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New terms and conditions home contents insurance and home insurance

More sustainable and clear

We have added new sustainable terms and conditions to benefit you: solar panels, charging stations, wind turbines and heat pumps are now insured even if they are located in the grounds of your home. The new terms and conditions will take effect on 15 May 2023. Curious about the other changes? We have put together a list of the key differences for you.

Changes to both policies

 

Old terms and conditions

  • No compensation for the energy you can no longer generate in the event of (insured) damage to your solar panels.
  • Flooding of non-primary flood defences is not insured.
  • An insured property may be empty for up to 2 months.
  • Damage caused by a burst water pipe at your neighbour's house is only insured under all-risk cover.

New terms and conditions

  • Compensation up to € 2,000 per incident if you can no longer generate energy for your own use in the event of (insured) damage to solar panels.
  • Flooding of non-primary flood defences is now insured.
  • An insured property may be empty for up to 4 months.
  • Damage caused by a burst water pipe at your neighbour's house is now insured under basic cover.

Changes to home contents insurance

 

Old terms and conditions

  • For tenants and owners of flats, we do not provide cover for solar panels, charging stations, wind turbines or heat pumps.
  • The maximum compensation for occupational tools such as office chairs, desks and desktop computers that are used for salaried work is € 1,250.
  • The maximum compensation for theft following burglary in a shed or garage at the same address is € 5,000.
  • The maximum compensation for contents in a locked motorbike or boat is € 500.

New terms and conditions

  • For tenants and owners of flats, we provide cover for solar panels, charging stations, wind turbines and heat pumps.
  • The maximum compensation for occupational tools such as office chairs, desks and desktop computers that are used for salaried work is € 2,500.
  • The maximum compensation for theft following burglary in a shed or garage at the same address is now € 10,000.
  • The maximum compensation for contents in a locked motorbike or boat is now € 750.

Changes to home insurance

 

Old terms and conditions

  • Sustainable appliances such as solar panels, charging stations, wind turbines and heat pumps and their associated cables are insured if they are attached to the house.
  • Pergolas and outdoor kitchens are not insured.

New terms and conditions

  • Sustainable appliances such as solar panels, charging stations, wind turbines and heat pumps and their associated cables are insured if they are in the grounds of the property. These items should always be securely anchored at all times.
  • Pergolas and outdoor kitchens are insured if they are attached or anchored to the house or in the grounds.
 

More information

For more information about the changes, please refer to the information sheet or the terms and conditions of both policies. If you already have a home contents insurance and/or home insurance policy, we will send you the information sheet about the changes by post on your insurance renewal date.

• New terms and conditions home contents insurance
• New terms and conditions home insurance