Policy booklet

Buildings and Contents

These booklets set out all the general terms and conditions that apply to your HomeProtect home insurance policy. The dates below relate to when the policy was purchased or renewed:

New customers

• Purchased between 1st February 2019 and 31st January 2020 (PDF)
• Purchased between 1st February 2020 and 27th September 2020 (PDF)
• Purchased from 28th September 2020 (PDF)

Renewing customers

• Renewed between 25th March 2019 and 24th March 2020 (PDF)
• Renewed between 25th March 2020 and 24th October 2020 (PDF)
• Renewed from 25th October 2020 (PDF)

For previous policy booklet versions, please visit our policy booklet archive.

If you'd like to review your Insurance Product Information Documents, they can be found here.

Basic Legal Expenses and Basic Home Emergency

New customers

• Purchased before 30th March 2020 (PDF)
• Purchased from 30th March 2020 (PDF)

Renewing customers

• Renewed before 27th April 2020 (PDF)
• Renewed from 27th April 2020 (PDF)

Upgraded cover options

Key protection

• Key protection (PDF)

Full Legal Expenses and Full Home Emergency

For owner-occupiers of UK residential property

New customers

• Purchased before 1 November 2019 (PDF)
• Purchased between 1 November 2019 and 30 December 2019 (PDF)
• Purchased from 31 December 2019  (PDF)

Renewing customers

• Renewed before 1 November 2019 (PDF)
• Renewed between 1 November 2019 and 15 January 2020 (PDF)
• Renewed from 16 January 2020 (PDF)

For owners of UK holiday homes, B&Bs, unoccupied and weekend/weekday homes

New customers

• Purchased before 1 November 2019 (PDF)
• Purchased between 1 November 2019 and 29th March 2020 (PDF)
• Purchased from 30th March 2020 (PDF)

Renewing customers

• Renewed before 1 November 2019 (PDF)
• Renewed between 1 November 2019 and 26th April 2020 (PDF)
• Renewed from 27th April 2020 (PDF)

For residential landlords

New customers

• Policy purchased before 1 November 2019 (PDF)
• Purchased between 1 November 2019 and 30 December 2019 (PDF)
• Purchased from 31 December 2019 (PDF)

Renewing customers

• Renewed before 1 November 2019 (PDF)
• Renewed between 1 November 2019 and 15 January 2020  (PDF)
• Renewed from 16 January 2020 (PDF)

Important information

For details of who regulates HomeProtect and how to complain or cancel your policy:

If your Direct Debit is managed by Premium Credit Ltd (PCL):

• Important Information About Our Insurance Services (PDF)

Otherwise:

• Important Information About Our Insurance Services (PDF)

Payment by Direct Debit

If you choose to pay by Direct Debit please read the following document which helps explain how your Direct Debit agreement works.

If your Direct Debit is managed by Premium Credit Ltd (PCL):

• Direct Debit – pre-contractual explanations (PDF)

Otherwise:

• Direct Debit – pre-contractual explanations (PDF)

Approved locks

• Insurance Approved Locks