How does You Choose work?

You Choose Home Insurance is a new concept in home insurance.

You are more in control of how much cover you take and, consequently, how much you pay for it.

For too long home insurance has been sold as a 'standard package' that doesn't take into account differing needs and lifestyles. For example, many home insurance policies include cover for gardens but what if you live in an apartment? Why pay for cover for something you don't even have?

That's where You Choose Home Insurance comes in.

1. Core Cover

With You Choose Home Insurance, the first step is to decide on the type of Core Cover you need.

There's a choice of three cover options, all at an extremely competitive price:

• Core Buildings only
• Core Contents only
• Combined Core Building & Contents

2. Extra Cover Options

Once you've decided on the Core Cover, add your choice of Extra Cover Options. There are a number of these, depending on your needs. You may find that not all of the Extra Cover Options will suit your circumstances. You can design your policy around you and your family's lifestyle.

The Extra Cover options are:

• Technology and Entertainment
• Personal Items
• Garden
• Accidental Damage
• Home Emergency
• Legal Expenses

Note: Exclusions and limitations will apply to all Extra Cover Options you take. You can get full details about what's covered and what's not, including any limits that apply, when you get a quote.

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Your Core Cover

You've got 3 options open to you:

1. Core Buildings Only
   • The Core Buildings Only option provides £400,000 worth of cover as standard.
   • It covers the structure of your home and would pay out to repair or rebuild your home if damaged, for example, by a fire, flood or falling tree.
2. Core Contents Only
   • The Core Contents Only option provides £50,000 of cover as standard.
   • It protects the things you own in your home. For example, if you were burgled and items were taken or you suffered a fire in your home, your Core Contents insurance would pay out to help replace your lost or damaged contents.
   • It covers items such as furniture, carpets, curtains and free-standing white goods – for example, fridges, cookers and dishwashers.

   Note: Core Contents cover does not cover items that are included in the Extra Cover Options for example, jewellery or televisions.

3. Core Buildings & Contents Cover

   This Core option combines all elements of Core Buildings Only and Core Contents Only.

There's more cover than you might expect

Depending on the Core Cover Option you choose, these benefits are included at no extra cost:

• 'New for old' cover on items that are stolen or damaged.
• Cover for replacement locks and keys if stolen, lost or damaged.
• Contents cover automatically increases by £3,000 for items purchased for religious festivals, such as Christmas presents.
• Increase in cover for wedding gifts when you get married.
• Financial help if your home cannot be lived in, for example after a fire or flood.

Please note: there are limitations and exclusions with all home insurance policies. Further details are available when you get a quote.

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The Extra Cover Options are:

1. Technology and Entertainment

   Available with:

   • Core Buildings & Contents
   • Core Contents only

   Covers:
   Technology and entertainment items in your home such as televisions, DVD players, satellite and digital receivers, music players, laptops, desktop computers, mobile phones, CDs, DVDs, game consoles and much more.

   Benefits:

   • The standard level of cover offered by this option is £500 and this can be increased up to £15,000 to reflect your needs.
   • Items included in this option are automatically covered for accidental damage.
   • Portable items are automatically covered if taken outside the home.
2. Personal Items

   Available with:

   • Core Buildings & Contents
   • Core Contents only

   Covers:
   Items such as jewellery, watches, medals, money, credit cards, sports equipment, pedal cycles, camping equipment and wheelchairs/electric scooters for the infirm or disabled.

   Benefits:
   The standard level of cover offered by this option is £500 and this can be increased up to £25,000 to reflect your needs.

3. Garden

   Available with:

   • Core Buildings & Contents
   • Core Contents only

   Covers:
   Items such as trees, shrubs, plants, hedges, lawns, gardening equipment and garden furniture.

   Benefits:

   • The standard level of cover offered by this option is £500 and this can be increased up to £10,000 to reflect your needs.
   • It also covers items that are left in the garden, such as patio heaters or children's outdoor toys.
4. Accidental Damage

   Available with:

   • Core Buildings & Contents
   • Core Buildings only
   • Core Contents only

   Covers:
   Accidental damage to either your building, or its contents, or both.

   Benefits:
   Ideal for families with young children, DIY enthusiasts or anyone looking for extra peace of mind.

5. Home Emergency Assistance

   Available with:

   • Core Buildings & Contents
   • Core Buildings only
   • Core Contents only

   Covers:
   The cost of emergencies such as failure of the electricity supply, repairs to the plumbing or drainage system or the removal of vermin. It also helps with the cost of accommodation if you're unable to live in your home.

   Benefits:

   • Up to £500 of cover per claim as standard
   • Provides a rapid response from specialist approved tradesmen, 24 hours a day, 7 days a week
   • All work carried out is fully guaranteed.
6. Legal Expenses

   Available with:

   • Core Buildings & Contents
   • Core Buildings only
   • Core Contents only

   Covers:
   The costs of taking or defending legal action for

   • Personal injury – proceedings against another person or organisation as a result of an event which causes your injury, or death
   • Consumer protection – in relation to the sale or purchase of goods
   • Residential – in relation to your home
   • Employment – in relation to your employment or employer
   • Tax – a representative acting for you in a full enquiry by the Inland Revenue into your income and records.

   Benefits:
   Up to £50,000 of cover as standard.

The maximum cover available across Personal Items, Technology & Entertainment and Garden options is £30,000.

For more details on the Core Cover and Extra Cover Options, please use the

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Note: exclusions and limitations will apply to all Extra Cover Options you take. Further details are available when you get a quote.

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Quote & apply

Anyone with a home, whether owned or rented, can apply for You Choose Home Insurance. And remember, you don't have to have a mortgage with us to benefit from this cover.

See if you could benefit from lower premiums by switching your home insurance to us today.

How to Get a Quote and Apply

Getting a no-obligation quote and applying is easy:

• Get a quote online now
• Visit your local branch
  Talk to an adviser who will help you to decide what level of cover is right for you and provide a no-obligation quote.
• Call us here in the UK on 0845 1200 861

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Making a claim

Simply call 0845 0727 147.

The call centre you deal with is based right here in the UK and the staff are highly experienced in dealing with all types of queries and claims.

A personal claims handler will be appointed to work on your claim and to provide you with a single point of contact throughout the claims process. They will be able to answer your questions and give you the information you need to ensure that making a claim is straightforward, quick and hassle free.

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