What's not covered by my buildings insurance policy?

Here are a few examples of things you won't be covered for. These include:

- wear and tear, for example anything that happens gradually over time, such as rotten wooden window frames or threadbare carpet

- storm or flood damage to gates and fences

- routine maintenance to your home or contents

- electrical equipment that breaks down

- if your home is left unoccupied for more than 60 days in a row, reduced cover will apply - please refer to your document of insurance to see how you could be affected

- items that you lose in your home or garden (unless you've purchased our optional Personal Possessions cover)

For full details of what you won't be covered for, please check your Home Insurance Policy Documents for exclusions


Want to speak to a friendly staff member?

Sometimes it's easier to discuss things face-to-face. All our branches have staff ready and waiting to talk. If you’d like to discuss your options or you think you need help, call in at your local branch.

Branch finder

Alternatively call our enquiries line between:

9am and 5pm Monday to Friday or
9am and 12pm on Saturday

Our staff will be more than happy to help with any questions or queries