Britannia

• Bronze - for extra value: Bronze offers real value for money; £20,000 fixed contents cover including £5,000 of cover for valuables. For first time buyers or younger couples, you may prefer a policy that covers you for what you have now, not what you'll have in the future.

• Silver - for extra cover: Silver includes £35,000 of fixed contents cover, including £8,750 for valuables and £5,000 for business equipment. Once your family is getting settled, you may need more high value item cover.

• Gold - for the most wide ranging cover: Gold provides the flexibility to select the level of contents cover you need, from anything between £35,000 and £60,000. Valuables cover equivalent to 25% of your contents cover and £8,000 for business equipment is also included.

It’s your choice, use the buttons above to browse through the policy detail.

Insurance Features

• No extra cost for paying by monthly Direct Debit.
• Suitable where the rebuilding value of your home is up to £250,000 for Bronze, £400,000 for Silver and £500,000 for Gold.
• Sum insured on your buildings is automatically adjusted in line with the Housing Rebuilding Cost Index. You should tell us about any alterations, extensions, or improvements to your home as it may increase the rebuilding value. We would then revise the sum insured and calculate your new premium.

Key Home and Contents Benefits

• 24 hour Emergency Helpline available 365 days a year.
• Access to approved tradespeople.
• 24 hour Legal Advice Helpline for you and your family.
• 9% discount for door and/or window locks** and/or a NACOSS^ approved alarm.
• 7% discount for daily occupancy.
• 5%-15% discount for increasing your voluntary excess.
• £2,000,000 Third Party Liability.
• Includes cover against damage from fire, subsidence, burst pipes and theft, explosion, vandalism and collision by vehicle and falling trees. Exclusions apply.
• Cost of preparing new title deeds following loss or damage is covered up to £250 for any one claim.
• ‘New for old’ applies to all claims, with the exception of clothing more than 2 years old.

^National Approved Council for Security Systems
**Minimum Security (e.g. 5 Lever Mortice Locks)

Exclusions

Here's a brief guide to the main exclusions and limits that apply to Britannia Bronze/Silver/Gold Home and Contents Insurance, provided by Legal & General Insurance Limited and Britannia. The policy booklet will contain full details of all exclusions and conditions which apply to this policy.

Main exclusions

• Wear, tear and depreciation or faulty workmanship.
• Gradually occurring events.
• Damage to gates, fences and hedges by storm.
• Subsidence damage to items such as paths and gardens where your home is not affected by the same cause at the same time.

Limits

• Buildings – Rebuilding value of your home.
• Third party liability – £2,000,000.

Excesses

Here's a brief guide to the main exclusions and limits that apply to Britannia Bronze/Silver/Gold Home and Contents Insurance, provided by Legal & General Insurance Limited and Britannia. The policy booklet will contain full details of all exclusions and conditions which apply to this policy.

• First £50 for all claims (unless otherwise stated).
• First £1,000 for subsidence, heave and landslip claims.
• First £500 for theft, vandalism, accidental damage and escape of water/oil claims where the property is unoccupied/unfurnished for 31-90 days.
• First £750 for theft, vandalism, accidental damage and escape of water/oil claims where the property is unoccupied/unfurnished for 91 days-12 months.

Voluntary excesses

If you wish to increase the amount you pay towards a claim above the standard £50 excess, we can provide an additional discount as follows:

Extra £50 – less 5%; Extra £100 – less 7%; Extra £150 – less 9.5%; Extra £200 – less 12.5%; Extra £250 – less 15%