We offer a full range of HOME
INSURANCE
get an instant quote

Cover for COMMERCIAL properties, plus
UNOCCUPIED commercial property

Get an instant quote, for Landlord, Property
Owners and home insurance

We are pleased to launch our new cover
for HIGH NET WORTH - Private Clients.
We offer cover for purpose built and house conversion FLATS or APARTMENTS
Defaqto (5 Stars) : Home Buildings Insurance 2016 Defaqto (5 Stars) : Home Contents Insurance 2016

Standard Home Insurance

Our Home Insurance policy, has been designed to provide cover for buildings, contents or buildings and contents combined. rating by Defaqto.
In addition to this we also offer cover for Valuables and Personal Possessions whilst at and away from the home and some more specialist items, as listed below.

There are some huge discounts available, such as:

  • No Claims Bonus up to 30%
  • Buildings and Contents combined discount
  • Up to 40% for our Bedrooms rated option
  • Age of proposer discount
  • Higher sums insured discount
  • Age of home discount
  • Voluntary excess discount
  • Existing policyholder discount of 5%

Types of Risks Covered

  • Standard Home Insurance
  • Bedrooms Rated Home Insurance
  • Previously Underpinned Homes and Homes which have suffered from subsidence
  • Previously Flooded Homes
  • Mid Net Worth - High Building and Contents sum insured
  • Policyholders with Criminal Convictions, CCJ's and Bankruptcy
  • Homes used as small owner occupied Bed & Breakfasts
  • Homes used for Child Minding
  • Homes with Lodgers
  • Homes undergoing building work or refurbishment including JCT Minor Works Extension
  • Homes used for Business
  • Contents in Depositories and Storage
  • Homes needing cover between exchange and completion
  • Listed Homes
  • Shared Occupancy
  • Working Farms

Buildings Cover


Our buildings policy provides cover as standard for loss or damage directly caused by:
  • Fire, Lightning, Explosion or Earthquake and Smoke Damage caused by these perils
  • Aircraft and other flying devices or items dropped from them
  • Storm, Flood or Weight of Snow
  • Escape of Water from and Frost Damage to fixed water tanks, apparatus or pipes
  • Escape of Oil from a fixed domestic oil fired heating installation and smoke damage caused by a fault in any fixed domestic heating installation
  • Theft or Attempted Theft
  • Collision by any Vehicle or Animal
  • Any Person taking part in Terrorism, a Riot, Violent Disorder, Strike, Labour Disturbance, Civil Commotion or Acting Maliciously
  • Subsidence or Heave of the site upon which the buildings stand or Landslip
  • Breakage or Collapse of fixed radio and television aerials, fixed satellite dishes and their fittings and masts
  • Falling Trees, Telegraph Poles or Lamp-Posts

In addition to these perils our Buildings policy provides the following additional covers FREE:
  • Accidental Damage to fixed glass and double glazing (including the cost of replacing frames), solar panels, sanitary ware and ceramic hobs all forming part of the buildings
  • Accidental Damage to Underground Services
  • Alternative Accommodation
  • Additional Expenses
  • Increased Domestic Metered Water Charges
  • Anyone buying the home will have the benefit of the buildings section
  • Trace and Access Cover
  • Replacement Locks
  • Landscaped Gardens
  • Fire Extinguishers, sprinkler heads and refilling sprinkler tanks
  • Emergency Access Cover
  • Closed Circuit Television Systems
  • Index linking
  • Legal Liability as owner of the Home up to £2,000,000 including the Defective Premises Act 1972

Buildings cover can also be extended to include:
  • Accidental Damage to the Buildings
  • Garages away from the home
  • Greenhouses, Sheds and Outbuildings for Tenants

Contents Cover


Our Contents policy provides cover as standard for loss or damage directly caused by:
  • Fire, Lightning, Explosion or Earthquake
  • Aircraft and other flying devices or items dropped from them
  • Storm, Flood or Weight of Snow
  • Escape of Water from fixed water tanks, apparatus or pipes
  • Escape of Oil from a fixed domestic oil fired heating installation and smoke damage caused by a fault in any fixed domestic heating installation
  • Theft or Attempted Theft
  • Collision by any Vehicle or Animal
  • Any Person taking part in Terrorism, a Riot, Violent Disorder, Strike, Labour Disturbance, Civil Commotion or Acting Maliciously
  • Subsidence or Heave of the site upon which the buildings stand or Landslip
  • Falling Trees, Telegraph Poles or Lamp-Posts

In addition to these perils our Contents policy provides the following additional covers FREE:
  • Freezer Contents up to £1,000
  • Additional Money and Credit Cards up to £1,000
  • Accidental Damage to TV's, Satellite Decoders, Audio/Video/ DVD equipment, Radios, Home Computers and Video Cassette Recorders
  • Accidental Breakage of mirrors, glass tops and fixed glass in furniture and ceramic hobs plus accidental damage to fixed glass, double glazing and sanitary ware forming part of the buildings which tenants are legally liable for
  • Contents whilst temporarily removed
  • Contents whilst being moved to a new home, to or from any bank, safe deposit or furniture store
  • Rent payable as occupier if the home cannot be lived
  • Alternative Accommodation
  • Tenants legal liability for loss or damage to the buildings
  • Accidental Damage to Underground Services which tenants are legally liable for
  • Fatal Injury cover following death caused by burglars or by fire up to £10,000
  • Replacement Locks
  • Increased Domestic Metered Water Charges
  • Increased Contents Sum Insured for Wedding Gifts up to £5,000
  • Increased Contents Sum Insured for Religious Festival up to £5,000
  • Contents Cover for family members away at College or University
  • Index linking
  • Legal Liability as occupier of the Home up to £2,000,000 including outstanding awards made to the policyholder by a court

Contents cover can also be extended to include:
  • Accidental Damage to the Contents
  • High Valued Contents
  • High Valued Collections
  • Specified and Unspecified Valuables and Personal Possessions while in and away from the home
  • Items in Banks/Safety Deposits
  • Mobile Phones
  • Laptops
  • Pedal Cycles
  • Guns
  • Musical Instruments
  • Hearing Aids
  • Sports/Leisure Equipment
  • Medical Equipment
  • Ride on Lawnmowers
  • Electric Wheelchairs
  • Mobility Scooters
  • Quad Bikes
  • Increased Contents of Garages, Sheds, Greenhouses and Outbuildings

Cover is subject to the full terms, conditions, limits and exclusions of our Home Insurance Policy Wording. Please click the Summary of Cover button below to view or download a current copy of this policy.

  
January 2017 Important Changes/Updates and Additions 01-12-2016
For information regarding important changes/updates and addi..... Read More

Vasek BDM Northern Ireland Visit 2016 17-10-2016
Vasek is headi..... Read More

3 and 6 Month Unoccupied Property Policies Now Available 07-10-2016
3 and 6 Month Unoccupied Property Policies ..... Read More

Vasek Renewal Document Changes Newsletter 08-09-2016
..... Read More

UK Holiday, Overseas and Second Homes Newsletter 02-09-2016
..... Read More

Insurance Act 2015 01-08-2016
The Insurance Act 2015 As you are aware the Insurance Act..... Read More

Leave a comment here:

CAPTCHA Image [ Different Image ]



This is for user feedback only: questions and queries cannot be answered if entered here, please use the Contact Us section if you have a question or query. Thank you