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Buildings insurance

The Co-operative buildings insurance covers the entire structure of your home, including roofs, walls, fences, hedges, gates and outbuildings, plus permanent building fixtures like kitchens and fitted wardrobes. You'll be protected from a wide range of buildings risks – fire, explosion, storm or flood (excluding fences, hedges and gates), theft, vandalism, subsidence and a whole lot more.

And our cover automatically provides buildings insurance up to £500,000 as standard for the cost of rebuilding your home and any outbuildings. 

See our handy summary of cover or for further details of terms, exclusions and conditions please refer to the policy document.

Key buildings insurance details

Benefits

Our Buildings insurance gives you:

  • Up to 25% off your home insurance. Introductory discount of up to 25% off your home insurance when you take out buildings and contents cover together under a combined policy. Minimum premiums apply.
  • No Claim Discount. No Claim Discount will be applied to your premium dependant upon your claims history. Most customers will receive a 30% discount in their first year, based on new customer data during March 2013.
  • Up to 20% lower prices online.  Up to 20% lower prices if you take out buildings, contents or combined cover online at www.co-operativeinsurance.co.uk – most of our customers receive a 15% discount.
  • £50,000 legal expenses cover (in association with Co-operative Legal Services Limited) included as standard.
  • A choice of excess, which gives you the option to reduce your premium by choosing a higher excess.
  • Optional accidental damage cover to protect your home against minor mishaps and DIY accidents such as putting your foot through the ceiling.

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

Individual minimum premiums apply to buildings cover and to 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.

Source: Co-operative Insurance Data, based on new customers during March 2013.

Entitlements

You'll also benefit from:

  • Legal expenses insurance, £50,000 costs covered as standard.
  • Legal advice helpline.
  • Home emergency helpline.

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.

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 Services Authority (FSA), number 439069.

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.
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Awards

Intelligent Choice Award

Intelligent Choice Award

Intelligent Choice Award