*Our Buildings Insurance policy has been rated 5-star for quality of cover by Defaqto, an independent research company.
Buildings Insurance
Your house is likely to be the biggest, most expensive purchase you'll ever make. So it makes
sense
to have an insurance policy that covers your precious bricks and mortar for those situations
you'd rather not think about. That's why, at DirectCover, we offer a 5-star* policy to make
sure you're insured should the unthinkable happen.
What our Buildings Insurance is made of:
- Property owner's liability up to £2,000,000.
- Loss or damage caused by storm, flood, escape of water or oil, subsidence, theft,
damage caused by fire, smoke or falling trees and damage caused by malicious
persons - Alternative accommodation or loss of rent up to £100,000
- Accidental damage to underground pipes or cables up to £5,000
- Debris removal and building fees of up to £50,000
- Accidental breakage of fixed glass in windows, fixed sanitary ware and bathroom
fittings.
Important information
Cover is subject to terms, conditions, exclusions and limitations. A copy of the policy wording and complaint procedure is available on request.
Buildings Insurance |
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Alternative accommodation
Cover for costs for alternative accommodation or rent payable for which you are legally liable while the home cannot be lived in because of loss or damage covered by this policy |
Any one claim | £100,000 | ||||
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Property owner's liability
provides cover for legal liabilityas owner of the building |
Any claim or series of claims arising from any one event or one source or original cause | £2,000,000 | ||||
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Accidental damage to service pipes & cables
provides cover for accidental damage to service pipes and cables |
Any one claim | Up to Buildings Sum Insured | ||||
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Trace & access
this benefit pays for necessary and reasonable costs to locate the source of damage to service pipes and cables |
Any one claim | £5,000 | ||||
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Damage by emergency services
cover for damage to the buildings caused when the fire, police or ambulance service forces entry to the buildings because of an emergency |
Any one claim | Up to Buildings Sum Insured | ||||
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Debris removal & building fees
provides cover for the cost of removing debris from the site or demolishing buildings and fees and costs to comply with local authority requirements |
Any one claim | £50,000 | ||||
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Replacement locks
This benefit pays for the cost of replacing keys and lock mechanisms |
Any one claim | £1,000 | ||||
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Contracting purchasing
if you have contracted to sell your home this cover provides the purchaser of your home protection of your policy as long as the home is not covered by any other insurance |
Any one claim | Yes | ||||
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| Additional Cover Automatically Included |
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DirectCover Assistance
provides pre travel advice and information on services as well as locating entertainment tickets, restaurant reservations etc |
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Identity Theft
this benefit provides cover to pay reasonable costs if you become aware of identity theft |
Any one event | £50,000 | ||||
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| Optional Cover |
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Family Legal Protection
this benefit provides cover for Legal costs and expenses |
For all claims | up to £50,000 | ||||
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Home Assistance
this benefit provides cover for emergency repair and if the property becomes uninhabitable and remains so overnight pay for overnight accommodation and/or transport to such accommodation |
Any one event | up to £1,000 including VAT for emergency repair and £250 for overnight accommodation | ||||
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Can't make up your mind?
If you're still unsure which policy is best for you, or you would like more details, simply visit our FAQs page, or view our policy documents in full.
