote and it could save you money.
      Get a quote (opens in new window)
    • To retrieve a quote
      If you have previously used our online service, click below to retrieve your saved quote.
      Retrieve quote (opens in new window)

    This is only a guide to 'Take Your Pick' Home Insurance. For full details of the terms and conditions of the cover you should refer to the policy document.

    Key features
    • 0% APR if you choose to pay monthly
    • Up to 20% no claims discount
    • A 5% introductory discount in the first year
    • A personal claims handler *
    • UK call centres

      * Excludes subsidence, legal assistance and home emergency assistance claims.

    Nottingham Building Society is a member of the Building Societies Association, the Council of Mortgage Lenders and Financial Ombudsman Service and is a participant in the Financial Services Compensation Scheme. Nottingham Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered under number 200785.

    Nottingham Building Society and Nottingham Property Services are introducers to Wren Sterling for investments, pensions and protection. Wren Sterling is a trading name of Wren Sterling Financial Planning Limited, which is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665653. Registered office: 5th Floor, Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. Registered in England No. 09157918.

    Nottingham Building Society’s home insurance is underwritten by Royal & Sun Alliance Insurance plc (no 93792). Registered in England and Wales at St Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Terms and conditions apply. For your protection, telephone calls may be recorded and monitored.

    Nottingham Mortgage Services is an appointed representative of Intrinsic Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 3089887. A wholly owned subsidiary of Nottingham Building Society. 

    HM Lettings Limited, registered in England and Wales number 8333273. A wholly owned subsidiary of Nottingham Property Services.

    Nottingham Building Society is an introducer to The Will Writing Company, part of the Estate Planning Group (Holdings) Ltd, for estate planning services. The Will Writing Company adheres to the Institute of Professional Willwriters Code of Practice which is endorsed by the Trading Standards Institute.

    The Prepaid Funeral Plan is provided by Dignity Pre Arrangement Limited. A company registered in England No. 1862158. VAT registered No. 486 6081 14. Registered Office: 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP. Tel: 0121 354 1557 Fax: 0121 355 8081. Part of Dignity plc. A British company. www.dignityfuneralplans.co.uk. Dignity Pre Arrangement Limited is regulated by the Funeral Planning Authority.

    Nottingham Building Society, Nottingham House, 3 Fulforth Street, Nottingham, NG1 3DL.

    Visit the Prudential Regulation Authority (opens in new window) or the Financial Conduct Authority website (opens in new window)


    © Nottingham Building Society 2015. All rights reserved.

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