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Contents - You need to consider all of the possessions within your home and how much it would cost to replace them new today, except for clothing and linen where you can deduct an amount for wear and tear.
Buildings - For most homes we are able to use our rebuilding cost calculator to estimate the rebuilding cost – if we are able to do this we’ll cover you for the full cost of rebuilding (up to £500,000). If we are unable to use our calculator (eg if your home isn't built of traditional materials) the sum insured you choose must be enough to cover the cost of rebuilding your home. You should also add on an extra amount to cover demolition costs, architects and surveyor’s fees.
As an approximate guide, if you were to turn your home upside down, everything that fell out would be your contents, and most of what remains would be buildings
When we refer to "valuables" we mean:
Valuables are included in our standard cover up to the value of £6000 The single article limit for valuables is £1500; any single item over this value needs to be specified.
No. You only need to specify items that are worth more than £1,500 and fall under our definition of a ‘Valuable’. We define Valuables as jewellery, watches, furs, items or sets or collections of gold, silver or other precious metals, works of art, sets of stamps or coins or medals all belonging to you or any member of your family.
New for old means, that we will replace the item(s) you are claiming for with one(s) of the same make and specification. Claims in respect of clothing and household linen will be subject to deductions for wear and tear.
While your home insurance policy covers the residual damage caused by, say, a leaking radiator, it would not cover the cost of a plumber to come out and fix the leak itself. Or the cost of any parts he uses in the process.
Home emergency cover provides 24 hour a day access to a network of reliable tradesmen. Call-out, labour, parts and VAT are covered up to £500 per incident.
Furthermore if you made a claim under your buildings or contents section for a claim of this nature eg water damage to your carpet:-
There is no excess to pay in the event of a claim under the home emergency cover section and it will not impact any No Claims Discount you have earned elsewhere on your policy.
So many claims that are made on home insurance policies (e.g. storm damage, burst pipes, subsidence etc.), are not the fault of the policyholder that we do not issue a No Claims Discount for these policies.
It would clearly be unfair to prejudice against a policyholder for making a claim for against an incident over which they had no control, so by not issuing and NCD at all, all customers are treated fairly.
Yes, payment by direct debit is available, provided the proposer is aged 18 or over, and subject to a minimum premium. We require a deposit to start your home insurance and then the balance can be paid by Direct Debit over the following 10 months. A credit charge is payable and this will be added to your total premium. Full details of the direct debit deposit, instalment amounts and APR will be provided with your quote summary.
We can protect your possessions away from home under our personal belongings cover, this covers items that you take outside of your home on a daily basis such as:
We will cover your possessions worldwide up to the maximum value you choose from between £2000 - £10000. Individual items are covered up to £1500.
You only need to tell us about the individual value of your contents if they are "valuables". We call "valuables": jewellery, watches, furs, items or sets or collections of gold, silver or other precious metals, works of art, sets of stamps or coins or medals. We automatically cover valuables up to £1,500 each and up to 30% of your contents sum insured in total. If you have valuables which are worth over £1,500, or if the total of your valuables amounts to more than 30% of your contents sum insured, please call us for a quote.
No, your computer is automatically covered under our standard contents cover. The standard cover also includes accidental damage occurring in the home to computers, unless it’s a portable type like a laptop or palmtop. In this case you will need to take Personal Belongings cover if you want it to be covered for accidental damage.
Yes, if you take our personal belongings cover we will cover you for up to £1,000 of fraudulent use against your credit cards. as well as up to £500 worth of personal money both in and away from your home.
We will automatically provide a basic level of accidental cover for both your buildings and contents insurance.
Yes, our excess on a standard claim is £100 (claims for subsidence carry a £1000 excess)
There is no excess for Legal Services claims.
There is no excess under Home Emergency Cover section.
Yes, we will give up to 50% discount for 5 years or more claims free on your contents insurance, and up to 20% discount for 5 years or more years claims free on your buildings insurance.
If the bicycle is stolen from your home, (including its garages or outbuildings) this is automatically covered under standard Contents insurance. However, if the bicycle is stolen while away from your home, it will only be covered if Pedal Cycle cover has been selected as an optional extra.
No, this is regarded as a commercial risk and, as such, Hastings are unable to provide cover.
All our claims helplines are available 24 hours a day 365 days a year.
You only need to tell us about the individual value of your contents if they are "valuables". We call "valuables": jewellery, watches, furs, items or sets or collections of gold, silver or other precious metals, works of art, sets of stamps or coins or medals. We automatically cover valuables up to £1,500 each and up to 30% of your contents sum insured in total. If you have valuables which are worth over £1,500, or if the total of your valuables amounts to more than 30% of your contents sum insured, please call us for a quote.
The 'Sale and Purchase' section of your Buildings policy automatically provides a basic level of cover for your new home over the period between exchange of contracts and completion, provided this period does not exceed three months. However, this cover does not apply if your new property is still insured elsewhere, or if its rebuilding cost exceeds the buildings sum insured shown on your schedule. If this is the case, please call us to discuss your requirements.
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