Home Insurance (Ageas)

Underwritten by Ageas, the Cavere Home Insurance product is rated 5 star by  the Moneyfacts Group,  the independent researchers of financial products in the UK.

Ageas is an international insurance group ranked among the top 20 insurance companies in Europe, with key markets in Europe and Asia, and a heritage spanning more than 190 years.

  • The cover limits below apply to policies sold or renewed after the 1st July 2020. For policies purchased prior to this date please see individual policy documentation.

    Buildings Cover Limits

    Causes Covered Standard Policy Limit
    Buildings Cover Maximum Claim Limit £1,000,000
    Homeowner’s legal responsibilities £2,000,000
    Rent & Alternative Accommodation 20% of the maximum claim limit for buildings
    Being forced to leave your home 20% of the maximum claim limit for buildings
    Home Improvements £1,000

    Contents Cover Limits 

    Causes Covered Standard Policy Limit
    Contents Cover Maximum Claim Limit £100,000
    Cover for valuables in the home 30% of the maximum claim limit for contents, £2,500 item limit

    Items over £2,500 must be specified to be covered, max limit £20,000

    Max for all jewellery & watches in the home unless stolen from a fixed, locked safe £10,000
    Business Equipment £5,000 total; £2,500 item limit
    Theft of Contents from an Outbuilding or Garage £1,000
    (if Outbuilding or Garage is locked £2,500 per outbuilding or garage; £5,000 overall limit
    Fatal injury occurring in the home £10,000
    Loss of Metered oil or water £2,000
    Contents in the garden £2,000 total; £500 item limit
    Money £750
    Credit Cards £1,000
    Deeds & Documents £2,500
    Guests Personal Belongings £1,000
    Taking shopping home £400
    Garden Cover £1,500
    Counselling Fees £1,000
    Moving home cover £5,000
    Contents taken away from the home 20% of the maximum claim limit for contents
    Tenants home improvements 10% of the maximum claim limit for contents
    Rent & Alternative Accommodation 20% of the maximum claim limit for contents
    Special Events Maximum Claim Limit for Contents is increased by £5,000
    Being forced to leave your home 20% of the maximum claim limit for contents
    Downloads & Computer files £1,000
    Recently purchased contents £1,000
    Public & Personal Legal Responsibilities £2,000,000
    Unpaid damages £2,000,000
    Legal Responsibiity for domestic employees £10,000,000
    Protection for tenants 20% of the maximum claim limit for contents

    Optional Cover Extensions

    Causes Covered Buildings Contents Standard Policy Limits
    Accidental Damage Cover Y Y Up to the Buildings or Contents Maximum Claim limit
    Everyday Personal Belongings N/A Y Min £1,000, Max £15,000, £2,500 limit per item
    Higher Value Personal Belongings N/A Y Up to £15,000 in total, £10,000 item limit
    Bicycles N/A Y Up to £20,000 in total, £2,500 limit per bicycle
    Home Emergency cover Y Y up to £1,000 or three claims per year
    Personal legal Protection Y Y £50,000

    Standard Policy Excess Amounts

    Cause Excess Amount Cause Excess Amount
    Standard Policy Excess £100 Subsidence* £1,000
    Leaking or freezing water & leaking oil £350 Flood* £250

    * Excess amount is unaffected by any voluntary excess that may be chosen

  • For Policy claims please call 0344 412 4180

    How to make a claim

    If you are aware of an incident that might give rise to a claim or you need to make a claim, you must do the
    following as soon as possible:
    Buildings and/or Contents – Call our claims helpline on 0344 412 4180 to report the incident.

    • Tell the police as soon as reasonably possible if something is lost or if you suspect theft or malicious
      damage.
    • Take all practical steps to get back any property which has been lost.
    • If we have asked you to fill in a claim form, send this back to us, with everything we have asked for, within
      30 days of us sending it to you.
    • Immediately send us any written claim which is made against you, and give us full details of any verbal
      claims made against you.
    • Take reasonable action to protect the property from loss or damage.

    You must not:

    • Throw away, get rid of or destroy items that are damaged until we say so;
    • admit or deny responsibility for any incident; or
  • We know you’re concerned about recent developments regarding the coronavirus (COVID-19) pandemic, and we are doing everything we can to support you as well as our employees.

    This is an unprecedented and fast-moving situation so to try and help you understand what it means for you and your customers, we have put together the below frequently asked questions.

    How does working from home affect home insurance cover?

    The policy would not be impacted by working from home, as long as it’s on a clerical business use basis only. If a policyholder has visitors to the home for business purposes or if they conduct any other non-clerical business from the home, they will not be covered.

    Will work equipment be covered at home?

    There is no need to add business equipment (e.g. a phone or laptop) owned by a policyholders employer to their policy as this will usually be covered under the employers business insurance.

    Any business equipment owned by the policyholder can be covered under the policy. Business equipment is defined as desktop and laptop computers, keyboards, visual display units, printers, word-processing equipment, desktop publishing units, fax machines, photocopiers, typewriters, computer aided design equipment, telecommunication equipment (but not mobile phones) and office furniture, owned by the policyholder and their family.

    Please check the Policy Schedule and Policy Wording for more details and limits.

    If the home is usually unoccupied during the day, but because of self-isolation is now occupied all of the time, is this something that needs to be notified?

    No, it is not a requirement to tell us if the home is occupied more often because of the virus.

    Will the home be covered if it is unoccupied due to staying with relatives because of self-isolating, being stuck abroad or being in hospital, will cover continue?

    Our policy provides comprehensive cover for properties that are unoccupied for up to 30 days. Currently, after 30 days, the cover downgrades to exclude such cover as (but not limited to) Escape of Water, Accidental Damage, and Theft. However, if a policyholder experiences a delayed repatriation when returning home from a holiday outside the UK, or is subjected to an extended hospital stay, which are both directly as a result of COVID-19, we will look to be flexible with these terms and will not look to penalise policyholders unfairly as a result of this.

    Additionally, if we have been informed that an insured property is unoccupied for more days than the policy allows, and as a result we have applied additional endorsement terms to the policy insisting that the property is regularly inspected. Where COVID-19 Government restrictions prevent the customer from doing so, we will look to be flexible with these terms and not look to penalise the policyholders unfairly as a result of this.

    If it is possible to plan before leaving the property unoccupied, here are some actions that may help to protect the property:

    • Ask a friend or neighbour to keep an eye on the property;
    • Ensure the windows and doors are locked (and remove keys) and set the alarm;
    • Switch off and unplug electrical items;
    • Turn off the gas at the mains, unless it’s required for an automatically controlled heating system;
    • Turn off the water at the mains and drain the system unless an automatically controlled heating system requiring the water supply is left in operation.

    Renewal documents were not received, because the policyholder was in hospital with coronavirus, you were not able to post the documents or no post was delivered due to coronavirus:

    If documents have been missed prior to the renewal date due to issues relating from coronavirus, then please contact us on 01904 476096 or email policies@cavere.co.uk and we will do what we can to either reinstate the policy or arrange a new policy as soon as possible.

    I need to talk to you about something else, how do I get in touch?

    You can telephone us on 01904 476096 as normal however as we the majority of our staff are working from home, you may experience longer than normal waiting times if you try to contact us by phone.

    You should email us at policies@cavere.co.uk wherever possible to enable us to resolve your query more efficiently and cut down your time spent waiting.

Product Downloads

  • Policy Wording

    A PDF copy of your full policy terms & conditions

    View Download
  • Insurance Product Information Document (IPID)

    A PDF summary of the policy features

    View Download

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