Policy booklet

Buildings and Contents

These booklets set out all the general terms and conditions that apply to your HomeProtect Defaqto 5 Star rated home insurance policy. The dates below relate to when the policy was purchased or renewed:

New customers

• From 1st February 2019 (PDF)

Renewing customers

• From 1st October 2018 (PDF)
• From 25th March 2019 (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 cover

• Basic Legal Expenses and Basic Home Emergency cover (PDF)

Upgraded cover options

For owner-occupiers of UK residential property

This booklet covers our additional cover options – legal expenses, home emergency and key protection cover (if you have selected any or all of these products).

New customers

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

This booklet covers our additional cover options – legal expenses, home emergency and key protection cover (if you have selected any or all of these products).

New and renewing customers

• Policy purchased before 1 November 2019 (PDF)
• Policy purchased from 1 November 2019 (PDF)

For residential landlords

This booklet covers our additional cover options – legal expenses, rent guarantee, home emergency and key protection cover (if you have selected any or all of these products).

New customers

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