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 £1000
Contents Cover Limits
Causes Covered Standard Policy Limit Contents Cover Maximum Claim Limit £75,000 Theft of Contents from an Outbuilding or Garage £3,000 Loss of Metered oil or water Up to the maximum claim limit for Contents Occcupiers & 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 £500 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 £1,000 Freezer Food Up to the maximum claim limit for Contents Money in the Home £500 Credit Cards in the Home £500 Total unspecified High Risk items Limit/Valuables £25,000 Single unspecified High Risk item limit/Valuables £2,500 Single specified item limit £5000 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 £500 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.
Home Insurance (RSA)
Underwritten by RSA, Cavere Home Insurance is rated 5 star by both Defaqto and the Moneyfacts Group, two of the leading independent researchers of financial products in the UK.
With a 300 year heritage, RSA is one of the world’s leading multinational quoted 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 and, in 2014, their net written premiums were £7.5 billion.