Derbyshire home insurance

Guide to cover

You'll enjoy a good level of cover with Derbyshire Home Insurance as standard, but that's not all. This policy has been designed to make your life easier, by allowing you to choose the level of cover you need and build on the extras you require.

Discounts

You will be eligible for premium discounts if any of the following apply to you:

• You buy a joint buildings and contents policy.
• If you have a professionally installed and regularly maintained burglar alarm.
• If you are over 50 years of age
• If you select a voluntary excess.

But don’t worry about checking, if you ask us for a quotation, we will automatically include any discounts you are entitled to.

Building insurance – what's covered?

• Up to £400,000 of cover is automatically provided to rebuild your home.
• Standard cover protects your buildings (including garages, outbuildings, drives, walls, fences hedges and gates) against:
  • Fire, lightning, explosion, earthquake or smoke
  • Storm or flood (other than to fences and hedges)
  • Subsidence (you pay the first £1000)
• Standard Accidental Damage Cover is included for windows, sanitary ware, cables and underground tanks that are used to provide services for your home.
• Up to a maximum of 20% of your buildings sum insured is payable should you require short term accommodation whilst your home is being repaired as a result of damage covered by your policy.

Contents insurance – what's covered?

• Up to £50,000 of cover is automatically provided to replace your contents.
• Any item that has been stolen or damaged beyond repair will be replaced with another of a similar quality.
• Up to £10,000 of cover is automatically included for High Risk Items with a single item limit of £1,500. High Risk Items are things which are often stolen by burglars and includes:
  • Televisions, computers, audio and video entertainment equipment
  • CD's, DVD's and computer games
  • Photographic equipment
  • Jewellery, watches, articles of precious metals and clocks
  • Paintings, works of art, stamp, medal and coin collections
• £1,000 of extra cover is provided for wedding gifts for one month before and one month after your wedding day.
• £1,000 of extra cover is also provided during the month of December to cover gifts in your home.
• Standard Accidental Damage Cover is included for damage to televisions, satellite, video, audio and computer equipment and breakage of mirrors, ceramic hobs or any glass in furniture.
• For details of optional extras for your Contents Insurance, see our Benefits page.

As an intermediary we act on your behalf in arranging insurance. Terms and Conditions apply. Subject to eligibility. Derbyshire Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. Registered in England and Wales at St Mark's Court, Chart Way, Horsham, West Sussex RH12 1XL Authorised and regulated by the Financial Services Authority.