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Home Insurance

Home insurance that ticks all the boxes

  • You can add Home Emergency cover with HomeRescue Plus for just 12p in your first year, for those emergencies like broken boilers and burst pipes indoors.

    Provided in association with Axa Assistance. Reverts to £24 after your first year.

  • We have a 95% customer satisfaction rating

    Internal telephone customer satisfaction survey: 153,000 participants 1st Feb 2012-31st Jan 2013.

  • Earn No Claim Discount for buildings & contents for 1 or more claim-free years. You could receive up to 30% discount (if you are new to us) or up to 40% discount (if you are renewing with us).

    Minimum premiums apply.

Home Insurance Benefits

Buildings Insurance

Our buildings insurance will cover you for a wide range of risks and includes:

  • Up to £500,000 rebuildings costs to cover for any loss of or damage to the structure of your home
  • Accidental damage cover for underground pipes, cables and drains
  • Cover for domestic outbuildings at your home address, including sheds, garages and greenhouses
  • Property owners liability up to £2m plus legal costs

You can also:

  • Choose your own excess - choose a higher excess to make your premium lower
  • Earn No Claim Discount - you could receive up to 30% discount (if you are new to us) or up to 40% discount (if you are renewing with us).
  • Add a range of optional extras for that extra peace of mind that you have the right level of cover should something happen in your home

For our full list of benefits, summary of cover and to find out what optional extras you can add, find out more about Buildings Insurance.

Contents Insurance

Our contents insurance will cover you for the contents in your home and includes:

  • New for old replacement of items (except linen and clothing)
  • Personal and occupiers  liability up to £2m plus legal costs
  • Up to £2,000 cover for theft from domestic outbuildings
  • Up to £5,000 cover for office equipment in the home
  • Up to £500 cover for visitors personal belongings (limit per visitor)

You can also:

  • Choose from 4 levels of high risk items limits - tailor your policy to your needs by choosing the adequate level of cover for your valuables
  • Earn No Claim Discount - you could receive up to 30% discount (if you are new to us) or up to 40% discount (if you are renewing with us)
  • Add a range of optional extras for that extra peace of mind that you have the right level of cover should something happen in your home

For our full list of benefits, summary of cover and to find out what optional extras you can add, find out more about Contents Insurance.

Legal expenses - £50,000 included as standard

  • Managed on our behalf by The Co-operative Legal Services.
  • £50,000 included as standard for legal costs incurred for civil disputes arising from personal injury, employment contracts, the purchase or sale of goods, contracts for services and damage, nuisance or trespass to your property.

Home legal expenses cover is managed on our behalf by Co-operative Legal Services Limited. The Co-operative Legal Services Limited is authorised and regulated by the Solicitors Regulation Authority under registration number 567391.

Add Personal possessions - cover your valuables away from home

  • Our Personal possessions insurance is an optional extra of our contents insurance that offers you a choice of Unspecified or Specified personal possessions covers.
  • Unspecified personal possessions includes personal items, laptops, valuables and clothing normally worn or carried outside the home.
  • Specified personal possessions covers single items which require higher limits than those provided under Unspecified personal possessions cover.

Add Home Emergency cover for just 12p in your first year

  • Provided in association with Axa Assistance.
  • Home Emergency cover with HomeRescue Plus is available exclusively to customers of The Co-operative Insurance.
  • Covers up to £250 for emergencies (inclusive of VAT) for emergency repairs arising from any one incident.
  • Covers up to £100 for overnight accommodation if the home becomes uninhabitable as a result of the insured emergency.
  • Burst pipes, broken boilers… because no-one can see what’s around the corner, get home emergency cover with HomeRescue Plus.
  • 24 hour helpline – just call for a repairer to be sent to your home anytime, day or night.
  • Immediate access to a trusted network of approved contractors.
  • No Excess to pay.
  • Your no claim discount is not affected.
  • Reverts to £24 after the first year.

HomeRescue Plus is provided on behalf of The Co-operative Insurance by AXA Assistance (UK) Limited, The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PR. Registered in England and Wales No: 02638890 and authorised and regulated by the Financial Conduct Authority (FCA), number 439069.

Add Accidental damage - protect your possessions against accidents

  • Get peace of mind and protect your buildings and contents against those unforeseen accidents, from minor mishaps to major DIY catastrophes.
  • Buildings Insurance – If you want cover against DIY accidents, such as putting your foot through the loft ceiling then you can extend the cover to include most other types of accidental damage for an additional cost.
  • Contents Insurance – If you're worried about accidental damage such as spilling red wine or paint on your carpet then you can extend the contents cover to include most types of accidental damage for an additional cost.

Exclusions and limitations apply, please refer to policy documents for full details.

Minimum premiums of £111 apply to buildings and contents cover. This means the maximum discounts may not be available in all circumstances.

Offers available in your first year and may be withdrawn at any time.

HomeRescue Plus is provided on behalf of The Co-operative Insurance by AXA Assistance (UK) Limited, The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PR. Registered in England and Wales No: 02638890 and authorised and regulated by the Financial Conduct Authority (FCA), number 439069.

Awards

Intelligent Choice Award

Intelligent Choice Award

Intelligent Choice Award