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Could I be liable for a buildings insurance claim after I’ve moved house?
Normally the owner is liable. As well as covering you for your liability as owner, we'll also cover you for claims under the 'Defective premises act.'.
Let's use an example. If you carry out work/alte...
Last updated: 19/03/2025
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What is Occupier's, personal and employer's liability insurance?
We provide liability insurance as standard under both our buildings and contents policies. Liability cover is insurance which covers your legal liability to pay damages and costs to a claimant as a re...
Last updated: 20/03/2025
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Do you cover subsidence?
We do cover subsidence. The standard excess for subsidence is £1000 but if your area is deemed to be particularly prone to subsidence this excess may increase.
If you claim from us for subsidence, we ...
Last updated: 19/03/2025
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Do you give a No claim discount?
We give No claim discount (NCD) up to a maximum of 5 years based on your claim history.
We don’t need to see your proof of NCD for your home insurance policy, and we don’t issue a proof of NCD once yo...
Last updated: 19/03/2025
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Legal service cover
Our customers have told us that they find legal matters complicated and difficult to understand. As a result we have put together some information which you might find useful in understanding how the ...
Last updated: 19/03/2025