Home Insurance (RSA)

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

With a 300 year heritage, RSA is one of the world’s leading multinational insurance groups.

They have major operations in the UK, Scandinavia, Canada, Ireland, Asia and the Middle East, Latin America and Central and Eastern Europe and the capability to write business in around 140 countries. Focusing on general insurance, they have around 19,000 employees.

  • Buildings Cover Limits

    Causes Covered Standard Policy Limit
    Buildings Cover Maximum Claim Limit £1,000,000
    Alternative Accommodation 20% of the maximum claim limit for buildings
    Replacement Locks & Keys £750
    Removal of Squatters £10,000
    Trace & Access £5000
    Property Owners Liability £2,000,000
    Trees, Shrubs, Plants and Lawns £1,500

    Contents Cover Limits

    Causes Covered Standard Policy Limit
    Contents Cover Maximum Claim Limit £100,000
    Theft of Contents from an Outbuilding or Garage £3,000
    Loss of Metered oil or water Up to the maximum claim limit for Contents
    Occupiers & Personal Liability £2,000,000
    Employers Liability £10,000,000
    Tenants liability 20% of the maximum claim limit for Contents
    Contents temporarily removed Up to the maximum claim limit for Contents
    Rent & Alternative Accommodation 20% of the maximum claim limit for Contents
    Replacement locks & keys £750
    Wedding/Birthday and Religious increase £3,000
    Visitors Personal Belongings £1,000
    Tenants Improvements 20% of the maximum claim limit for Contents
    Students Belongings Up to the maximum claim limit for Contents
    Business Equipment (Clerical) Up to the maximum claim limit for Contents
    Title Deeds & Personal Documents £2,500
    Freezer Food Up to the maximum claim limit for Contents
    Money in the Home £750
    Credit Cards in the Home £500
    Total unspecified High Risk items Limit/Valuables £30,000
    Single unspecified High Risk item limit/Valuables £2,500
    Single specified item limit £10,000
    Contents in the open (within the property boundaries) £2,000
    Electronic Data Downloads £2,500

    Optional Cover Extensions

    Causes Covered Buildings Contents Standard Policy Limits
    Accidental Damage Cover Y Y Up to the Buildings or Contents Maximum Claim limit
    Home Emergency cover Y Y £1,000 per claim
    Personal legal Protection Y Y £50,000

    Optional Personal Belongings Cover

    Unspecified Personal Belongings Policy Limit   Specified Personal Belongings Policy Limit
    Maximum Unspecified sum insured £20,000   Total Maximum Specified Personal Belongings £20,000
    Single Item limit (Non Cycle) £2,500   Single Specified Limit (Non Cycle) £10,000
    Single Item Limit (Cycles) £500   Maximum Combined Unspecified and specified £20,000
    Personal Money £750   Single Specified Limit (Cycles) £3000
    Credit Cards £500   Maximum All Specified Cycles £5,000
    Mobile Phones Up to chosen PB cover limit   Maximum number of Cycles 5

    Standard Policy Excess Amounts

    Standard policy Excess £100
    Escape of Water £250
    Subsidence, Heave or Landslip £1,000
  • For Policy claims please call 0345 0724386

    How to make a claim

    If you need to make a claim, what you need most of all is speedy, professional, practical help. That is exactly what we provide.
    When an accident happens, you should take any immediate action you think is necessary to protect your property and belongings from further damage, such as switching off the gas, electricity or water.

    Call our claims helpline on the number shown on your schedule. Please have your policy number handy when you call. While most claims can be agreed over the phone, there may be times when we will ask you to complete a claim form and provide us with further information and/or we may wish to arrange a visit and inspection.

    To help us deal with your claim quickly, please read the policy booklet carefully, particularly
    the Claims conditions and Policy exclusions on pages 12 to 17.

  • 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?

    Carrying out clerical work from home, such as using a laptop or phone does not need to be notified. If business visitors are received to the home there are some restrictions such as loss of money or theft that are excluded, unless there is evidence of forcible and violent entry to the property.

    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 computer, telecommunication and office equipment, office furniture and stationery, owned by the policyholder or their responsibility under contract.

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

    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?

    Policy cover usually allows up to 60 days unoccupancy before certain restrictions apply. However, we will waive these restrictions if the unoccupancy is unavoidable as a result of coronavirus.

    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.

    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.

    If a friend or carer is coming to stay with me during self-isolation, am I covered?

    If the home is occupied by anyone other than the policyholder or their family, certain restrictions apply. However, we will waive these restrictions if the friend or carer is staying as a result of COVID-19. If the friend or carer continues to stay with the policyholder after self-isolation finishes, then the policy will need to be reviewed.

    A policyholder is taking personal belongings to another location where they will be living during self-isolation, are they covered?

    Yes, we will cover personal belongings temporarily removed from the home during self-isolation if the policyholder should lose them, they’re damaged in a fire or stolen. Please check the Policy wording for a full list of what we do and don’t cover, and details of policy limits.

    The policyholder has been asked to provide a valuation within 30 days, but the policyholder is self-isolating so cannot provide one, will cover continue?

    Yes, we will continue to cover items under normal terms while policyholders have to self-isolate.

    Please provide a valuation as soon as possible once restrictions are lifted. We will also accept a receipt if this is available and it is advised that the policyholder takes photographs of the item(s).

     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.

  • Target Market Statement

    Home Insurance

    What customer need is met by this product?

    This product is designed to provide financial protection for buildings and/or contents against certain events and catastrophes (such as fire, flood, theft, or malicious damage).

    Who is this product designed for?

    Individual and joint home owners or tenants, and their families, living at the home address in the United Kingdom.

    Eligibility criteria

    Customers must:

    • Have not had insurance cancelled, declined or declared void
    • Have not been convicted of any criminal offence (other than motoring offences)
    • Be over 18 years old

    The property must:

    • not be used for any trade, professional or business purposes other than clerical work
    • not be a weekend/holiday or second home
    • not be lived in by anyone other than you and your family
    • not be left unoccupied for more than 60 days in a row
    • not be showing any sign of subsidence or ever had any damage caused to it by subsidence, landslip or heave
    • have not been flooded in the last five years

    Who is this product not designed to support, or are there any features that you should be aware of when considering this product for your customer?

    Customers looking to insure buildings for more than £1m or contents valuing over £100k in total value.

    Properties inhabited by paying guests, lodgers or tenants.

    Properties with more than 5 bedrooms or those of non-standard construction.

    Can this product be sold with or without advice?

    This product can be sold with or without advice depending on your preference and in line with FCA regulations.

    How can I offer this product to my customer?

    This product can be sold face to face, via telephone, or online application.

    Optional add-on covers:

    In addition to the answers above, the table of responses below applies to the given optional add-on covers which are only available when taken out with a home insurance policy covering either Buildings and/or Contents.

    Optional cover What need is met by this product? Who is it designed for? Who is it not designed to support or features to be aware of?
    Accidental Damage (Buildings) This product is designed to provide financial protection if the buildings are accidentally damaged in the home. Customers who want their buildings cover to include wider protection for accidents.

     

    Customers who are not insuring their Buildings under the Home insurance policy.
    Accidental Damage (Contents) This product is designed to provide financial protection if any contents are accidentally damaged in the home. Customers who want their contents cover to include wider protection for accidents.

     

    Customers who are not insuring their Contents under the Home insurance policy.
    Personal Belongings This product is designed to provide financial protection for loss or damage to personal belongings taken outside of the home. Customers that carry their belongings away from their home, especially high value items, and need protection for them when outside of the home.

     

    Customers who are not insuring their Contents under the Home insurance policy.
    Legal Expenses This product is designed to provide personal legal advice and funding if an event results in a dispute over property, employment, consumer rights, medical and cosmetic procedure negligence, or

    personal injury.

     

    Individual and joint home owners or tenants, and their families, living at the home address, who are seeking help and advice on a personal legal matter. Any claim where there is not a reasonable chance of the customer winning the case and achieving a reasonable outcome.

    Any events that occurred before cover was taken out.

    Home Emergency This product is designed to provide financial protection against sudden and unexpected events in the home which, if not dealt with quickly, would render the home unsafe or insecure, cause further damage to the home, or cause personal risk. Customers who want to be protected against home emergencies. Tenants where their landlords are responsible for the costs of repairs covered under this policy add-on.

    Cover is not provided for the main heating system for the first 14 days of cover.

    Boilers must be under 15 years old and serviced at least annually to be eligible for claim.

     

     

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
  • Product Information Flyer

    Summary product information for selling agents and advisors

    View Download

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