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Median home insurance is specifically designed for homeowners who are unsure of the level of contents cover they require and who live in a home with up to four bedrooms.  It’s a clear, concise, value for money policy that covers everything you need, from damage caused by a burst pipe to the theft of a PC. 

Also included is the option to include buildings insurance at a very competitive price.

Exclusive Offers

·          14 months cover for the price of 12

This one speaks for itself.  To reward your loyalty after enjoying a year’s cover with us, we’ll give you the next two months free, with absolutely no drop in your level of cover.

·          A fairer deal on No Claims Discount                    

You can spend years building up your No Claims Discount and with one claim, some insurance companies take it all away.  We don’t think that’s fair, so depending on the size,    type and frequency of claim(s), we offer a step back approach where your hard-earned no claims discount is not lost altogether.

·          Separated No Claims Discount                

If you take combined cover (Buildings and Contents), not only will you receive a discount for doing so, we’ll also ensure they’re treated as two separate policies, so if you claim on one, it doesn’t affect the other.

Discounts

·          First Time Buyers discount

·          Up to 5+ years No Claims Discount

·          Security and Neighbourhood Watch Schemes

·          Age of owner discount

·          Age of property discount 

·          Combined policies discount (buildings & contents)

Buildings Cover

·          All standard perils covered

·          Basic Accidental Damage with optional upgrade to Full

·          Subsidence excess of £1,000

·          Tracing and access cover up to £5,000

·          60 days unoccupancy terms

·          Loss of rent/alt. accom. is 20% of SI (up to 24 months) 

·          Legal liability of £2,000,000

Contents Cover

·          Automatic cover up to £55,000

·          Basic Accidental Damage with optional upgrade to Full

·          2,000 away from home cover - worldwide

·          Valuables cover based on bedrooms        1-2 bedrooms    £8,000

3 bedrooms       £10,000

4 bedrooms       £12,500

(Item limit £2,000)

·          Free £3,000 uplift in Contents Sum Insured for Religious Festivals and Weddings.

·          Theft of money up to £750

·          Fraudulent use of bank cards up to £1,000

·          Freezer contents up to £1,000

·          Theft of cycles up to £500 per cycle

·          Property left in open up to £1,000

·          Outbuildings contents up to £2,500

·          Office equipment in the home up to £5,000

·          Replacement locks up to full contents SI

·          Cover for child at University up to £5,000 (Item Limit £1,500) 

·          Theft from unattended vehicles up to £1,000

Added value options

·          Legal Expenses

·          Mortgage Payment Protection