Flood Protection

We've outlined the steps that you should take if you need to check for water or storm damage and you need to make a claim.
How to make a claim

If you need to know exactly what your home insurance covers, the quickest way is to check your policy documents. Here is a quick overview.

• Is your property uninhabitable or unsecured?
• Do you need to make us aware of any exceptional circumstances affecting you or someone you live with?
• If so, then please get in touch by calling 0345 165 5753 and we'll get you to the right person as soon as possible.

• This will depend on the cover you have. If you have buildings cover, in the event of a successful claim, any part of your building which has been damaged as a result of the extreme weather will be covered.
• If you have contents cover, then any damaged contents will be covered.
• Policy limits are shown in your policy documentation.
• Fences, gates, trees and hedges are not covered in the event of storm damage under your buildings cover. Please refer to your policy booklet as some garden items may be covered under contents cover if you have that.

In insurance, Buildings are defined as the property shown in your insurance schedule/statement of fact. They include the structure of your home, including any fixtures and fittings, garden walls, gates, decking, paths, drives, patios, permanent swimming pools built of brick, stone or concrete, permanently fixed hot tubs, solar panels, fully enclosed outbuildings and hard tennis courts.

• Unless otherwise agreed, outbuildings do not include:
• Any building which is not on a permanent foundation or base
• Tree houses
•  Inflatable buildings (whether over swimming pools or not)
•  Any structure which is made of canvas, PVC or any other non-rigid material

PLEASE NOTE: Carpets are considered contents.

This will depend on the cover you took out when you purchased your buildings policy.

Essentially, your standard buildings insurance policy will cover the cost of repairs to your home if it is damaged by an insured event such as theft, fire, flood and escape/leakage of water from pipes, storage tanks, etc. If you also purchased the optional add-on cover of Accidental Damage, that will cover you for other instances relating to accidental damage (which is damage that is unexpected and unintended, caused by something sudden and which is not deliberate).

There will be exclusions for each type of peril, so please refer to your home insurance policy booklet for full details of your cover.

Contents insurance will cover the items and valuables within your home that are not permanent features, fixtures or fittings of the building.

This will usually include things like your furniture, kitchen appliances, jewellery and entertainment systems.

Some items, such as carpets, may seem like buildings but are, in fact, considered contents.

If you are unsure what your item falls under and need to make a claim, get in touch with the Claims Team and they will be able to work this out for you.

This will depend on the cover you took out when you purchased your contents policy.

Essentially, your standard contents insurance policy will cover the cost of repairing or replacing the contents of your home if they are damaged by an insured event such as theft, fire, flood and leakage of water. If you also purchased the optional add-on cover of Accidental Damage, that will cover you for other instances relating to accidental damage (which is damage that is unexpected and unintended, caused by something sudden and which is not deliberate).

There will be exclusions for each type of peril, so please refer to your home insurance policy booklet for full details of your cover.

We understand that some customers like to stay in their own homes where possible, so we can provide facilities like temporary kitchens and bathrooms to enable you to do so. If you do have to leave the property, we will help you make those arrangements, whether this is staying with relatives or checking in to suitable alternative accommodation.