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Buildings Insurance

Our buildings insurance will cover you for a wide range of risks that can cause damage to the structure of your home. We want to give you peace of mind that you have the right level of cover should something happen in your home.

  • We have a 95% customer satisfaction rating
    Internal telephone customer satisfaction survey: 153,000 participants 1st Feb 2012-31st Jan 2013.

Buildings Insurance

Benefits

Our buildings insurance gives you:

  • 25% off home insurance - when you buy buildings and contents insurance together. Minimum premiums apply. Offer available in your first year only.
  • The option to choose your own excess - choose a higher excess to make your premium lower.
  • 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).
  • Up to £50,000 legal expenses cover included as standard (in association with Co-operative Legal Services Limited)
  • 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.

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

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

Summary of cover

Whats covered as standard?: Cover:
Rebuildings cover for any loss of or damage to the structure of your home from:
  • fire or explosion
  • storm or flood
  • theft or vandalism
  • subsidence or heave of the site or landslip
  • escape of water or oil
  • freezing of any fixed water or heating system
 Up to £500,000
Outbuildings at your home address including sheds, garages and greenhouses Yes
Permanent building fixtures like kitchens and fitted wardrobes. Yes
Accidental damage cover for underground pipes, drains, cables Yes
The cost of alternative accomodation or loss of rent if you are not able to live in your home Up to £20,000 
Property owner's liability Up to £2m plus legal costs
Accidental breakage of sanitary fittings, glass in doors, windows, solar panels and greenhouses Yes
Legal Expenses cover Up to £50,000 as standard
Legal advice helpline Yes

 

In order to maintain your cover, the building needs to be furnished and cannot be left unoccupied for more than 60 consecutive days.

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.

Eligibility

We cannot offer you an online quote if the property:

  • is not mainly roofed with slates or tiles
  • is not your main residence, e.g. it is a holiday home or rented out to tenants or it is used by paying guests
  • has ever been entered by flood waters
  • is showing signs, or has ever been affected by subsidence, heave or landslip
  • has more than 5 bedrooms or is higher than 3 storeys
  • was built before 1850
  • has a rebuilding cost of more than £500,000
  • is used for business purposes other than office work, childminding or private tuition
  • is a mobile home.

However we may still be able to provide you with a quote over the phone by calling our quote line direct.

In addition, we cannot offer you an online quote if:

  • You or anyone living with you have ever been convicted of any criminal offence (other than motoring offences) or has any prosecutions pending
  • you or anyone living with you has been refused insurance or had special conditions imposed
  • you or any of the proposers are under 16 years of age
  • you are not resident in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man.

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

We have teamed up with Axa Assistance to bring you HomeRescue Plus.

You can add Home Emergency cover with HomeRescue Plus to your policy for just 12p in your first year (Reverts to £24 after your first year).

What does it cover?

Up to £250 (inclusive of VAT) for emergency repairs for:

  • Failure of your boiler, hot water system, central heating system or main heating source
    (Provided the boiler has been serviced in the last 12 months and is not over 15 years old).
  • Failure of the gas or electricity supply within the home
  • Plumbing problems relating to blocked drains, leaking pipes, leaking radiators, water tanks or blocked toilet waste pipes within the home
  • Infestation of the home by brown rats, black rats, house mice, field mice, squirrels and wasps nests or hornets nests.
  • Permanent and irreplaceable loss of all keys required to gain access to the home

Cover does not apply to garages, greenhouses or outbuildings.

Further benefits of HomeRescue Plus:

  • A 24 hour helpline - if you need a repairer, day or night
  • Immediate access to a trusted network of approved repairers
  • An extra £100 towards the cost of overnight accommodation (including transport) if your home becomes uninhabitable overnight
  • No limit on the amount of times you can claim in a year
  • You won't have any excess to pay
  • Your no claim discount - is not affected

You can add this optional extra to your policy when you get a quote

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 cover

For those all to frequent accidents from minor breakages to major DIY catastrophes.

What does it cover?

Our standard Buildings insurance provides accidental damage cover to underground drains, pipes and cables and accidental breakage to fixed glass and sanitary fittings. However, if you want to protect your buildings against other types of accidental damage e.g. damage caused by putting your foot through the ceiling while in the loft or DIY accidents such as drilling through a pipe or cable you can add this optional cover.

You can add this optional extra to your policy when you get a quote

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

Awards

Intelligent Choice Award

Intelligent Choice Award

Intelligent Choice Award