Real Insurance and Woolworths Home and Contents Insurance are underwritten by The Hollard Insurance Company Pty Ltd.
Barclays Bank PLC. Registered in England. Registered no. 1026167. Barclays Insurance Services Company Limited. Registered in England. Registered no. 973765. Registered office for both: 1 Churchill Place, London E14 5HP. 'The Woolwich' and 'Woolwich' are trademarks and trading names of Barclays Bank PLC. Barclays Business is a trading name of Barclays Bank PLC.
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Home Emergency Cover is provided on behalf of Co-op Insurance by AXA Assistance (UK) Ltd; Registered in England and Wales under company number 02638890. Registered Office: The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PR. AXA Assistance (U.K.) Limited is authorised and regulated by the Financial Conduct Authority under register number 439069.
We will cover reasonable alternative accommodation for you, your family and your domestic pets if your home becomes uninhabitable as a result of an event covered by your policy. That's usually limited to $20,000 and for 12 months, but if you're claiming as a result of an earthquake or tsunami we can extend the 12 month limit and increase your cover to $40,000.
The deductible is the amount of money you have to pay out of pocket before the insurance policy goes into effect. The higher your deductibles, the cheaper your insurance rates will be, and vice versa. Be careful not to make your deductible so high that you cannot afford to pay them, but keep them as high as your household budget will allow. Raising your deductible to $1,000 could save you as much as 25%. You should also double check your policy to see if you have multiple deductibles. Some areas that are more prone to disasters may have another deductible for a specific disaster.
Bank of Scotland Home Emergency Cover is underwritten by Royal & Sun Alliance Insurance plc, Registered in England and Wales No. 93792, Registered Office: St. Mark's Court, Chart Way, Horsham, West Sussex RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Our house insurance cover includes €1,500 for credit and debit card theft and fraud. We'll also cover any personal money in the home. Personal cheques, traveller's cheques, postal and money orders, current postage stamps, national savings stamps and certificates, Premium Bonds, luncheon voucher or travel tickets are all covered up to a total of €500.
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The amount a homeowner is insured for is the maximum amount their insurance provider might pay out if the home and its contents are completely destroyed by an event that is covered by the policy. So the primary concern for the homeowner could be to make sure that this sum might actually cover the costs of rebuilding the home, and of replacing all of their possessions with new items. This is the main reason why new-for-old is usually superior to indemnity insurance in terms of the level of coverage it provides.
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