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•  Home Insurance

If you don’t have any special requirements Your House offers simple and straightforward protection, with an excellent level of cover as standard. It could be the best choice for you if your home:

• has no more than four bedrooms;
• is of standard construction; and
• has Contents that would cost no more than £55,000 to replace.

Standard cover

• Contents up to £55,000 (including valuables).
• Accidental damage to televisions, stereos and home computers.
• Contents temporarily removed from your home including cover for students living away.
• Contents in outbuildings and in the open.
• Homeworking equipment.
• Replacement locks.
• Spoilage of food in the freezer.
• Loss of domestic heating fuel or metered water.
• Cost of alternative accommodation should your home become uninhabitable.
• Damage caused by emergency services.
• Occupiers’, Personal and Employer’s Liability.

Optional cover

• Buildings - Cover up to the sum insured selected, up to a maximum of £445,000.
• Personal Belongings - Covering your family’s belongings in and out of the home and while traveling abroad. You can insure your clothing, personal money, credit/debit cards and more.
• Additional accidental damage - Extends your Contents cover to include accidental damage to items such as carpets, furniture and household appliances.

And even more choice

On top of the great protection Your House provides, you can enhance your cover with a range of additional benefits and services:

• Travel insurance, home or abroad, summer or winter;
• Family Legal Protection;
• Norwich Union’s Oriole home alarm;
• caravan insurance;
• Home and Garden section, covering garden plants and re-landscaping, a home emergency service and additional ‘pairs and sets’ cover;
• Sports section; and
• Personal accident cover.

If you don’t think Your House meets all your requirements, Home Plus might be just what you’re looking for.

Home Plus is a flexible option for people who want to choose their own levels of insurance cover to match their individual lifestyle.

If you:

• are setting up home for the first time;
• want to choose exactly how much cover to have;
• have a second home – or just a larger one;
• have an extensively furnished home; and/or
• have valuable items or collections;

- then Home Plus could be your ideal choice.

Standard cover*

• Contents up to the sum insured selected (see page 9) (including valuables).
• Accidental damage to televisions, stereos and home computers.
• Contents temporarily removed from your home, including cover for students living away.
• Contents in outbuildings and in the open.
• Replacement locks.
• Spoilage of food in the freezer.
• Loss of domestic heating fuel or metered water.
• Cost of alternative accommodation should your home become uninhabitable.
• Damage caused by emergency services.
• Occupiers’, Personal and Employer’s Liability.

Optional cover

• Buildings - Cover up to the sum insured selected.
• Personal Belongings - Covering your family’s belongings in and out of the home and while traveling abroad. You can insure your clothing, personal money, credit/debit
  cards and more.
• Additional accidental damage - Extends your Contents cover to include accidental damage to items such as carpets, furniture and household appliances.

GP Helpline

You can use Norwich Union’s GP Helpline service, where a registered doctor is on hand 24 hours a day for medical advice and reassurance – all you pay for is the cost of the call.

Even more choices with Home Plus.

With Home Plus you can add further cover to match your lifestyle.

Second Home - If you own a second home in the UK, France, mainland Spain, Portugal or the Republic of Ireland, you can include the Buildings and Contents insurance on your existing Home Plus policy, subject to the sum insured limits.

Small Craft - If you’ve got a boat, you could cover that too – if it’s no more than 16 feet (5 metres) long with a maximum speed of up to 49mph. Your cover includes loss, damage or theft of the boat and inboard engine. We can also cover outboard engines, trailers and trolleys.

Working From Home - Home Plus can cover your home office equipment for up to £15,000, and samples and stock up to £1,000 while in your home. Office equipment that you use away from the home is also covered. If your business grows, talk to your insurance adviser about our Homework policy.

Once you and your adviser have made the choice between Your House and Home Plus, there’s a wide choice of optional cover you can add to your policy.

Expert advice, 24 hours a day

Your Home and Home Plus policyholders can access Club Assistance, our free legal and tax helpline.

• Legal advice – Club Assistance gives you access to our legal helpline for expert advice on any personal legal problem. It could be a dispute over consumer rights, property, terms of employment, even a dispute with your neighbour or many other legal issues.
• Tax advice – need advice on tax relief and allowances? Inheritance tax? Capital gains tax? Club Assistance can help you with all of these and many other personal tax problems.

Club Assistance is available 24 hours a day, 365 days a year. Advice is limited to the law and practice of Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.

And even more help

Professional advice is also available through these helplines.

Identity Theft Helpline

If you become a victim of identity theft, or need advice on protecting your identity, our professional advisers are here to help from 8am to 8pm, 7 days a week. We can provide up-to-date information, including warning signs and prevention tips, and advice on what to do if you become a victim.

Travel insurance^‡

If you travel abroad more than once or twice a year you can save yourself the time and hassle of buying travel insurance each time by adding travel cover onto your home insurance policy. And you’ll probably save money too. You’ll be covered all year round and enjoy the same peace of mind you get with your Norwich Union home insurance.

You can add travel insurance to your policy whenever you want and it includes:

• cover for your holiday and business trips (up to five business trips per period of insurance) during the year, for a maximum of 60 days per trip. UK holidays are also covered where they include at least two consecutive nights’ stay in pre-booked accommodation;
• cover for you, your partner and dependent children up to 17 years old, or 23 if in full-time education and living with you;
• emergency medical expenses, cancellation, abandonment, personal accident, delayed baggage, etc;
• a choice of worldwide or European cover; and
• optional Winter Sports cover.

Norwich Union travel insurance also includes round-the-clock help for medical emergencies. Plus, you have access to Norwich Union Travel Assistant – our 24-hour, 365-day helpline service. You can get a wide range of travel advice and information on countries you’re visiting, before you go and while you’re away, from visas to vaccinations. Your insurance adviser can give you more information about adding travel cover to your policy, and a copy of the policy booklet that details the cover in full.

Family legal protection^‡

For just £17.75 per year (that's only around £1.50 per month) you can add legal protection to cover yourself and your family for legal expenses in a wide range of disputes – such as faulty goods, quarrels with your neighbour and
employment issues.

Caravan^‡

This covers your caravan against fire, theft and damage to fixtures and fittings in the UK and most European countries.

Home and Garden section^‡

These three options offer you even more protection for your home, contents and garden:

• replacement of stolen/damaged plants and re-landscaping your gardens if they’re damaged;
• home emergency service, in case your heating, plumbing or electricity fails; and
• sets replacement – if part of a set or a pair of items are stolen or damaged and replacements cannot be found, we’ll supply a whole new set or pair of equal value.

Personal accident^‡

This gives you the peace of mind that if you die as a result of an accident, your family will benefit from the security this cover can offer.

Sports section^‡

If sport is a big part of your life, this cover protects your racquets, sticks, bats and clubs, etc against theft from unattended locked vehicles and accidental damage. Plus, if you can’t use a sports club membership because of injury we’ll cover the membership fees. You’ll also be covered should you die as a result of a sporting injury.