Home Insurance (Ageas)

Underwritten by Ageas, the Cavere Home Insurance product is rated 5 star by both Defaqto and the Moneyfacts Group, two of the leading 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.

  • Buildings Cover Limits

    Causes CoveredStandard Policy Limit
    Buildings Cover Maximum Claim Limit£1,000,000
    Rent & Alternative Accommodation20% of the maximum claim limit for buildings
    Replacement Locks & Keys£1000
    Protection against Squatters£10,000
    Trace & Access source of leak – causes 7&9Up to the maximum claim limit for buildings
    Property Owners Liability£2,000,000
    Damage caused by Emergency ServicesUp to the maximum claim limit for buildings

    Contents Cover Limits

    Causes CoveredStandard Policy Limit
    Contents Cover Maximum Claim Limit£75,000
    Rent & Alternative Accommodation20% of the maximum claim limit for Contents
    Contents temporarily removed20% of the maximum claim limit for Contents
    Tenants Home Improvements10% of the maximum claim limit for Contents
    Tenants liability20% of the maximum claim limit for Contents
    Business Equipment Cover£5,000
    Business Equipment Single Item Limit£2,000
    Theft of Contents from an Outbuilding or Garage£1,000
    If Outbuilding or garage is Secured£2,500 per outbuilding or garage. £5,000 overall limit
    Loss of Metered oil or water£2,000
    Contents in the open (within the property boundaries)£1000
    Contents in the open single item limit£300
    Replacement locks & keys£1,000
    Personal Money£750
    Credit Cards£1,000
    Deeds & Documents£2,500
    Frozen FoodUp to the maximum claim limit for Contents
    Guests Personal Belongings£1,000
    Shopping in Transit£400
    Garden Cover£1,000
    Public & Personal Liability£2,000,000
    Liability for Domestic Employees£10,000,000
    Wedding/Birthday/Religious festival benefitMaximum Claim Limit for Contents is increased by £5,000
    Maximum for any one item of High Risk Property£2,000
    Dual Contents Insurance£5,000
    Downloaded Data£1,000
    Students Belongings£5,000 overall limit, £1,000 single item limit

    Optional Cover Extensions

    Causes CoveredBuildingsContentsStandard Policy Limits
    Accidental Damage CoverYYUp to the Buildings or Contents Maximum Claim limit
    Unspecified Personal BelongingsN/AYChoice of £1,000, £2,000, £3,000, £4,000 or £5,000 A £2,000 limit per item applies
    Specified Personal BelongingsN/AYUp to £15,000 overall total, item limit of £10,000 applies
    Pedal CyclesN/AYUp to £1,000 per Cycle
    Personal legal ProtectionYY£50,000 overall total, item limit of £10,000 applies

    Standard Policy Excess Amounts

    CauseExcess Amount
    Standard policy Excess£50
    Escape of Water & Flood£250
    Subsidence, Heave or Landslip£1,000
  • 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

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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